Fieldstone Money Management

Fieldstone Money Management

John J. Woods launched Fieldstone Money Management in 1990, building a boutique investment manager in Southbury, Connecticut focused on private commercial real estate debt. The firm originates senior secured loans, primarily short-term bridge financing and ground-up construction loans, for experienced sponsors and developers across a range of property types. Fieldstone operates outside the banking regulatory perimeter, which allows it to structure and close deals on timelines that depository institutions cannot match. The strategy concentrates on first-lien positions against middle-market and transitional commercial properties — multifamily, mixed-use, retail, and industrial assets that require speed and certainty of execution. Typical loans carry terms of 12 to 36 months, with proceeds funding acquisitions, refinancings, and construction draws. Fieldstone underwrites to the asset value and sponsor track record rather than standardized credit boxes, a posture that attracts borrowers navigating short-term capital needs or property repositionings. The firm's capital is deployed primarily in the Northeast and Mid-Atlantic regions, with a concentration in Connecticut, New York, and New Jersey. The firm structures its investments through private funds and separately managed accounts for high-net-worth individuals and family offices. Fund sizes are modest relative to institutional real estate credit platforms, consistent with a boutique origination model. Fieldstone's team size and total capital deployed are not publicly disclosed. The firm has maintained a low public profile — no institutional marketing footprint, no LinkedIn presence captured in standard firmographic databases, and no widely reported fund closes. Fieldstone's structural distinction rests on its role as a non-bank balance-sheet lender in a credit niche where speed and structuring flexibility command pricing power. Unlike institutional real estate credit platforms that raise discretionary commingled funds with fixed investment periods, Fieldstone's smaller, relationship-driven capital base allows it to tailor loan terms to individual deals. The firm's long-tenured founder-led structure — Woods has led the firm since inception — suggests continuity in credit culture and underwriting philosophy, a relevant governance feature for allocators evaluating small-shop manager risk.