FAQs

Stormfield Capital is a leading real estate financing company that specializes in fix and flip loans and commercial bridge loans. We offer tailored financial solutions to help investors and property owners succeed in the competitive real estate market.

A fix and flip loan is a short-term financing option designed for real estate investors looking to purchase, renovate, and sell properties for profit. Stormfield Capital provides funding for both the acquisition and renovation stages of your fix and flip project.

A commercial bridge loan is a temporary financing solution used to bridge the gap between a real estate transaction’s immediate funding needs and its long-term financing. It is particularly useful for investors acquiring or refinancing commercial properties.

Our loan application process is streamlined and straightforward. You can start by contacting our dedicated investment specialists. We’ll review the submission,  assess the needs, and let you know what we can or cannot offer. 

While specific criteria may vary, we typically consider factors such as property value, renovation plans, liquidity, credit and experience as a real estate investor.

We provide financing for a wide range of properties, including single-family homes, multi-family properties, commercial properties, and more. Contact us to discuss your specific property and financing needs.

We do not lend on primary residences,  assisted living facilities, vacant land, churches, restaurants, horizontal development projects and pre-development projects.

We understand the importance of timely funding. Once we have all the necessary information, our team strives to provide swift loan approvals. Funding timelines can vary depending on the complexity of the project and the documentation required, but we have the ability to close loans in as little as 5-10 business days.

Yes, we welcome both seasoned investors and first-time investors. Our team is here to offer guidance and support, regardless of your experience level.

Our loan terms and conditions may vary, but we strive to provide flexible options. We can discuss prepayment penalties and other terms during the loan application process.

No, we only lend to an entity – LLC or Corporation.

Yes, in almost all cases.

No, we only lend to investors. All of our loans must be non-owner-occupied.

No, we are a 1st lien lender only.

Yes, but only to experienced contractors or builders.

Yes, but it depends upon the particular circumstances of the loan and individual circumstances of the borrower.

Yes, we value repeat customers.

We do not have set income requirements for the borrower, but the borrower and/or the asset must be able to demonstrate the ability to pay scheduled interest.

$200,000 – $20,000,000

Connecticut: Stormfield lends in all counties in Connecticut: Hartford, Fairfield, New Haven, Storrs, Litchfield, Middlesex, Essex, Tolland, New London and Wyndham.

New York: Stormfield lends in New York City (all boroughs), Nasssau, Orange, Rockland, Suffolk, and Westchester, Putnam, Saratoga, Albany, Dutchess and Richmond counties.

New Jersey: Stormfield lends in Atlantic, Bergen, Burlington, Camden, Cape May, Cumberland, Essex, Gloucester, Hudson, Hunterdon, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Salem, Somerset, Sussex, Union, Warren.

Florida: Stormfield lends in Miami-Dade, Broward / Fort Lauderdale, Palm Beach, Hillsborough / Tampa, Orange / St. Johns, Duval / Jacksonville, Pinellas / Clearwater, Sarasota, Collier / East Naples, Indian River / Vero Beach, and Monroe / Key West counties.

Maryland: Stormfield lends in Anne Arundel, Baltimore, Baltimore City, Cecil, Charles, Harford, Howard, Montgomery, and Prince George.

Massachusetts: Stormfield lends in the greater Boston area; Suffolk, Norfolk, Essex, Middlesex, and Plymouth.

Pennsylvania: Stormfield lends in Berks, Bucks, Chester, Delaware, Lehigh, Montgomery, Northampton, and Philadelphia.

Virginia & D.C.: Stormfield lends in Arlington, Alexandria, Fairfax, Washington D.C.

Vermont: Stormfield lends in all counties in Vermont.

New Hampshire: Stormfield lends in all counties in New Hampshire.

Maine: Stormfield lends in all counties in Maine.

Colorado: Stormfield lends in El Paso / Colorado Springs, Denver, Arapahoe, Jefferson, Adams, Larimer and Boulder counties.

Texas: Stormfield lends in Harris / Houston, Dallas, Tarrant / Fort Worth, Bexar / San Antonio, Travis / Austin, Collin / McKinney counties.

North Carolina: Stormfield lends in Mecklenburg / Charlotte, Wake / Raleigh, Guilford / Greensboro, Forsyth / Winston-Salem, Cumberland / Fayetteville, and Durham counties.

