Sachem Capital Business Summary

Sachem Capital Corp. (SCCG) is a vertically integrated mortgage real estate investment trust (REIT) that specializes in originating, underwriting, and managing a portfolio of short-term, asset-based loans secured by first mortgages on real property. The company generates revenue primarily through interest income and origination fees from "hard money" loans—typically with terms of three years or less—issued to real estate developers for the acquisition, renovation, and development of residential and small-balance commercial assets. Its business model is bifurcated into core lending operations and an in-house asset management and development segment via its Urbane Capital subsidiary, which provides construction oversight and manages distressed asset recovery. Within the competitive landscape, Sachem operates as a niche specialist alongside peers such as Manhattan Bridge Capital (LOAN), Advanced Flower Capital (AFCG), and Inpoint Commercial Real Estate Income (ICR), distinguishing itself through a conservative loan-to-value (LTV) strategy and internal development expertise that allows for direct management of underlying collateral. Founded in 2010 by John L. Villano, the leadership team is anchored by executives with deep pedigrees in public accounting and real estate finance. Villano, a Certified Public Accountant with over 30 years of experience in auditing and corporate management, serves as Chairman, CEO, and President. He is supported by Executive Vice President and CFO Jeffery C. Walraven, a veteran finance executive who previously co-founded Freehold Properties and served as CFO of MedEquities Realty Trust (NYSE: MRT). Eric O’Brien, Senior Vice President of Asset Management and Managing Director of Urbane Capital, brings over three decades of construction and development experience to the firm’s underwriting and asset recovery functions. The company’s governance is overseen by a board that includes notable independent directors such as Leslie Bernhard, former CEO of AdStar, and Arthur Goldberg, a seasoned corporate consultant. Institutional backing is provided by major shareholders including The Vanguard Group, BlackRock, and Melia Wealth LLC.