Company: SACH
Filing Date: 2025-05-16
Form Type: S-3
Source: 0001628280-25-026169
Chunk: 6

Company: Sachem Capital Corp.
Filing Date: 2025-05-16
Form: S-3
Chunk 6
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 regular corporate income taxes. As a REIT, we are also subject to federal excise taxes and minimum state taxes. We intend to continue to operate in a manner that will permit us to maintain our exemption from registration under the Investment Company Act.

#### Company Overview
We are a self-managed REIT focused on originating, underwriting, funding, servicing, and managing a portfolio of short-term first mortgage loans. Our primary objective is to grow our loan portfolio while preserving capital and generating attractive risk-adjusted returns for shareholders over the long term through dividends. While we operate as a single business segment, our model spans three strategic verticals.

First, and most significant, is our short-term commercial lending platform. We provide secured, non-bank loans with typical durations of one to three years to real estate owners and investors. These loans are used to finance acquisition, renovation, development, rehabilitation, or improvement of residential and commercial properties, primarily in the northeastern and southeastern United States. Each loan is secured by a first mortgage lien and may also include additional protections, such as cross-collateralization, equity pledges, or personal guarantees. We employ a conservative loan-to-value approach as our primary underwriting standard.

Our second vertical is conducted through Urbane Capital, LLC, a wholly owned subsidiary that manages construction and development activities tied to our real estate loan portfolio. Urbane focuses on redevelopment and new construction projects and supports underwriting, construction draw administration, and cost review.

Urbane Capital is expected to:

• Strengthen underwriting standards for construction-based lending

• Generate fee income through construction oversight services

• Reduce risk exposure related to construction delays and distressed collateral

• Support management of larger, development-focused loans

Our third vertical is an equity investment in Shem Creek Capital, a commercial real estate credit platform focused on multifamily, workforce housing, and industrial assets. Our position includes limited partner interests across six funds, as well as a 20% equity stake in the platform’s management company. This investment aligns with our strategy to scale exposure to institutional credit opportunities in target real estate sectors.

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#### Financing Strategy Overview
To continue to grow our business, we must increase the size of our loan portfolio, which requires that we use our existing working capital to fund new loans and raise additional debt and/ or equity capital. Our operating income in the future will depend on how much capital we raise and the spread between our cost of capital and the effective yield on our loan portfolio.

We do not have any formal