Stormfield Capital
Stormfield Capital is a privately held direct balance-sheet lender providing short-term bridge, fix-and-flip, and construction loans to SMB real estate investors, builders, and developers across the Northeast US and select nationwide markets, with $2B+ in cumulative originations.
- Company typePrivate
- Founded2015
- HeadquartersSouthport, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Stormfield Capital does
Stormfield Capital is a privately held direct balance-sheet lender headquartered in Southport, Connecticut, founded in 2015 to provide short-term bridge and construction financing to real estate investors, builders, and developers. The company originates, underwrites, funds, and services loans entirely in-house through its own balance sheet, avoiding third-party capital markets reliance or loan sales. Its loan portfolio spans residential products (Fix & Flip, Residential Bridge, New Construction, Multifamily Value-Add) and commercial products (Condo Inventory, Multifamily Stabilization, NNN Lease Retail, Bridge to Perm), with loan sizes ranging from $150K to $30M and typical terms of 12-24 months at interest rates of approximately 9.99-12%.
The company's technology foundation is a proprietary digital lending platform hosted at app.stormfieldcapital.com, which enables borrowers to prequalify, submit applications, upload documents, request construction draws, and manage accounts online. All underwriting, credit decisions, loan servicing, and construction inspections are handled in-house by Stormfield's team, with milestone-based draw releases tied to construction progress. The company has deployed over $2 billion in total loan principal across more than 2,000 closed loans, maintains a 75% repeat borrower rate, and operates across nine Northeast states plus select nationwide projects including Florida.
Stormfield's business model is usage-based, generating revenue primarily through interest income on bridge loans (9.99-12%), supplemented by origination fees of approximately 1.00% and exit fees of approximately 1.00% on applicable structures. The company distributes through a direct digital platform targeting mid-market real estate investors and a broker partner program serving mortgage brokers, supported by content marketing including educational blog content, case studies, and Stormfield Insights white papers. The firm is led by Co-Founders Wesley W. Carpenter and Timothy S.F. Jackson, CFA, with institutional credit and capital markets backgrounds.
Stormfield Capital firmographics
Firmographics- Name
- Stormfield Capital
- Legal name
- Stormfield Capital LLC
- Website
- https://stormfieldcapital.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Stormfield Capital is a privately held direct balance-sheet lender providing short-term bridge, fix-and-flip, and construction loans to SMB real estate investors, builders, and developers across the Northeast US and select nationwide markets, with $2B+ in cumulative originations.
- Ownership category
- akta.pro rank
Stormfield Capital industry classification
Industry- Product category
- Real Estate Bridge Lending
- NAICS
- Real Estate Credit (522292)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Private Credit — Real Estate Debt (Bridge, Mezz, CMBS-like) (FSAHAJAI)
- akta.pro secondary industry
- Real Assets — Real Estate Debt (Whole Loans, Mezzanine, CMBS/CLO) (FSAHAIAB)
Keywords
Where Stormfield Capital is headquartered
LocationHeadquarters
- HQ city
- Southport
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Stormfield Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income on Bridge Loans: Stormfield Capital generates primary revenue from interest on short-term bridge loans including fix-and-flip loans, residential bridge loans, and commercial bridge loans. Loans are typically 12-18 month terms with interest-only payments. Interest rates range from approximately 9.99% to 12% depending on borrower profile, experience, and leverage.
- Origination Fees (Points): Upfront fees charged at closing, typically 1.00% of the total loan amount. Additional fixed fees may include processing, servicing, and legal costs.
