About Us

Polara Capital specializes in commercial real estate finance from $500,000 to $20,000,000 for real estate investors, developers and businesses.

Polara Capital is a relationship-based company that seeks to understand our clients’ business, develop flexible loan products, and provide reliable execution.

Our team has an array of real estate knowledge in banking, finance, mortgage, development, and small business. We take the time to understand the goals and metrics of each project and assemble a capital stack that will maximize our client’s return.

While we offer all the traditional loan products, our relationships with private equity funds allow us to create proprietary loan products for our clients. Our Commercial Mezzanine, Land Bank, and High Bridge products were developed to allow higher leverage than most bank loans.

Our core competencies

  • Constant Innovation
  • Flexible Loans
  • Common sense underwriting
  • Integrity
  • Real Estate Experience
  • Efficient Execution

Our Team

Will Colley

Will Colley

Mr. Colley is a principal and Managing Director of Polara Capital. He is responsible for Developer and Builder Lending, loan product development, and capital relationships.

Mr. Colley has 24 years experience as a real estate and finance entrepreneur. Will was Executive Vice President of Coldwell Banker Commercial Metro Brokers and the firm’s practice leader of Capital Markets and the Bank Asset Team. Will founded ERA United Realty where he was named as Top 500 Power Broker by RISMedia. He also was a commercial real estate lender for Wachovia Bank.

Will received a Bachelor of Business Administration from The University of Georgia and a Master of Science in Real Estate from Georgia State University. Currently, he serves on the University of Georgia Terry College of Business Alumni Board.

John Stanforth

John Stanforth

Mr. Stanforth is a Principal for Polara Capital. He is responsible for broker relations, operations, and national sales.

He was the founder and CEO of NCS Mortgage Services; co-founder of Block Mortgage Corporation (an H&R Block company), and Director of Companion Servicing; a $4 billion servicing platform that serviced both agency and non-conforming securitized loan portfolios.

Stanforth has significant experience structuring and issuing mortgage backed securities; issuing over $10 billion of MBS during his career. He began his professional career in public accounting working for both Deloitte & Touche and KPMG. Stanforth graduated from the University of Mount Union and is a certified public accountant formerly licensed in Ohio and Georgia.

Josh Underwood

Josh Underwood

Mr. Underwood is a Managing Director for Polara Capital. He is responsible for developing and managing the Commercial Construction lending program.

Josh founded Soque Capital – a boutique investment bank focused on real estate and operating companies in tertiary Georgia markets. He sourced $7.1MM in debt capital in 6 months of existence prior to joining Polara Capital. Prior, he worked at a real estate private equity fund, participating in the acquisition and disposition of >$850MM of Class A office space in the Southeast.

Mr. Underwood received his MBA from Emory’s Goizueta Business School, earning the Beta Gamma Sigma distinction (top 20%) and awarded the merit-based Goizueta Fund for Excellence scholarship. He obtained his BBA from the University of Georgia’s Terry College of Business graduating with Summa Cum Laude from the Honors Program.