South Carolina: Stormfield lends in Greenville, Richland / Columbia, Charleston, Horry / Conway, Spartanburg, and Lexington counties.

Idaho: Stormfield lends in Ada / Boise, Canyon / Caldwell, Kootenai / Coeur d’Alene, and Bonneville / Idaho Falls counties.

Our streamlined process, competitive rates, and deep understanding of the market make us a top choice for investors seeking fix & flip loans.

Stormfield Capital is a direct balance sheet lender focused exclusively on real estate bridge loans. We fund each deal with our own capital, offer in-house servicing, and close quickly—often in 5–10 business days. Our approach prioritizes certainty of execution, flexible structuring, and responsive communication. With over $1.75 billion in bridge loans funded nationwide, we’ve earned a reputation for reliability and speed in complex, time-sensitive transactions.

Yes. Stormfield Capital provides fix and flip loans throughout the Northeast, including Connecticut, New York, Massachusetts, and surrounding markets. These short-term loans are designed for real estate investors looking to purchase, renovate, and resell properties. We offer flexible terms, fast approvals, and asset-based underwriting to support a variety of property types—from single-family homes to small multifamily or mixed-use assets.

Many private lenders rely on outside capital or sell loans after closing, which can delay funding or create uncertainty. Stormfield Capital is different—we lend from our own funds, underwrite every loan internally, and manage servicing in-house. This allows us to offer true speed, flexibility, and reliability, especially for borrowers needing bridge loans or fix & flip financing on a tight timeline.

Prior experience helps but isn’t required. Stormfield has funded hundreds of first-time investors who present a well-thought-out scope of work, clear exit strategy, and strong contractor plan. For newer investors, we may ask for a slightly lower leverage point or more reserves.

We regularly close loans in 5 to 10 business days, and in some cases even faster. Our in-house team underwrites and services every loan, allowing us to move quickly—especially when deals are time-sensitive. We also offer soft quotes instantaneously through our prequal tool.

Stormfield provides short-term, interest-only loans to help real estate investors acquire, renovate, and resell residential properties for a profit. We fund a portion of both the purchase price and renovation budget, and our loans are typically repaid through a sale or refinance within 12 months. Borrowers benefit from our flexible structuring and fast execution, with all decisions made in-house.

While we review credit as part of our underwriting, Stormfield is an asset-focused lender. We regularly fund loans for experienced and first-time investors across a wide credit spectrum. A strong asset, sound business plan, and sufficient liquidity carry more weight than a specific score threshold.

Stormfield Capital offers both hard money loans and bridge loans, depending on the deal structure and borrower profile. While the terms are often used interchangeably, there are subtle differences:

• Hard money loans are typically asset-based and used by real estate investors who need fast, flexible financing—often for fix and flip or distressed property deals.

• Bridge loans are short-term loans designed to “bridge” the gap between acquisition and a permanent financing event, like a refinance or sale. These are often used for stabilized or cash-flowing properties.

At Stormfield, we take a hybrid approach—combining the speed and flexibility of a hard money lender with the institutional underwriting of a bridge lender. Whether you’re acquiring a value-add multifamily property or flipping a single-family home, we tailor our loan structure to your strategy.

Stormfield typically requires investors to contribute a portion of the purchase price to demonstrate commitment to the project. However, we can fund up to 85% of purchase and 100% of rehab costs, with total exposure capped at 70–75% of the after-repair value (ARV). In cases where a borrower brings strong experience, liquidity, or cross-collateral, we may offer higher leverage or creative structuring to minimize cash in.

Yes. Stormfield specializes in transitional real estate financing, including investment properties that are not yet stabilized. Whether the property is vacant, under renovation, or recently acquired, we underwrite based on the borrower’s business plan and the future value—not current income. This is ideal for borrowers repositioning assets or preparing for long-term agency debt.

Yes. Stormfield provides bridge financing for 1031 exchange buyers who need to close quickly or are acquiring value-add assets that don’t yet qualify for permanent financing. We can structure interest-only loans with flexible terms, allowing you to meet IRS deadlines while repositioning the asset for a future refinance.

We routinely close deals in 5 to 10 business days, and in some cases even faster. Our entire origination, underwriting, and servicing process is handled in-house, which means faster answers and more control over timing. For time-sensitive deals—like auction purchases or maturing debt—we can issue a soft quote within 24 hours and fund shortly thereafter.