- Exit Fees: Some loan structures include exit fees, typically 1.00% of the loan amount, charged when the loan is paid off through sale or refinance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Fix & Flip Loans - $150K to $5M+ |
| Unit Pricing | Pay-as-you-go | Residential Bridge Loans - Up to 70% LTV |
| Unit Pricing | Pay-as-you-go | New Construction Loans - $350K to $5M+ |
| Unit Pricing | Pay-as-you-go | Value-Add Multifamily Loans - $500K to $30M |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
Stormfield Capital product offering
Product offeringCore offering
Stormfield Capital is a direct balance-sheet lender providing short-term financing to real estate investors, builders, and developers. The company offers residential loan programs (Fix & Flip, Residential Bridge, New Construction, Multifamily Value-Add) and commercial loan programs (Condo Inventory, Multifamily Stabilization, NNN Lease Retail, Bridge to Perm), with all underwriting, credit decisions, funding, and servicing handled in-house from approval through payoff.
Product overview
Stormfield Capital is a direct balance-sheet lender offering a portfolio of specialized real estate financing products for investors, builders, and developers. The core offering consists of residential and commercial loan programs including Fix & Flip Loans, Residential Bridge Loans, New Construction Loans, Multifamily Value-Add Loans, Condo Inventory Loans, Multifamily Stabilization Loans, NNN Lease Retail Loans, and Bridge to Perm Loans. All loans are underwritten, funded, and serviced in-house through the company's proprietary Digital Lending Platform, which enables instant quoting, online applications, and digital draw requests. The company operates as a single unified platform with integrated servicing capabilities rather than separate modules.
Differentiator
Problem solved
Functional benefit
Products and services
- Fix & Flip Loans Short-term financing for residential acquisition and renovation, covering purchase, rehab, renovation execution, and sale or refinance exit. Loan amounts from $150K to $5M+, terms of 12-18 months, up to 92.5% LTC and 75% LTV. For real estate investors and fix-and-flip operators.
- Residential Bridge Loans Bridge financing for residential properties in transition, including refinance transitions, stabilization periods, and bridge to takeout financing. Up to 70% LTV with interest-only flexible exits. For real estate investors needing short-term capital.
- New Construction Loans Ground-up construction financing for residential developers building single-family residences, townhomes, or small multifamily projects. Loan amounts $350K-$5M+, terms of 12-24 months with milestone-based draws. For residential developers and builders.
- Multifamily Value-Add Loans Business-plan financing for multifamily value-add projects, combining bridge and rehab funding to help investors acquire and stabilize underperforming assets. Loan amounts $500K-$30M, up to 85% LTC and 70% LTV with interest-only payments and per-unit paydowns. For multifamily value-add investors.
- Condo Inventory Loans Financing for condo inventory, supporting developers and investors with bridge financing for commercial properties executing stabilization and lease-up strategies. For condo developers and investors.
- Multifamily Stabilization Loans Bridge financing for commercial properties executing stabilization and lease-up strategies for multifamily assets, structured for complexity and delivered with consistency. For commercial real estate investors.
- NNN Lease Retail Loans Financing for net-lease retail properties, providing bridge capital for commercial real estate with single-tenant net-lease structures. For commercial real estate investors.
- Bridge to Perm Loans Bridge financing that transitions to permanent financing, designed for commercial properties and mixed-use projects executing stabilization strategies with a clear path to takeout. For commercial real estate investors.
- Loan Servicing In-house loan servicing including payments, payoffs, and account management. Construction draw requests submitted and tracked through the platform with same-team oversight from approval through payoff. For Stormfield Capital borrowers.
Quantifiable outcome
- 7-10 day closing times vs. 30-60+ days for traditional bank financing
- +3 more outcomes
Companies that use Stormfield Capital
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
Stormfield Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Stormfield Capital partnerships and signals
Strategic signalScale indicators6 records
Recent moves6 records
Expansion highlights4 records
Stormfield Capital competitors and assessment
Company assessmentDirect peers
- RCN Capital: RCN Capital is a nationwide direct private lender offering fix-and-flip, new construction, rental portfolio, and multifamily loans. It competes head-to-head with Stormfield in serving real estate investors with short-term, asset-based financing.
- CoreVest Finance: CoreVest, a division of Redwood Trust, provides bridge financing for single-family rental investors and small-balance multifamily. Its product set and target market (real estate investors) overlap directly with Stormfield's fix-and-flip, residential bridge, and multifamily value-add programs.
