Stormfield Capital, LLC
Stormfield Capital, LLC is a private lender based in Southport, Connecticut, specializing in fast, reliable real estate financing. Since 2015, they have funded over $2 billion across 2,000 loans, offering flexible bridge loan solutions for both residential and commercial properties in the Northeast and select markets nationwide.
Lending Quick Facts
- Geographic Focus: Primarily Northeast and East Coast with selective nationwide lending
- Loan Types: Residential Transition Loans (RTL), Fix & Flip Loans, Bridge Loans, Value-Add Multifamily Loans, Residential New Construction Loans, Construction Completion Loans, Mixed-Use Bridge Loans, Condo Inventory Loans, NNN Retail Bridge Loans
- Property Types: Single-Family Homes, Condos, Multifamily, Industrial/Warehouse, Retail, Office, Mixed-Use
- Loan Amounts for Residential Property: $150,000 to $10,000,000
- Loan Amounts for Commercial Property: $500,000 to $30,000,000
- Maximum Leverage for Residential Rehab: Up to 90% Loan-to-Purchase and 100% of renovation costs for qualified borrowers
- Maximum Leverage for Multifamily Rehab: Up to 75-85% of acquisition, 100% of renovation budget, generally up to 60-65% Loan-to-Stabilized Value
- Maximum Leverage for Commercial Bridge Loans: 65%
- Maximum Loan Term: 24 months
- Credit Requirements: Flexible, asset-based underwriting; credit impacts pricing and leverage rather than serving as a strict minimum
- Typical Closing Time: Generally 7-9 business days, with certain transactions closing in as little as 2-4 business days
- Servicing: All loans are serviced in-house
Questions & Answers
Stormfield lends directly from its own balance sheet rather than originating primarily for securitization. This allows the company to make underwriting decisions internally, offer more flexibility on unique transactions, and continue lending through changing capital market conditions.
The company is primarily focused on the Northeast, including Connecticut, New York, New Jersey, and Massachusetts, while maintaining an active lending platform across more than 30 states. The firm selectively lends nationwide based on market fundamentals and borrower experience.
Not necessarily. Credit affects pricing and leverage, but Stormfield evaluates each loan individually. Strong collateral and lower leverage transactions may qualify even when a borrower has credit challenges.
Stormfield Capital finances fix-and-flip properties, residential bridge loans, new construction, multifamily value-add projects, mixed-use buildings, condo inventory, and select commercial real estate including industrial, retail, office, and NNN properties. Residential investment properties make up the majority of its portfolio, all non-owner occupied.
Most loans close within approximately 7-9 business days. When title, valuation, and due diligence are already in place, Stormfield has completed transactions in as little as 2-4 business days.
Yes. Stormfield works with both mortgage brokers and direct borrowers nationwide.
Not always. Valuation methods are selected based on transaction size and complexity and may include full appraisals, third-party valuation reports, automated valuation tools, and site inspections.
Common Loan Scenarios
- Investor purchasing and renovating a single-family fix-and-flip property
- Acquisition and renovation of a multifamily or mixed-use property
- Bridge financing for a value-add apartment acquisition with renovation draws
- Construction completion financing for partially completed multifamily developments
- Condo inventory financing for developers selling completed units
- Bridge loan secured by a commercial property awaiting permanent financing
- Cash-out refinance secured by an investment property with substantial equity
- Bridge loan for NNN-leased retail property
Scenarios Not Considered
- Owner-Occupied residential properties
- Junior liens or 2nd mortgages
- Loans secured by specialty properties - office, hotels, etc.
