Focused commercial real estate financing.

Stone Oak Capital Group provides Bridge Loans, Construction Loans, and Permanent Financing for acquisitions, refinancing, renovation, and development.

Bridge · Construction · Permanent

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 Bridge or Construction 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. Each transaction is evaluated around a supported sale or refinance exit.

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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
Single Family investment property acquisitions and renovations

Representative Considerations

$1M–$100M+ across available capital sources
Starting at SOFR + 4.00%
Up to 75% LTV
12–36 month terms
Recourse and non-recourse options
Sale or refinance exit
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. The proposed sale or refinance exit is reviewed from the beginning.

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Common Uses

Multifamily construction and development
Ground-up commercial and Single Family investment property development
Heavy renovation, adaptive reuse, and conversion
Completion and stalled-project recapitalization

Representative Considerations

$1M–$100M+ across available capital sources
Up to 85% LTC
12–36 month terms
Interest-only structures and flexible draws
Completion and stabilization planning
Indicative closing timeline: 30–60 days

Core Program · 03

Permanent Financing

Long-term financing for stabilized commercial real estate, including acquisitions, refinancing, and takeout of bridge or construction debt.

Permanent financing is structured around sustainable property cash flow, occupancy, sponsorship, and long-term ownership objectives. Stone Oak coordinates bank, life company, agency, CMBS, and other eligible capital sources according to the transaction. Pricing and terms depend on the initial review, underwriting, and capital-provider approval.

Discuss this program →

Common Uses

Acquisitions of stabilized, income-producing properties
Refinancing of existing commercial real estate debt
Bridge and construction takeout after stabilization
Long-term hold and eligible cash-out strategies

Representative Considerations

$1M–$100M+ across available capital sources
Fixed- and floating-rate options
Amortizing and eligible interest-only structures
Term and leverage based on property cash flow and program
Recourse and non-recourse options
Pricing depends on initial transaction review

Each request is structured around the business plan, project milestones, and a supported sale or refinance exit.

Preliminary and non-binding. Pricing depends on the initial review of each transaction. 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