Sachem Capital Corp.
Sachem Capital Corp. is a publicly traded non-bank real estate lender providing short-term, first-mortgage-secured loans (typically $500K to $25M) to real estate investors, builders, and developers across the Eastern Seaboard.
- Company typePublic
- Founded2010
- HeadquartersBranford, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Sachem Capital Corp. does
Sachem Capital Corp. is a publicly traded non-bank real estate lender (NYSE MKT: SACH) headquartered in Branford, Connecticut, founded in 2010 by John L. Villano. The company originates short-term, first-mortgage-secured loans, typically 12 to 36 months in tenor and ranging from $500,000 to $25,000,000, collateralized by residential and commercial real estate across the Eastern Seaboard (14 states plus partial New York). Its five core loan programs are Fix & Flip, New Construction, Bridge-Value Add, Entitled Land Development, and Distressed Acquisition, with stated close times of 30 to 45 days and no prepayment penalties in most cases.
Sachem earns revenue primarily through interest income on its loan portfolio, supplemented by loan origination and processing fees and ongoing asset management fees. The platform is differentiated by an in-house loan servicing function and the 2022 acquisition of Urbane New Haven, LLC, a real estate development and construction firm that provides in-house construction management and entitlements expertise. Lending capacity is supported by a $200 million master repurchase financing facility with Churchill MRA Funding (2021) and a $25 million public offering of 7.75% notes (2020), on top of equity capital from the $13 million February 2017 IPO.
The company goes to market through a relationship-driven, sales-led origination model, supplemented by a broker partnership program and an online borrower application portal. Target customers are mid-market real estate investors, builders, developers, and value-add and distressed asset sponsors who require fast, flexible financing that traditional banks typically cannot provide. FY2024 revenue was a record $65.6 million, with net income attributable to common shareholders of $12.1 million, continuing eight consecutive years of record revenue growth since 2017.
Sachem Capital Corp. firmographics
Firmographics- Name
- Sachem Capital Corp.
- Legal name
- Sachem Capital Corp.
- Website
- https://sachemlending.com
- Company type
- Public
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Sachem Capital Corp. is a publicly traded non-bank real estate lender providing short-term, first-mortgage-secured loans (typically $500K to $25M) to real estate investors, builders, and developers across the Eastern Seaboard.
- Ownership category
- akta.pro rank
Sachem Capital Corp. industry classification
Industry- Product category
- Specialty Real Estate Lending
- NAICS
- Real Estate Credit (522292), Credit Intermediation and Related Activities (522)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Commercial Real Estate (CRE) Mortgage Origination (FSALADAA)
- akta.pro secondary industries
- Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH), Land Acquisition, Lot Development & Construction Financing (AD&C) (FSALAHAI), SME Commercial Real Estate (CRE) Lending (FSABABAG)
Keywords
Where Sachem Capital Corp. is headquartered
LocationHeadquarters
- HQ city
- Branford
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Sachem Capital Corp. business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Infrastructure, Marketing or Sales, Technology or R&D, Others
Revenue model
- Interest Income from Real Estate Loans: Short-term secured loans (typically 12-36 months) generate interest income. Loans are secured by first mortgage positions on residential and commercial properties.
- Loan Origination and Processing Fees: Fees charged during loan origination and processing for fix-and-flip loans, new construction loans, bridge loans, and other loan programs.
- Asset Management Fees: Ongoing asset management services for loan portfolio including monitoring, draw requests, and portfolio oversight.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Fix & Flip Loans |
| One time/ perpetual license | Pay-as-you-go | New Construction Loans |
| One time/ perpetual license | Pay-as-you-go | Bridge - Value Add Loans |
| One time/ perpetual license | Pay-as-you-go | Entitled Land Development Loans |
| One time/ perpetual license | Pay-as-you-go | Distressed Acquisition Loans |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
Sachem Capital Corp. product offering
Product offeringCore offering
Sachem Capital Corp. originates and services short-term, asset-based real estate loans for investors and developers on the Eastern Seaboard. Loan amounts typically range from $500,000 to $25,000,000 with terms of 12 to 36 months, secured by first mortgage positions on residential and commercial properties. The company funds fix-and-flip projects, new construction, bridge financing, entitled land development, and distressed asset acquisitions through an in-house origination, underwriting, and servicing platform supplemented by in-house construction management.
Product overview
Sachem Capital Corp. operates as a unified platform offering five distinct hard money loan products for real estate investors: Fix & Flip Loans, New Construction Loans, Bridge-Value Add Loans, Entitled Land Development Loans, and Distressed Acquisition Loans. The company also acquired Urbane New Haven, LLC in 2022 to provide in-house development and construction management capabilities. All products are short-term (typically 12-36 months), secured, non-banking loans collateralized by real estate, designed for investors on the Eastern Seaboard of the United States.
Differentiator
Problem solved
Functional benefit
Products and services
- Fix & Flip Loans Short-term, asset-based financing for real estate investors to purchase, renovate, and resell properties, with quick approvals and funding through a relationship-driven approach and in-house servicing.
- New Construction Loans
- Bridge – Value Add Loans
- Entitled Land Development Loans
- Distressed Acquisition Loans
Quantifiable outcome
- Most loans close in 30 to 45 days
- +3 more outcomes
Companies that use Sachem Capital Corp.
