Flatbay Capital was founded in 2019 with the goal of supporting business owners with their commercial real estate financing needs. Based in Houston, Texas, we are a nationwide non-bank lender focusing on owner-occupied commercial real estate loans. Flatbay Capital believes it’s important to understand where clients have been, where they are now, and where they are headed.

3 of Flatbay Capital's proudest moments:

1. Helping a successful, international business by financing the purchase of their new headquarters in Houston, TX. Although a U.S. startup, it was led by a veteran management team in addition to great real estate collateral.

2. Financing the main operating facility for an early stage industrial battery company owned by a large single family office. They successfully exited to a multinational conglomerate.

3. Providing the funding needed to a Texas-based, family owned business through a cash-out refi. This gave the company the ability to consolidate their debt and sell to a national chain.

Flatbay Capital has helped business owners inject millions of dollars of capital to hit the “reset button” and pivot during tough downturns.

From 2019-2024, we have served 300+ businesses, saw 53.3% average YOY growth and 95% successful exits.

From our Managing Partner Elliot Smith, “We're extremely proud of our progress in the last 5 years.  We started as an idea to help business owners (who own commercial real estate) when others wouldn't.  We knew that there were great opportunities to help businesses and continually innovated our commercial lending products to fit their needs.  However, the real credit should be given to our incredibly talented team.  Simply put, from accounting to sales and everywhere in between, we have been able to attract and retain the best in the business.  We owe our success to their individual contributions that ultimately creates one of the most dynamic and cohesive teams in the country.  We look back at the last 5 years with great pride, but frankly, we are just getting started."