
THE TEAM
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. Our team comes from banks such as JPMorgan Chase, Bank of America, Texas Capital, Frost, UMB, Lone Star, Amegy, Woodforest and more. At Flatbay Capital, we can be more understanding of where our clients have been, where they are now and more supportive of where they are headed.

Supporting businesses is what we do, but entrepreneurs are our why
Flatbay Capital’s mission is to deliver flexible, relationship‑driven private credit that adapts to each borrower’s unique circumstances, supports meaningful business transitions, and remains accountable throughout the life of the capital.
OUR CORE VALUES
Built for the journey
Support business owners during periods of uncertainty and protect real estate ownership
Disciplined underwriting
Every decision is grounded in credit rigor, collateral clarity and long-term viability
Bridge to bankability
Strengthen bankers relationships and return clients back to traditional financing
REGION
TEAM MEMBER

Kristen brings more than 15 years of experience in accounting, financial systems, and business consulting, including prior roles with Accenture and MD Anderson Cancer Center. Her background combines technical expertise with practical financial insight, with experience spanning systems implementation, business operations, bookkeeping, tax preparation, and financial reporting. Kristen earned both her B.B.A. and M.S. in Accounting from Texas A&M University. In her free time, Kristen enjoys spending time with her husband and three boys, working out, and volunteering at her church and children’s schools.

Bianca has over 15 years of professional office experience in the accounting field relating to billing, invoicing, and accounts receivable. She's worked in different industries including legal, oil & gas, and hot dip galvanize processing. After graduating from North Harris Lone Star College with an AA degree, she attended the University of Houston-Downtown where she majored in Professional Technical Writing. She graduated with a B.S. degree in Professional Writing in December of 2010. She resides in Rosenberg, TX with her husband, newborn son, mom and dad, and two pet guinea pigs. Her interests include going to new restaurants and traveling locally.

With a background in finance and a passion for the arts, Janet is a business-savvy web and graphic designer who excels in empowering businesses through both strategic analysis and visually compelling designs. Over the past 6 years, she has collaborated with more than 25 clients across diverse industries, including technology, food and beverage, consumer products and entertainment. Integrating a deep understanding of her clients' goals with her creative process, her design style is highly adaptable and purpose-driven, ranging from sleek and sophisticated to bold and eye-catching and anywhere in between, ensuring her work always resonates with the target audience and leaves a lasting impression.
REAL TERM SHEETS + COMPETITIVE TERMS + NO DSC REQUIREMENTS


