A Smarter Way to Finance Your Small Business.

Bay Street Lending is a business financing marketplace built for real operators, not hobbyists. We match owners with the right capital, at the right time, with a process that is transparent, fast, and grounded in institutional underwriting discipline.

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Our Mission:

Democractize Capital for SMEs

Bay Street Lending is a business financing marketplace dedicated to small and midsize companies. We simplify a confusing capital landscape by giving owners a single, trusted point of contact to compare options across multiple lenders. Backed by experience in institutional credit and hands—on work with distressed and growing businesses alike, we help borrowers secure the right structure—not just the fastest money.

To date, our employees have facilitated over $250 million in funding and supported more than 10,000 business owners across a wide range of industries.

The BSL Promise

Listen first and diagnose with precision

Recommend only what truly fits

Move fast and stay transparent

Earn trust through outcomes—not pitches

Our Values

Always Do the Right Thing

Integrity is our scoreboard.

Never Content, Never Satisfied

Relentless improvement. Relentless execution.

Fluent in the Language of Business

Numbers, accountability, truth—spoken clearly.

Make Money the Right Way

Owner-first, compliance-first, always.

Think Big

We solve. We execute. We deliver.

Who We Are

Strategic leaders with extensive experience in global market expansion.

We're here to help you on your journey. Ready to get financed?

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Ready to get started?

Get matched to the right solution in minutes.

Q: How fast can I get funded?

Bay Street Lending provides fast funding through a streamlined process that matches you with the right capital solution quickly.

Q: Why Choose Bay Street Lending?

We work for you, not any single lender. Our team shops your application to 50+ funding sources—from traditional banks and SBA lenders to alternative funding providers—to find you the best rates and terms. One application, multiple offers, zero obligation.

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Support

Frequently Asked
Questions

How fast can I get funded?

Most merchants receive funding in 24-48 hours. We've funded businesses in as little as 4 hours when urgency demands it. The speed depends on how quickly you provide documentation—but unlike banks, we don't make you wait weeks for an answer.

What if my credit isn't perfect?

We have solutions for every credit profile. Strong credit? We'll connect you with banks and SBA programs for the lowest rates. Less-than-perfect credit? We have alternative lenders who focus on your daily sales and cash flow instead. Either way, we find you funding.

Why Choose Bay Street Lending?

We work for you, not any single lender. With your approval, our team will shop your application to 50+ funding sources—from traditional banks and SBA lenders to alternative funding providers—to find you the best rates and terms. One application, multiple offers, zero obligation.