01
Origination & Structuring
We translate the sponsor’s business plan into a clear capital request, evaluate leverage and proceeds, and determine the debt, equity, or blended structure most appropriate for the opportunity.
About Stone Oak
Technology-Enabled Capital. Institutional Execution.
A nationwide commercial real estate finance platform combining private and institutional capital, disciplined underwriting, and responsive execution.
Who We Are
A Commercial Real Estate Capital Platform Built for Execution
Stone Oak Capital Group is a technology-enabled commercial real estate private debt fund lender & capital advisory firm focused on financing non-owner-occupied investment properties. We combine institutional and private capital, advanced underwriting technology, and deep industry expertise to deliver customized financing solutions with speed, certainty, and flexibility.
Institutional-Quality Platform Since 2020
Since our founding in 2020, Stone Oak Capital Group has built an institutional-quality commercial real estate finance platform focused on delivering customized capital solutions for investors, developers, and property owners. Through our private debt fund and strategic institutional capital relationships, we provide flexible financing solutions tailored to the unique requirements of each transaction.
We structure, underwrite, and oversee every financing opportunity while utilizing both our private debt fund and a carefully curated network of commercial banks, life insurance companies, CMBS lenders, family offices, hedge funds, private credit funds, and alternative capital providers. This approach allows us to address straightforward transactions as well as highly structured capital stacks while providing clients with one experienced team from initial review through closing.
A Single Point of Accountability
Our role extends beyond introducing a borrower to a capital source. We evaluate the property, sponsorship, operating performance, business plan, timing, and proposed capital structure; identify an appropriate financing strategy; and coordinate the underwriting, due-diligence, documentation, and closing process. The objective is a clearer process, fewer handoffs, and a financing structure aligned with the transaction’s needs.
2020Founded
$800M+Financed
100+Transactions
NationwideCapital Solutions
What We Do
Integrated Support from Strategy Through Closing
Every opportunity is evaluated individually. Our platform is designed to combine transaction-level underwriting with broad capital access and hands-on execution.
02
Underwriting & Diligence
Our review considers sponsorship, property operations, market dynamics, sources and uses, construction or renovation budgets, exit strategy, and the risks that may affect execution.
03
Capital Access
We utilize private capital and strategic relationships with banks, life companies, agency lenders, CMBS platforms, family offices, credit funds, and structured-capital providers.
04
Transaction Management
We coordinate communication, third-party reports, documentation, and closing requirements so borrowers and referral partners have one experienced point of contact throughout the process.
Financing Capabilities
Capital Across the Real Estate Investment Lifecycle
Stone Oak structures financing for acquisitions, development, transitional business plans, stabilization, refinancing, and recapitalization across major commercial property types.
Acquisition Financing
Capital for property purchases, portfolio acquisitions, and time-sensitive closings where structure and certainty are critical.
Bridge & Transitional
Short-term financing for lease-up, renovation, repositioning, recapitalization, or assets moving toward stabilization.
Construction & Development
Ground-up, completion, and substantial-renovation financing structured around project costs, draws, sponsorship, and the development plan.
Permanent & Long-Term
Fixed- and floating-rate solutions for stabilized assets through banks, life companies, agency lenders, CMBS platforms, and private capital.
Refinancing & Recapitalization
Solutions designed to replace maturing debt, fund property improvements, return capital, or restructure an existing capital stack.
Structured Capital
Preferred equity, mezzanine debt, and joint venture equity for transactions requiring additional proceeds or a customized capital stack.
Our Process
Disciplined Review. Practical Structuring. Focused Execution.
Technology helps organize information and accelerate analysis; experienced judgment guides the financing strategy and execution.
Initial Review
We review the property, sponsorship, requested proceeds, timing, and available transaction materials.
Capital Strategy
We identify a suitable financing path and outline the proposed structure, key requirements, and likely execution considerations.
Underwriting
We coordinate financial analysis, property and sponsor diligence, third-party items, and capital-source requirements.
Documentation & Closing
We manage communication and closing milestones from term sheet through documentation, funding, and transaction completion.
Who We Serve
Built for Experienced Commercial Real Estate Participants
Our platform supports clients who value responsive feedback, flexible structuring, and a clear path from initial scenario review to closing.
Real Estate Investors
Owners and acquisition groups pursuing stabilized, transitional, and value-add investment opportunities.
Developers & Builders
Sponsors seeking construction, completion, bridge, and permanent capital for commercial projects.
Property Owners
Borrowers refinancing, recapitalizing, renovating, or repositioning existing commercial real estate.
Brokers & Referral Partners
Commercial mortgage professionals seeking responsive scenario review and protection of their borrower relationships.
Our Principles
How We Approach Every Opportunity
Discipline
Thoughtful underwriting and structure grounded in property performance, sponsorship, market conditions, and a realistic repayment strategy.
Clarity
Direct communication regarding structure, documentation, timing, risks, and the information required to advance a transaction.
Flexibility
A broad capital platform that allows us to consider multiple execution paths instead of forcing each opportunity into a single program.
Accountability
One experienced team coordinating the financing process and remaining focused on execution from initial review through closing.
Start a Conversation
Let’s Structure Your Next Transaction.
Share the property, requested financing, business plan, and available supporting information. Our team will review the opportunity and provide initial feedback.
Request Financing