- Consumer-purpose loans
- Land loans
- Rural Locations
Residential Loan Programs
Fix & Flip
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Property types: Non-owner occupied single-family homes, condos, townhomes, 2–4 unit multifamily properties, and ADUs
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Loan purpose: Acquisition, renovation, and resale of residential investment properties
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Loan amounts: $150,000 – $5M+
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Maximum LTC: Up to 92.5%
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Maximum LTPP: Up to 90%
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Maximum LTV: Up to 75%
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Loan term: 12–18 months
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Interest rates: Starting at 8.99%
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Closing speed: Typically 7–10 days
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Prepayment: Flexible prepayment options
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Servicing: 100% in-house underwriting, funding, and servicing
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Eligible borrowers: First-time and experienced fix-and-flip investors
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Borrower requirements: Strong credit and sufficient liquidity
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Application entity: LLC or Corporation required
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Geographic coverage: Core Northeastern markets with select nationwide lending
Residential Bridge
Property types: Non-owner occupied single-family homes, condos, townhomes, 1–4 unit multifamily properties, and mixed-use properties- Loan purpose: Short-term financing for property acquisition, refinance, cash-out, and bridge-to-permanent financing
- Loan amounts: $150,000 – $5M+
- Maximum LTV: Up to 70%
- Cost coverage: Up to 75% of purchase price
- Loan term: 12–18 months
- Interest rates: Starting at 8.99%
- Closing speed: Typically 7–10 days
- Prepayment: Flexible prepayment options
- Servicing: 100% in-house funding and servicing
- Eligible borrowers: First-time and experienced real estate investors
- Borrower requirements: Strong credit and sufficient liquidity
- Application entity: LLC or Corporation required
- Use cases: Fast acquisitions, bridge-to-perm financing, cash-out projects, and gap financing
New Construction
- Property types: Non-owner occupied single-family homes, townhomes, condominiums, and 2–4 unit multifamily properties
- Loan purpose: Ground-up residential construction and development projects, including build-to-sell and build-for-rent strategies
- Loan amounts: $250,000 – $3.5M+
- Maximum LTV: Up to 70%
- Cost coverage: Up to 85% of the purchase price plus 100% of construction costs
- Loan term: 12–18 months
- Interest rates: Starting at 9.99%
- Closing speed: Typically 2–3 weeks, with closings as fast as 10 days
- Draw structure: Milestone-based construction draws with in-house draw management
- Prepayment: Flexible prepayment terms
- Servicing: 100% in-house funding, draw administration, and servicing
- Eligible borrowers: Mid-level to experienced builders, developers, and real estate operators
- Borrower requirements: Verifiable construction experience and sufficient liquidity
- Application entity: LLC or Corporation required
Multifamily Value-Add
- Property types: Multifamily properties with 5–100+ units
- Loan purpose: Acquisition, renovation, repositioning, and stabilization of value-add multifamily assets
- Loan amounts: $500,000 – $30M+
- Maximum LTC: Up to 85%
- Maximum LTV: Up to 70%
- Loan term: 12–24 months
- Interest rates: Starting at 8.99%
- Closing speed: Typically 21 days
- Capital use: Property acquisition, renovation costs, lease-up, and operational improvements
- Prepayment: Flexible prepayment terms
- Servicing: 100% in-house underwriting, funding, and servicing
- Eligible borrowers: Experienced multifamily investors and operators
- Borrower requirements: Sufficient liquidity and a clear value-add business plan
- Application entity: LLC or Corporation required
- Exit strategy: Sale, refinance, or transition to permanent financing upon stabilization
Commercial Property Loan Programs
Condo Inventory
- Property types: Completed and near-completed condominium developments
- Loan purpose: Refinance maturing construction debt, unlock equity, and provide liquidity against unsold condominium inventory
- Loan amounts: $1M – $30M+
- Maximum LTV: Up to 70%
- Loan term: 6–24 months
- Interest rates: Starting at 8.99%
- Closing speed: Typically under 21 days
- Release structure: Flexible per-unit release provisions as units are sold
- Prepayment: Flexible prepayment terms
- Servicing: 100% in-house funding and servicing
- Eligible borrowers: Mid-level to experienced developers, investors, and operators with verifiable experience and liquidity
- Borrower requirements: Demonstrated track record, sufficient liquidity, and completed or nearly completed condo projects
- Use cases: Condo sellout financing, debt refinance, equity recapitalization, and funding for new development opportunities
Multifamily Stabilization
- Property types: Stabilizing multifamily properties and other income-producing commercial real estate assets
- Loan purpose: Bridge financing for lease-up, stabilization, and operational improvements of transitional commercial properties
