Clear, fast pathways to the capital your business needs.
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Skip the endless paperwork and waiting games. With one simple application, Bay Street Lending connects you to SBA lenders that offer long-term, government-backed financing for growth, acquisitions, and refinancing.
A business term loan gives you a lump sum of capital with predictable payments over time—ideal for refinancing expensive debt, funding growth, or making a major purchase.
Unlike a traditional term loan, a business line of credit lets you draw funds as needed and only pay interest on what you use. It’s one of the most flexible tools for managing everyday cash-flow ups and downs.
Revenue-based financing can provide faster access to funds than traditional loans, with payments that flex alongside your daily or weekly sales.
Commercial real estate financing through our lending partners lets you purchase, refinance, or improve income-producing properties with terms tailored to your business’s cash flow.
Equipment financing allows you to acquire the machinery, vehicles, or technology your business needs without a large upfront purchase. Bay Street Lending connects you with lenders that specialize in equipment loans and leases.
Clear, fast pathways to the capital your business needs.
Apply Now →Government-backed loans for long-term growth, expansion, and acquisitions—via our SBA lending partners.
Learn more →Secured or unsecured lines of credit for working capital gaps. Revolving credit you can draw on as needed.
Learn more →Fast, revenue-based funding designed to cover inventory, payroll, and day-to-day expenses.
Learn more →Financing to purchase, refinance, or improve income-producing commercial properties.
Learn more →Loans or leases to acquire the equipment your business needs to operate and grow.
Learn more →Skip the endless paperwork and waiting games. With one simple application, Bay Street Lending connects you to SBA lenders that offer long-term, government-backed financing for growth, acquisitions, and refinancing.
7(a) and 504 SBA programs available through our lending partners, tailored to different uses like working capital, real estate, or equipment.
A federal guarantee on a large portion of the loan (typically 75–90%) gives banks confidence to lend, even if you have limited collateral.
Owners planning a major investment (expansion, acquisition, real estate) and willing to provide collateral in exchange for better terms.
A business term loan gives you a lump sum of capital with predictable payments over time—ideal for refinancing expensive debt, funding growth, or making a major purchase.
Fixed payment schedules make budgeting and cash-flow planning straightforward.
Compared with shorter-term or high-cost products, term loans can materially lower your cost of capital if you qualify.
Businesses with steady revenue that want predictable payments and a clear payoff date.
Unlike a traditional term loan, a business line of credit lets you draw funds as needed and only pay interest on what you use. It's one of the most flexible tools for managing everyday cash-flow ups and downs.
Cover inventory purchases, seasonal dips, payroll, and unexpected expenses without reapplying for a new loan each time.
Draw funds when you need them, repay as you go, and reuse your available credit.
Seasonal businesses and owners who want a safety net rather than a one-time lump sum.
Revenue-based financing can provide faster access to funds than traditional loans, with payments that flex alongside your daily or weekly sales.
A fixed percentage of your daily or weekly sales is used to repay the advance, so payments are lighter when business is slower and higher when sales are strong.
Decisions can be made in hours and, if approved, funds are typically available within 24–48 hours through our capital partners.
Owners who need capital quickly and are comfortable with a higher cost of funds in exchange for speed and flexibility.
Commercial real estate financing through our lending partners lets you purchase, refinance, or improve income-producing properties with terms tailored to your business's cash flow.
Structure your loan so payments align with rental income and operating cash flow.
From single-tenant buildings to larger portfolios, we can help you access lenders that fit your deal size.
Businesses and investors acquiring, refinancing, or improving commercial properties.
Equipment financing allows you to acquire the machinery, vehicles, or technology your business needs without a large upfront purchase. Bay Street Lending connects you with lenders that specialize in equipment loans and leases.
Many financing options require minimal upfront cash, preserving your working capital.
Several of our partners offer structures with reduced or no prepayment penalties, giving you more control over when you pay off the equipment.
Businesses that rely on equipment to generate revenue and want to match payments to the useful life of the asset.
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.
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.
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.
One application. Multiple options. A team that actually knows what they're doing. Let's get your business funded.
Apply Now →No credit pull. No obligation. Free consultation.
Expert insights and guides to help you navigate the lending landscape and secure the right capital for your business.
Everything you need to know about qualifying for an SBA loan in 2026.
How working capital loans keep your business running and growing.
Smart strategies for financing the equipment your business needs.
Understanding the banking gap and what alternatives exist.