Wall Streetexpertise forMain StreetbusinessesOne application. 1,800+ lenders.
We work with
Get 2–3 real options with clear terms — no runaround.
Bay Street Lending connects growing businesses with capital that actually fits.
Recently fundedConstruction contractor·Middleburg, FL·$500K
Founded by an investment banker whose teams restructured Casper Sleep & Sam Ash Music, and a partner who has spent his career in commercial finance.
From conversation to capital
Complete one application. Your dedicated advisor compares offers from 1,800+ lenders and helps you choose the right fit.
Every financing product
your business could need
SBA Loans
Government-backed loans with the best rates in market. Long terms, low payments for established businesses.
Working Capital
Same-day funding from $25K, approved on monthly revenue and funded as fast as 6 hours. Built for payroll emergencies, inventory, and growth.
Equipment Financing
The asset serves as collateral, keeping your other credit lines open. Flexible structures that preserve liquidity.
Purchase Order Financing
Finance supplier costs for an eligible confirmed order. Review the margin, delivery plan, and customer payment before committing.
Business Line of Credit
Revolving credit you draw when needed. Only pay for what you use — perfect for managing cash flow gaps.
Invoice Factoring
Turn outstanding invoices into immediate cash. We advance 80–95% of your AR, usually within 24 hours once your account is set up.
Common questions, straight answers.
Bay Street Lending LLC is a commercial finance brokerage headquartered at 11 Broadway in New York, founded in 2020. It connects US businesses with 1,800+ lending partners for $25K to $10M in working capital, SBA loans, equipment financing, business lines of credit, invoice factoring and purchase order financing. It is a broker, not a direct lender: one application goes to the lenders whose programs fit, and Bay Street is paid by the lender when a deal funds.
Bay Street Lending is run by its founding partners. Carmine Bruno, Founder and Managing Partner, came from restructuring and investment banking, where he worked on the Casper Sleep and Sam Ash Music restructurings. Richard Billi, Managing Partner, has spent his career in commercial finance. Eltin Hadzi, Managing Partner, has nine years in commercial finance placing deals with lenders. Their full bios are on the About page.
No. Our initial review uses a soft pull that does not affect your credit score. A hard pull only happens if you choose to move forward with a specific lender's offer.
It depends on the product. Working capital can fund in as fast as 6 hours. Equipment financing typically funds within 15 days. Lines of credit, invoice factoring, and PO financing are typically 15–30 days. SBA loans typically take 60–90 days. We'll give you a realistic timeline upfront.
Requirements vary by product, but generally: 6+ months in business, $25K+ monthly revenue, and a 500+ credit score. These are general intake minimums; individual products have additional requirements, and approval depends on underwriting.
No. Bay Street Lending does not charge upfront fees. We are compensated by our lending partners when a deal closes. We only get paid when you get funded with terms you're happy with.
Our founders come from investment banking and commercial finance. We underwrite your deal ourselves before sending it to lenders, so you get honest guidance and real options - not a sales pitch.
Still have questions?