Customer profileNamed customers3 records
Segments6 records
Ideal customer profiles3 records
Sachem Capital Corp. technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Sachem Capital Corp. partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Urbane New Haven, LLCcoreAcquired in 2022, Urbane New Haven is a premier real estate development and construction firm. The acquisition expanded Sachem Capital's capabilities by adding in-house development expertise and construction management.
Scale indicators17 records
Recent moves7 records
Expansion highlights5 records
Sachem Capital Corp. competitors and assessment
Company assessmentDirect peers
- Kiavi (formerly LendingHome): Kiavi is a technology-enabled hard money lender focused on fix-and-flip and new construction loans to real estate investors. It directly competes with Sachem on borrower type and loan product, but with broader geographic reach and a digital origination model.
- Dext Capital: Dext Capital is a non-bank real estate lender providing short-term bridge and construction loans to real estate investors and developers. It is a direct peer to Sachem, focused on similar loan sizes, terms, and borrower segments.
- Lima One Capital: Lima One Capital is a leading direct hard money lender to residential real estate investors offering fix-and-flip, new construction, and rental loans. It is a direct competitor to Sachem in the same niche, with a national footprint.
- Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a non-QM and non-bank residential mortgage lender. While more focused on residential non-QM, it overlaps with Sachem's alternative real estate credit orientation and borrower segments underserved by banks.
- NewPoint Real Estate Capital (Pretium): NewPoint, part of Pretium Partners, is a non-bank residential real estate finance platform offering fix-and-flip and single-family rental loans. It is a comparable scaled operator in the same hard money / bridge lending segment as Sachem.
Broad incumbents
- New York Mortgage Trust: NYMT is a publicly traded mortgage REIT investing in residential and CRE mortgage assets. It is a broad incumbent peer — larger and more diversified than Sachem but competing for similar alternative real estate credit allocations.
- Ares Commercial Real Estate: Ares Commercial Real Estate is a specialty finance company originating and investing in CRE mortgage loans. It is a broad incumbent competitor with similar bridge and construction loan offerings, backed by a larger asset manager.
- Ladder Capital Corp: Ladder Capital is a publicly traded commercial real estate finance company originating and investing in first mortgage loans. It is a broad incumbent in CRE lending with comparable loan products (bridge, construction) but at materially larger scale.
- Ready Capital Corp: Ready Capital is a publicly traded multi-strategy real estate finance company focused on commercial real estate lending, including bridge and construction loans. It is a broad incumbent peer with overlapping loan products and target borrowers.
Emerging players
- Groundfloor Finance: Groundfloor is a fintech-driven real estate investment and lending platform offering fix-and-flip financing to small developers. It is an emerging competitor in the same investor lending niche as Sachem but with a lower loan size range and broader retail investor backing.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Sachem Capital Corp. social profiles
Digital presenceSachem Capital Corp. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sachem Capital Corp. leadership team
Management profileNumber of profiles
Profiles4 records
Sachem Capital Corp. subsidiaries and ownership
Company hierarchySubsidiaries1 record
Sachem Capital Corp. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sachem Capital Corp. 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 Sachem Capital Corp.
What does Sachem Capital Corp. do?
Sachem Capital Corp. originates and services short-term, asset-based real estate loans for investors and developers on the Eastern Seaboard. Loan amounts typically range from $500,000 to $25,000,000 with terms of 12 to 36 months, secured by first mortgage positions on residential and commercial properties. The company funds fix-and-flip projects, new construction, bridge financing, entitled land development, and distressed asset acquisitions through an in-house origination, underwriting, and servicing platform supplemented by in-house construction management.
Is Sachem Capital Corp. a public or private company?
Sachem Capital Corp. is a public company. It is classified as public and is currently operating.
When was Sachem Capital Corp. founded?
Sachem Capital Corp. was founded in 2010. It employs 1 to 10 people.
Where is Sachem Capital Corp. based?
Sachem Capital Corp. is headquartered in Branford, United States, in the North America region.
How does Sachem Capital Corp. make money?
Three revenue lines are on record. Interest Income from Real Estate Loans are the primary driver. The others are loan Origination and Processing Fees and asset Management Fees.
Who are Sachem Capital Corp.'s main competitors?
Direct peers on record are Kiavi (formerly LendingHome), Dext Capital, Lima One Capital, Angel Oak Mortgage Solutions and NewPoint Real Estate Capital (Pretium). Broad incumbents are New York Mortgage Trust, Ares Commercial Real Estate, Ladder Capital Corp and Ready Capital Corp. Groundfloor Finance is listed as an emerging player.
Does Sachem Capital Corp. have an API?
No public API is recorded for Sachem Capital Corp..
What industry is Sachem Capital Corp. in?
Sachem Capital Corp.'s product category is Specialty Real Estate Lending. Its primary akta.pro industry code is FSALADAA, Commercial Real Estate (CRE) Mortgage Origination, with a secondary code of FSALADAH, Construction & Development (C&D) Lending — Commercial/Multifamily. Its NAICS code is 522292 and its SIC code is 6162.