Turnkey Capital Solutions for Any and All Businesses

Clear, fast pathways to the capital your business needs.

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Overview

SBA Loans

Government-backed loans for long-term growth, expansion, and acquisitions—via our SBA lending partners.
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Term Loans

Fixed-payment loans for larger projects, refinancing, or growth investments.
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Business Line of Credit

Secured or unsecured lines of credit for working capital gaps. Revolving credit you can draw on as needed to smooth cash flow and cover short-term needs.
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Revenue-Based Financing

Fast, revenue-based funding designed to cover inventory, payroll, and day-to-day expenses.
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Commercial Real Estate

Financing to purchase, refinance, or improve income-producing commercial properties.
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Equipment Financing

Loans or leases to acquire the equipment your business needs to operate and grow.
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SBA Loans

Fuel your business growth with an SBA loan

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.

Flexible loan options

7(a) and 504 SBA programs available through our lending partners, tailored to different uses like working capital, real estate, or equipment.

Federal-backed funding

A federal guarantee on a large portion of the loan (typically 75–90%) gives banks confidence to lend, even if you have limited collateral.
Best for: Owners planning a major investment (expansion, acquisition, real estate) and willing to provide collateral in exchange for better terms.
Term Loans

Term Loans

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 Payments

Fixed payment schedules make budgeting and cash-flow planning straightforward.

Potentially Lower Rates

Compared with shorter-term or high-cost products, term loans can materially lower your cost of capital if you qualify.
Best for: Businesses with steady revenue that want predictable payments and a clear payoff date.
Business Line of Credit

Get access to a business line today

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.

Easy Access to Short-Term Funding

Cover inventory purchases, seasonal dips, payroll, and unexpected expenses without reapplying for a new loan each time.

Only Use What You Need

Draw funds when you need them, repay as you go, and reuse your available credit.
Best for: Seasonal businesses and owners who want a safety net rather than a one-time lump sum.
Revneue-Based Financing

Working Capital, Built Around Your Revenue

Revenue-based financing can provide faster access to funds than traditional loans, with payments that flex alongside your daily or weekly sales.

Payments Based on Revenue

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.

Quick Access to Cash

Decisions can be made in hours and, if approved, funds are typically available within 24–48 hours through our capital partners.
Best for: Owners who need capital quickly and are comfortable with a higher cost of funds in exchange for speed and flexibility.
Commercial Real Estate

Flexible loans for your real estate projects

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.

Manageable Monthly Payments

Structure your loan so payments align with rental income and operating cash flow.

Loans from $100k to $100MM

From single-tenant buildings to larger portfolios, we can help you access lenders that fit your deal size.
Best for: Businesses and investors acquiring, refinancing, or improving commercial properties.
Equipment Financing

Increase Productivity With Equipment Financing

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.

Low / No Upfront Cost

Many financing options require minimal upfront cash, preserving your working capital.

Potential Prepayment Flexiblity

Several of our partners offer structures with reduced or no prepayment penalties, giving you more control over when you pay off the equipment.
Best for: Businesses that rely on equipment to generate revenue and want to match payments to the useful life of the asset.
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.
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