Focused commercial real estate financing.

Stone Oak Capital Group provides Bridge Loans, Construction Loans, and Permanent Financing, with coordinated bridge-to-permanent and construction-to-permanent pathways when appropriate.

Bridge, Construction & Permanent Financing

Three core programs. Flexible transaction structures.

Senior financing is structured around the collateral, sponsor, business plan, timing, and exit. Preferred equity and mezzanine financing may be added only when Stone Oak structures the senior loan.

01 Bridge Loans 02 Construction Loans 03 Permanent Financing

Core Program · 01

Bridge Loans

Short-term financing for transitional commercial real estate, time-sensitive acquisitions, refinancing, lease-up, repositioning, and recapitalizations.

Bridge financing can support acquisitions, maturity payoffs, refinances, renovations, lease-up, cash-out recapitalizations, and repositioning strategies. When appropriate, Stone Oak can coordinate a bridge-to-permanent execution so the long-term takeout is planned alongside the initial senior loan.

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Common Uses

Acquisitions requiring a fast or flexible closing
Lease-up, renovation, conversion, and repositioning
Maturing debt, discounted payoffs, and recapitalizations
Commercial entitled land with a defined repayment strategy

Representative Considerations

$2M–$100M+ across available capital sources
Up to 75% LTV
12–36 month terms
Recourse and non-recourse options
Bridge-to-permanent pathway available
Indicative closing timeline: 10–45 days

Core Program · 02

Construction Loans

Ground-up, major renovation, completion, and conversion financing structured around project costs, sponsorship, draws, and stabilization.

Construction facilities are typically funded through controlled draws as work is completed and verified. Stone Oak Capital Group evaluates entitled-site or acquisition basis, plans and permits, construction contracts, contingencies, sponsor equity, contractor experience, projected operating performance, and the anticipated takeout or sale. Construction-to-permanent execution may be coordinated from the beginning when the transaction supports it.

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Common Uses

Multifamily construction and development
Ground-up commercial development and multi-home build-to-rent or build-to-sell communities
Heavy renovation, adaptive reuse, and conversion
Completion and stalled-project recapitalization
Horizontal and vertical build-to-rent or build-to-sell communities involving multiple homes

Representative Considerations

$2M–$100M+ across available capital sources
Up to 85% LTC
12–36 month terms
Interest-only structures and flexible draws
Construction-to-permanent pathway available
Indicative closing timeline: 30–60 days

Core Program · 03

Permanent Financing

Long-term fixed and floating-rate financing for stabilized, cash-flowing commercial real estate through institutional and private capital.

Permanent financing may be placed through commercial banks, life insurance companies, CMBS capital providers, agency capital providers, and private capital. Structures may be fixed or floating rate, recourse or non-recourse, and can include longer amortization, interest-only periods, or flexible prepayment depending on the property and capital source.

Discuss this program →

Common Uses

Acquisition of stabilized investment properties
Refinancing bridge or construction debt
Rate-and-term and maturity refinancing
Cash-out supported by durable property cash flow

Representative Considerations

$2M–$100M+ across available capital sources
Up to 75% LTV
Five- to ten-year terms and longer-duration options
Fixed- and floating-rate structures
Indicative closing timeline: 30–45 days

Bridge-to-permanent and construction-to-permanent pathways can be coordinated from the beginning. Permanent Financing also remains available as a standalone core program for qualifying stabilized properties.

Preliminary and non-binding. All amounts, leverage, rates, timing, structures, scenario feedback, and proposed terms are indicative only and do not constitute final loan approval or a commitment to lend. Every loan remains subject to underwriting by Stone Oak Capital Group and/or an independent third party, verification of all borrower, guarantor, property, and transaction information, applicable third-party reports, lender or capital-provider approval, legal documentation, and final written approval.

Start With the Opportunity

Let’s identify the right capital structure.

Submit the property, requested financing, timeline, business plan, sources and uses, and available supporting documents for an initial review.

Request Financing Email Our Team