Flatbay Capital

Flatbay Capital is a nationwide private CRE lender, headquartered in Texas and focused on $1MM+ owner-occupied transactions. We specialize in helping business owners during times of transition, providing flexible financing solutions designed to bridge them back to traditional bankability within 12–36 months. As a private lender, we offer customized structures (P&I or interest-only), flexible terms (24–36 months), and lend across most major metro markets. We work closely with partners: Bankers – you keep the treasury; we incubate the CRE. Factoring firms – you handle working capital; we fund the CRE. Loan brokers – refer a deal and earn full commissions. Contact us today to discuss how we can help you close your next CRE opportunity.