Wall Streetexpertise forMain StreetbusinessesOne application. 50+ lenders.
Get 2–3 real options with clear terms — no runaround.
Bay Street Lending connects growing businesses with capital that actually fits.
Founded by an investment banker whose teams restructured Casper Sleep & Sam Ash Music, and a finance expert who funded $150M+ across 2,500 deals.
From conversation to capital
Tell Us What You Need
A simple, pressure-free conversation. We learn how your business operates, what you're solving, and what matters most.
Get a Tailored Solution
We match you with the right financial path — working capital, equipment financing, or an SBA loan. No guesswork.
Move Forward Fast
Clean files, zero delays, transparent terms. After funding, we stay involved to support long-term success.
Every financing product
your business could need
Business Line of Credit
Revolving credit you draw when needed. Only pay for what you use — perfect for managing cash flow gaps.
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Equipment Financing
The asset serves as collateral, keeping your other credit lines open. Flexible structures that preserve liquidity.
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Invoice Factoring
Turn outstanding invoices into immediate cash. We advance 80–95% of your AR within 15–30 days.
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PO Financing
Fund large purchase orders before you deliver. Cover supplier costs upfront so you never turn down a big order.
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SBA Loans
Government-backed loans with the best rates in market. Long terms, low payments for established businesses.
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Working Capital
Fuel hiring, inventory, marketing, or stabilize cash cycles. Fast capital based on your monthly revenue.
Learn moreCommon questions, straight answers.
No. Our initial review uses a soft pull that does not affect your credit score. A hard pull only happens if you choose to move forward with a specific lender's offer.
It depends on the product. Working capital can fund in as fast as 6 hours. Equipment financing typically funds within 15 days. Lines of credit, invoice factoring, and PO financing are typically 15–30 days. SBA loans typically take 60–90 days. We'll give you a realistic timeline upfront.
Requirements vary by product, but generally: 6+ months in business, $10K+ monthly revenue, and a 500+ credit score. Even if you don't meet all criteria, we often have options.
No. Bay Street Lending does not charge upfront fees. We are compensated by our lending partners when a deal closes. We only get paid when you get funded with terms you're happy with.
Our founders come from investment banking and commercial finance. We underwrite your deal ourselves before sending it to lenders, so you get honest guidance and real options - not a sales pitch.
Still have questions?