Financing that fits your business.
Long Bay Capital Advisors helps owners secure equipment financing, working capital, lines of credit, commercial real estate and franchise funding. We prepare your request the way lenders want to see it, take it to the right source and stay with you through closing.
What are you looking to finance?
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For illustration only. Actual rates and terms depend on your business, credit, collateral and lender.
Nine ways we help businesses access capital
Pick a service to see what it's for and what lenders will look at.
Financing
Advisory
Equipment leasing & financing
Acquire the equipment your business runs on without draining working capital. We compare loans and lease structures, including $1 buyout leases, fair-market-value leases and sale-leasebacks, and recommend the one that best fits your cash flow and tax position.
Typical uses
- New and used equipment purchases
- Fleet and vehicle expansion
- Technology and software upgrades
- Sale-leaseback to free up equity in owned equipment
What lenders will look at
- Equipment type, age and vendor
- Time in business and cash flow
- Owner and business credit
- Down payment and term preference
From first call to funding, in four steps
Plain-language explanations at every stage and no surprises at closing.
Discovery
We learn about your business, your numbers and what the capital needs to accomplish.
Analysis
We review financials and credit, choose the right structure and flag anything a lender will question.
Placement
We package the request and take it to the lenders best suited to your profile.
Closing
We compare offers side by side with you and stay involved through funding.
An advisor on the borrower's side of the table
Strong businesses get turned down every day because a request was presented the wrong way, or sent to the wrong lender. We bring a lender's perspective to your side.
Businesses that run on equipment, property and receivables
We work across industries, with particular depth where financing is tied to hard assets or commercial customers.
Are you a lender?
No. We're an independent advisor. We work with banks, SBA lenders, equipment finance companies and specialty funding partners, and our job is to find and structure the option that fits your business best.
Will talking with you affect my credit?
An initial conversation doesn't require a credit pull. When we do approach lenders, we're selective about where your file goes so you avoid unnecessary inquiries.
What size requests do you work on?
We work with small and mid-sized businesses on everything from a single piece of equipment to commercial real estate and larger term financing. If a request is outside what we can help with, we'll tell you.
What do I need to get started?
Just a conversation. It helps to have recent business bank statements, two years of tax returns or financial statements, and a clear idea of what the funds are for. Our resources page has a checklist for each type of financing.
How quickly can financing close?
It depends on the product. Some equipment and working capital requests fund within days, while real estate and SBA financing typically take several weeks. You'll get a realistic timeline at the start.
How are you paid?
We'll explain exactly how our compensation works for your specific request before any engagement begins, so there are no surprises.
Let's talk about what you're financing.
A short, no-obligation conversation is usually enough to tell you which options fit and what lenders will want to see.