Bay Street Lending is a business financing marketplace built for real operators — not hobbyists. We match business owners with the right capital through a transparent, fast process grounded in institutional underwriting.
Our mission is to democratize capital for SMEs. We simplify the capital landscape by giving you a single point of contact to compare multiple lenders, terms, and structures. No more calling ten banks. No more guessing which product fits.
“Business owners deserve the same quality of advice and access to capital that large corporations get from Wall Street.Richard Billi, Founder
Integrity is the scoreboard. Every recommendation, every deal, every conversation.
Relentless improvement and execution. We push harder so our clients get better outcomes.
Numbers, accountability, and truth — spoken clearly. No jargon, no runaround.
Owner-first, compliance-first. We only win when our clients win.
Solve, execute, deliver. We approach every deal like it matters — because it does.
Richard has spent his career in commercial finance. Between Bay Street Lending and his prior firms, Gotham Capital and Creative Capital Solutions, his teams have funded over $150M across 2,500+ transactions for small and mid-sized businesses. He built Bay Street on a simple thesis: business owners deserve the same quality of advice and access to capital that large corporations get from Wall Street. Richard oversees all lending operations, lender relationships, and underwriting strategy — ensuring every client gets matched to the right product at the best terms available.
Carmine built his career in restructuring and investment banking, working on deals most people only read about. He was recognized as an M&A Advisor Rising Star — the industry's version of 40 Under 40 — and won awards for his work on the Casper Sleep and Sam Ash restructurings. After years of advising large companies through complex financial situations, Carmine co-founded Bay Street to bring that same caliber of financial thinking to small and mid-sized businesses — the owners who need it most but rarely get access to it. He holds a BA in Economics from Hamilton College and carries FINRA Series 57, 63, and 79 licenses.
Most businesses receive funding in 24–48 hours, sometimes as quickly as 4 hours for urgent needs. Timeline depends on how quickly documentation is provided and the type of financing. SBA loans take longer (45–90 days), while revenue-based products can fund same-day.
We work with every credit profile. Strong credit unlocks banks and SBA programs at the best rates. If your score is lower, we connect you to alternative lenders who underwrite based on cash flow, business performance, and time in business — not just a FICO number.
A bank gives you one option — theirs. We shop your application across 50+ funding sources simultaneously, comparing rates, terms, and structures to find the best fit. One application, zero obligation, and a dedicated specialist who knows the landscape.
Typically: 3–6 months of bank statements, a valid ID, and basic business information. For SBA and larger deals, we'll also need tax returns and a simple business plan. Your funding specialist will walk you through exactly what's required for your situation.
No. Our initial review is a soft pull that doesn't impact your score. A hard inquiry only happens if you accept an offer and move forward with a specific lender.
No credit pull. No obligation. Free consultation with a dedicated funding specialist.