Flatbay Capital

Flatbay Capital is a nationwide private lender, headquartered in Texas and focused on $1MM+ owner-occupied commercial real estate transactions. The firm provides flexible financing solutions that help business owners in transition regain traditional bankability within 12–36 months. Customized structures (P&I or interest-only), flexible terms (24–36 months), and coverage across major metropolitan markets enable Flatbay Capital to address complex credit situations with speed and certainty. Strategic partnerships include: Bankers – treasury relationships remain intact while CRE is incubated. Factoring firms – working capital is supported while CRE is financed. SBA Lenders – clients are transitioned into SBA 504 or conventional loans once stabilized. CPAs & Turnaround Consultants – clients in transition are stabilized through tailored CRE financing. Flatbay Capital serves as a specialized partner in delivering flexible terms and relationship-driven CRE financing nationwide.