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Earn incentives for CRE referrals  -

OUR CORE VALUES

Support the journey

We care about helping business owners in transition and their plan for growth

Practice win-win partnerships

We act with respect, fairness and integrity and expect the same in return

Create profits and prosperity

We provide the short-term capital to enable long-term financial success

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ABOUT US

An evolution born from commercial banking

Knowing that deserving businesses outside of the traditional banking profile were not receiving the capital needed, Jorge Puig and Elliot Smith combined their commercial financing expertise to bridge the gap. Flatbay Capital is a nationwide non-bank lender focused on owner-occupied commercial real estate loans. We believe it’s important to understand where our clients have been, where they are now and where they are headed.

Supporting businesses is what we do, but entrepreneurs are our why

Our solutions are designed to solve the problem of liquidity for non-bankable owner-occupied commercial real estate transactions. We are in the business of financing, not long-term property ownership. We create a way for companies to bridge the gap until lower-cost financing is possible again.

Meet the team

Elliot Smith

MANAGING PARTNER

Jorge Puig

MANAGING PARTNER

Matthew Melvin

CHIEF CREDIT OFFICER | HEAD OF OPERATIONS

Barbara McLaughlin

PARTNER | CONTROLLER

Scott Deal

PARTNER | BUSINESS DEVELOPMENT | CENTRAL TEXAS | AUSTIN

Vivian Thompson

PARTNER | BUSINESS DEVELOPMENT | HOUSTON

Lili Tafilaj

BUSINESS DEVELOPMENT | HOUSTON

Adam Gwin

BUSINESS DEVELOPMENT | NORTH TEXAS | DALLAS-FORT WORTH

Kyle Liner

BUSINESS DEVELOPMENT | HOUSTON

Steve Hansen

BUSINESS DEVELOPMENT | SOUTHEAST REGION | ATLANTA

Adam Reese

BUSINESS DEVELOPMENT | DENVER/KANSAS CITY

Luis Estrada

PORTFOLIO MANAGER | CRE PROCESSOR

REAL TERM SHEETS   +   COMPETITIVE TERMS   +   NO DSC REQUIREMENTS

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Connect with our team

I am a
Borrower
Banker
Broker
Other
Owner-occupied property
Yes
No
Requested LTV
<50%
50-60%
60-70%
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