- AHL Funding: AHL Funding is a direct private lender to real estate investors offering fix-and-flip, rental, and ground-up construction financing, primarily in the Northeast US. Geographic overlap with Stormfield in CT, NY, NJ, and MA makes it a particularly relevant regional direct competitor.
- Kiavi: Kiavi (formerly LendingHome) is one of the largest direct private lenders to real estate investors, offering bridge and fix-and-flip financing nationally. It directly competes with Stormfield Capital in the residential fix-and-flip and bridge lending category, with similar digital-first origination and in-house underwriting.
- Visio Financial Services: Visio Financial provides bridge, fix-and-flip, and rental portfolio loans to real estate investors through a direct digital platform. Its product positioning and target customer closely mirror Stormfield's balance-sheet residential lending model.
- Lima One Capital: Lima One Capital is a direct private lender specializing in fix-and-flip, new construction, rental, and multifamily loans. It is highly comparable to Stormfield Capital across product mix, target borrower (real estate investors and developers), and balance-sheet lending model.
Broad incumbents
- Yieldstreet: Yieldstreet is an alternative investment platform offering private credit products including real estate-backed notes. It overlaps thematically with Stormfield's private real estate credit positioning and serves as an adjacent capital provider/investor channel for similar asset classes.
- NewRez (Shellpoint Mortgage Servicing): NewRez is a top-15 US mortgage lender and servicer with retail, wholesale, and correspondent channels. While not a direct bridge lender, its wholesale and non-QM channels overlap with the broader investor financing ecosystem in which Stormfield operates.
- Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a non-QM and non-agency mortgage lender that includes investor and bridge loan products within a broader residential lending portfolio. It is comparable as a broader private-credit-adjacent lender with overlap on non-bank real estate finance products.
Emerging players
- Groundfloor Finance: Groundfloor is a real estate crowdfunding platform that lends to fix-and-flip investors. While its marketplace structure differs from Stormfield's balance-sheet model, it addresses the same investor borrower base with short-term, asset-backed residential loans.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Stormfield Capital social profiles
Digital presenceStormfield Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stormfield Capital leadership team
Management profileNumber of profiles
Profiles2 records
Stormfield Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stormfield Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stormfield Capital
What does Stormfield Capital do?
Stormfield Capital is a direct balance-sheet lender providing short-term financing to real estate investors, builders, and developers. The company offers residential loan programs (Fix & Flip, Residential Bridge, New Construction, Multifamily Value-Add) and commercial loan programs (Condo Inventory, Multifamily Stabilization, NNN Lease Retail, Bridge to Perm), with all underwriting, credit decisions, funding, and servicing handled in-house from approval through payoff.
Is Stormfield Capital a public or private company?
Stormfield Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Stormfield Capital founded?
Stormfield Capital was founded in 2015. It employs 11 to 50 people.
Where is Stormfield Capital based?
Stormfield Capital is headquartered in Southport, United States, in the North America region.
How does Stormfield Capital make money?
Three revenue lines are on record. Interest Income on Bridge Loans are the primary driver. The others are origination Fees (Points) and exit Fees.
Who are Stormfield Capital's main competitors?
Direct peers on record are RCN Capital, CoreVest Finance, AHL Funding, Kiavi, Visio Financial Services and Lima One Capital. Broad incumbents are Yieldstreet, NewRez (Shellpoint Mortgage Servicing) and Angel Oak Mortgage Solutions. Groundfloor Finance is listed as an emerging player.
Does Stormfield Capital have an API?
No public API is recorded for Stormfield Capital.
What industry is Stormfield Capital in?
Stormfield Capital's product category is Real Estate Bridge Lending. Its primary akta.pro industry code is FSAHAJAI, Private Credit — Real Estate Debt (Bridge, Mezz, CMBS-like), with a secondary code of FSAHAIAB, Real Assets — Real Estate Debt (Whole Loans, Mezzanine, CMBS/CLO). Its NAICS code is 522292 and its SIC code is 6162.