North Fork Partners

The firm is led by John C. Fernando, who brings 20 years of specialty-finance experience including leading the ABS origination and structuring group at Lehman Brothers. He is supported by Noah Cutler, who has underwritten over $5 billion in debt, and Frank Gren, an advisor to government and investment-bank leadership. The website presents all three as principals without distinguishing investment-committee structure.

The firm states it relies on a network of originators and deep legal, accounting, and auditing expertise to identify opportunities. Its contact page actively invites potential borrowers and investment targets to submit information directly, suggesting sourcing is a mix of intermediary relationships and in-bound inquiries.

The firm provides senior secured asset-based loans as its primary product, plus mezzanine financing and equity checks. Borrowers use the capital for growth, acquisitions, turnarounds, and restructurings. The stated target is companies that cannot meet the corporate underwriting standards of traditional lenders.

The firm’s public materials do not disclose whether capital comes from a committed fund, separate accounts, deal-by-deal syndication, or proprietary balance sheet. There is no mention of limited partners, fund closes, or regulatory filings that would clarify the capital source.

From 1997 to 2005, Fernando led a team at Lehman Brothers that originated and structured new and complex ABS, executing cash and synthetic securitizations across corporate loans, credit-linked notes, legal fees, structured settlements, commercial aircraft, cell towers, FCC licenses, intellectual property rights, and utility rate-reduction bonds. Before Lehman he was a tax attorney at Brown & Wood focused on structured finance transactions. He holds a B.S. in Physics from Virginia Tech, a J.D. from William & Mary, and an LL.M. in Taxation from NYU.

North Fork Partners is headquartered in Boca Raton, Florida and does not list additional offices. Its website does not specify a geographic mandate; deal sourcing appears national in scope given the firm’s orientation toward small and medium-sized businesses.

North Fork Partners is an asset manager providing private debt and equity solutions. It does not describe itself as a family office, nor does it disclose a connection to a single family’s wealth. The firm’s branding and team biographies align with that of an independent credit specialist.