- Loan amounts: $1M – $30M+
- Maximum LTV: Up to 75%
- Loan term: 12–36 months
- Interest rates: Starting at 8.99%
- Closing speed: Typically within 21 days
- Payment structure: Interest-only payments available
- Capital use: Acquisition, refinance, lease-up, property improvements, and working capital needs
- Prepayment: Flexible prepayment options
- Servicing: 100% in-house underwriting, funding, and servicing
- Eligible borrowers: Experienced commercial real estate investors and operators
- Borrower requirements: Demonstrated sponsorship experience, sufficient liquidity, and a defined business plan
- Exit strategy: Sale, refinance, or transition to permanent financing upon stabilization
- Geographic focus: Core Northeastern markets with select nationwide lending opportunities
NNN Lease Retail
- Property types: NNN-leased retail properties
- Loan purpose: Acquisition, refinance, recapitalization, and bridge-to-permanent financing for NNN retail assets
- Loan amounts: $1M – $30M+
- Maximum LTV: Up to 70%
- Cost coverage: Up to 70% of purchase price
- Loan term: 6–24 months
- Interest rates: Starting at 8.99%
- Closing speed: Typically under 21 days
- Loan structure: Underwritten to pro-forma DSCR and Debt Yield with flexible repayment options
- Prepayment: Flexible prepayment terms
- Servicing: 100% in-house funding and servicing
- Eligible borrowers: Mid-level to seasoned investors and operators with verifiable experience and liquidity
- Capital uses: Time-sensitive acquisitions, refinancing, equity recapitalization, and tenant-renewal execution strategies
- Exit strategy: Permanent financing, sale, or recapitalization following lease execution or renewal
Bridge to Perm
- Property types: Multifamily, mixed-use, warehouse, self-storage, mobile home park, and NNN lease retail properties
- Loan purpose: Bridge financing for acquisition, lease-up, recapitalization, and transition to permanent financing for commercial real estate assets
- Loan amounts: $1M – $30M
- Maximum LTV: Up to 70%
- Loan term: 12–24 months
- Interest rates: Starting at 8.99%
- Closing speed: Typically under 21 days
- Payment structure: Interest-only payments available
- Loan structure: Underwritten to pro-forma DSCR and stabilized debt yield metrics
- Prepayment: Flexible prepayment terms
- Servicing: 100% in-house funding and servicing
- Eligible borrowers: Experienced commercial real estate investors and operators
- Borrower requirements: Sufficient liquidity and a clear path to stabilization or permanent financing
- Application entity: LLC or Corporation required
- Exit strategy: Refinance into permanent debt or sell the asset after stabilization
Purchase Short-Term (no Value-Add)
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Commercial Value-Add
Residential Construction
Property Types
- 2-4 Units Residential
- Condominium
- Industrial
- Mixed-Use
- Mobile Home Park
- Multifamily
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- RV Park
- Single Family Residence
- Storage Facility
- Student Housing
- Timberland
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Multifamily Bridge
- Multifamily Rehab
- Commercial Bridge
- Commercial Property Value Add
Specialty Loan Types
- Bankruptcy Resolution
- Condo Conversion
- Debtor in Possession
- Discounted Note Payoff
- Foreclosure Bailout
- Line of Credit Portfolio of Properties
- Line of Credit Single Property
- Luxury Homes
- Note Purchase
- Partner Buyout
- Reverse 1031 Exchange
- Transactional Funding
Deposit Required
Expense Deposit is fully-refundable if the loan does not close. Used for customary 3rd party reports.
Fees which are paid to a third party company
- Legal Fee
- Appraisal Fee
Last updated: June 29, 2026
Video Library
Stormfield Capital, LLC’s Lending Activity
Data Provided By Elementix
12mo Loan Volume
$341,172,651
12mo Loan Count
206
Total Loan Volume
$1,792,729,986
Average Loan Size
$1,157,347
Company Quick Facts
- Year Established: 2015
- Headquarters: Southport, Connecticut
- Company Type: Direct balance sheet lender
- Strategy: First-lien real estate lending
- Assets Under Management: Manages approximately $750M+ in real estate debt strategies (as of Q4 2025)
- Loan Volume: More than $2 billion funded since inception across 2,000+ loans
- Primary Customers: Real estate investors, developers, mortgage brokers
- Geographic Focus: Northeast primarily with lending activity across 30+ states
- Operations: In-house origination, underwriting, servicing, draw administration, and special servicing
- Loan Servicing: Services its entire loan portfolio internally rather than using a third-party servicer
- Company size: Team of approximately 27 employees
- Founders: Wesley Carpenter and Timothy Jackson, CFA
- Capital Sources: Domestic debt fund, offshore debt fund, separately managed institutional accounts
- Institutional Backing: University endowments, charitable foundations, family offices, RIAs, wealth managers
- Licensing: SEC-registered investment adviser
Website Links:
Office Locations
Our Team
Stormfield Capital, LLC Testimonials
Go-To Fix and Flip Lender
Family Legacy LLC
Boston, MA
"Stormfield is my go-to lender for my fix and lip projects. I've worked with all of the national lenders who all talk a good game until it comes time to execute. Stormfield is fast and flexible. I'll continue funding my fix and flip projects in Connecticut and Massachusetts with Stormfield. "
Private Lending Insights
Deals Funded By Stormfield Capital, LLC
Our minimum loan amount is $150,000