Democratize Capital for SMEs

Bay Street was founded by two partners: an investment banker whose deal teams restructured Casper Sleep and Sam Ash Music, and a commercial finance expert who funded $150M+ across 2,500 deals before successfully exiting his prior firm.

We built this firm to bring Wall Street expertise to Main Street businesses.

One application. 50+ lenders. 2–3 real options with clear terms—no runaround.

Apply now

Smiling man in a light blue shirt with text boxes highlighting fast approvals, transparent terms, and owner-first advisors.

Why choose us?

Built for small business.
Backed by real expertise.

Owners do not need more gimmicks—they need clear, honest guidance.

Bay Street Lending connects U.S. businesses with financing that fits their cash flow and business purposes, whether that is working capital, a term loan, a line of credit, or equipment financing. We compare options across multiple lenders, explain the trade-offs in plain language, and help you move forward with confidence.

Our team is trained by private credit & commercial banking underwriters - they will know what a business qualifies for in a matter of minutes, not days. Stop wasting your time with fast-talking boiler room salesmen who don't know how to read a P&L - work with a team that can actually understand your operations.

50+ Lenders

Tech-enabled outreach to save owners time and money.

Experienced Team

Over 20+ years of hands-on experience evaluating business credit & funding structures.

Owner-First Ethos

We recommend only what fits your cash flow. No pressure. No surprises.

How it works

Get funding in no time.

Tell us what you need

Start with a simple, pressure-free conversation. We learn how your business operates, what you're trying to solve, and what matters most—timing, cash flow, cost, or stability.

Get a tailored solution

Once we diagnose your situation, we match you with the right financial path—whether that’s working capital financing, equipment financing, or unitranche financing. No guesswork, no generic offers. You get a clear recommendation designed specifically for your goals.

Move forward fast

We collect documents early, package clean files, and eliminate the delays that slow most deals down. You receive transparent terms, quick decisions, and a guided process from start to finish. After funding, we stay involved to support long-term success.