Fast, flexible financing with competitive rates and minimal paperwork. As a true balance sheet lender, we fund and service every loan in-house, giving you the capital, continuity, and certainty to grow from your first flip to your 100th.
Whether you're new to house flipping or a seasoned investor, we offer clear credit requirements and fast approvals for the best fix and flip loans.
No loan sales or handoffs. As direct fix and flip lenders, all credit decisions and servicing remain with Stormfield from start to finish.
We act as advisors — not just loan officers. Our investment associates guide you through the entire fix and flip loan process, ensuring smooth funding for every project.
Apply, sign, and track your hard money fix and flip loan directly from your phone with our secure platform.
12 to 18 months
As low as 8.99%
Up to 92.5%
Up to 75%
Non-owner occupied Single Family, Condo, Townhome, 2–4 Unit Multifamily, ADU
Typically 7-10 days, with in-house approvals & servicing
Flexible prepayment options
100% in-house – loans are funded and held on Stormfield’s balance sheet
First-time flippers (with strong credit & liquidity) + seasoned investors
Perfect fit for Stormfield
Outside our program scope
9 States
New York
New Jersey
Connecticut
Pennsylvania
Massachusetts
Rhode Island
Maine
New Hampshire
Vermont
Select projects funded nationwide in
active real estate markets
Consistent execution and certainty
wherever we lend
Actively growing our coverage in
additional real estate markets
Use our Fix and Flip Loan Calculator to estimate loan amounts, purchase coverage, and rehab funding. Whether you’re looking for hard money loans or fix and flip financing, this tool provides a quick way to calculate your loan options. It only takes a couple of minutes—no obligations, and no hard credit pull. Get connected with private lenders and hard money lenders for fix and flip projects today.
Join the Stormfield Broker Program
“This group is a breath of fresh air in a market that has become flooded with firms that over promise and under deliver.”
“These guys are my go-to lender for loans 500k - $4M”
“I have used Stormfield for 3 fix and flip loans. They do what they say the will do and are local which I prefer.”
Experienced local real estate investor required a fix & flip loan to acquire and renovate a HUD- owned single-family...Read More
Experienced real estate investor required a fix & flip loan to acquire and renovate a single- family investment property in...Read More
Experienced real estate investor required a fix & flip loan to acquire and renovate a single- family investment property in Boc...Read More
Fix-and-flip loan is designed for real estate investors who want to purchase, renovate, and resell properties within a short time frame. These loans are tailor-made to provide the speed, flexibility, and funding required to compete in today’s fast-moving market.
How Fix-and-Flip Loans Support Investors
How the Draw System Works
Rehab financing is typically structured in “draws.” Rather than receiving all renovation funds upfront, you request disbursements as work is completed. After each project milestone or phase, verified by an inspection, the next tranche of funds is released. This process keeps everything on track and ensures quality at every stage.
In short, fix-and-flip financing is your toolkit for moving quickly, maximizing leverage, and managing your renovation budget as you reposition properties for profit.
For each project, after-repair value (ARV), cash to close, interest rates, and comparable valuations are calculated using industry-standard models and local market data.
After-Repair Value (ARV): We analyze recent sales of similar properties in your area. We consider square footage, condition of the property, and upgrades to estimate the likely resale price once renovations are complete. This process often leverages data from sources like Redfin and Zillow for accuracy.
Cash Close: This figure is determined by totaling your down payment, estimated closing costs, fees, and any required reserves. Transparency here ensures you know your upfront investment before committing.
Interest Rate: We assess factors such as loan amount, experience, property location, loan term, and prevailing market conditions to offer competitive pricing.
Our in-house servicing ensures you have seamless access to the capital you need throughout every stage of your renovation. Here is how it works:
We offer industry-leading speed. As a direct balance sheet lender, we fund and service every loan in-house, enabling us to close most hard money fix and flip loans in typically 7–10 days. This fast closing speed gives you the competitive edge required in a fast-moving market.
Stormfield Capital boasts of having a smooth process that is fast and efficient. Once we receive the documents for the fix and flip loan you have provided and your project qualifies for underwriting, approval and funding can occur in as few as 5–10 business days.
As trusted fix and flip lenders, Stormfield Capital offers flexible financing solutions tailored to your project’s needs. We typically fund a substantial portion of both the purchase and rehab costs, ensuring you have the necessary capital to complete your fix & flip project successfully. Try the calculator to know your rates and options and get pre-qualified.
We provide substantial leverage to maximize your capital efficiency. You can access financing up to 92.5% Loan-to-Cost (LTC) and up to 75% Loan-to-Value (LTV).
Yes, our fix-and-flip loans are structured for All Investors, including first-time flippers. Eligibility requires borrowers to apply through an entity (LLC or Corporation) and demonstrate sufficient liquidity.
Yes, our fix-and-flip loans are structured for All Investors, including first-time flippers. Eligibility requires borrowers to apply through an entity (LLC or Corporation) and demonstrate sufficient liquidity.
We review credit holistically, but borrowers typically should have a minimum FICO score of 640. If your FICO score is lower than 640, we encourage you to reach out so we can discuss your options and eligibility.
Stormfield Capital utilizes a proprietary digital platform. Our technology streamlines the front-end process by allowing borrowers to submit property details for instant pre-qualification and generate terms directly from their phones.
By continuously digitizing the application and document submission process, we are eliminating manual lag. Furthermore, all data is integrated into our internal underwriting platform.
However, we do not let technology replace human communication. We still pick up the phone. By integrating this efficient digital workflow with direct access to our decision-makers
Know more about how we do it in this blog.
Yes. Stormfield Capital provides fix-and-flip financing across New Jersey, with projects funded in Newark, Jersey City, Hoboken, Montclair, and Union City, among others.
Stormfield Capital funds renovation projects across New York, such as Southampton, East Hampton, Montauk, and Saratoga Springs, along with surrounding areas.
Connecticut is an active lending market for Stormfield Capital, with funded deals in Greenwich, Stamford, Fairfield, New Haven, Norwalk, and nearby markets.
In Massachusetts, Stormfield Capital has financed fix-and-flip projects in markets like Boston, Cambridge, Dorchester, Roxbury, Wareham, and surrounding towns.
Stormfield Capital has supported renovation deals across Florida, with funding in cities such as Miami, Sarasota, Orlando, Naples, West Palm Beach, and other local markets.
Yes. Stormfield Capital has a strong focus on the Northeast and regularly funds fix-and-flip projects across MA, VT, NJ, and CT.
Wesley Carpenter is a Founder and Partner of Stormfield Capital, LLC. At Stormfield, Wes leads the firm’s investment strategy and portfolio management. He serves on both the management and investment committees and plays a central role in credit and risk oversight across the platform. Under his leadership, Stormfield has deployed over $1.75 billion, spanning the origination, acquisition, and asset management of commercial and residential bridge loans.
Wes brings more than 15 years of experience in real estate credit and structured finance. Prior to founding Stormfield, he was a Vice President at Greenwich Associates, a boutique consultancy specializing in the financial services sector, where he advised senior executives at commercial and investment banks on balance sheet optimization and the adoption of structured credit strategies. He began his career in Corporate Development at Illinois Tool Works (NYSE: ITW), where he focused on M&A and strategic growth initiatives across the firm’s global industrial portfolio
Wes holds a B.S. from Fairfield University and an M.B.A. from Binghamton University.
