Flatbay Capital

Financial ServicesTexas, United States11-50 Employees

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.

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