Bayport Funding

What Bayport Funding does

Bayport Funding LLC, founded in 2012 and headquartered at 98 Cuttermill Road in Great Neck, New York, is a privately held boutique lender that provides short-term, non-traditional real estate bridge financing to real estate investors. The company's core product suite covers the real estate investment lifecycle: Fix & Flip loans, Fix & Flip with Rehab loans, Ground-Up Construction loans, Development loans for multifamily and mixed-use projects, and a 30-Year Fixed Rate (DSCR) program for single-family rental portfolios. Loan terms typically run 12–24 months at variable rates, with origination fees and points of 1–3%. Customers are primarily SMB fix-and-flip investors and mid-market developers, with documented lending activity across New York, New Jersey, Florida, Pennsylvania, Illinois, and North Carolina.

The company operates on a Liquidlogics-powered technology platform that delivers a borrower portal for application management, an investor portal for tracking investment opportunities, and a Fix & Flip Deal Calculator for deal underwriting. The platform supports an in-house underwriting workflow that the company markets as enabling funding in as little as 72 hours. Distribution is multi-channel: direct origination through the borrower portal, the Bayport Broker Direct partner program for mortgage brokers and real estate professionals (with protected referral fees), and a White Label Table Funding program that lets partners originate loans under their own brand using Bayport's capital and back-office infrastructure.

Bayport Funding generates revenue from four primary streams: recurring bridge loan interest income, one-time loan origination fees and points, broker referral fees shared with partner channels, and interest spreads earned on white-label table-funded loans. In June 2022 the company filed an SEC Form D for an exempt securities offering, with $14,882,000 already sold to support lending capacity. The firm is a member of the American Association of Private Lenders (AAPL) and operates under the registered trademark 'The Smart Money Lender®.' No parent company, institutional equity backing, or public revenue disclosure has been identified.

Name

Bayport Funding

Legal name

Bayport Funding LLC

Website

https://bayportfunding.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Bayport Funding is a private boutique bridge lender founded in 2012 that provides short-term real estate financing — including fix-and-flip, construction, development, and 30-year DSCR loans — to SMB investors and mid-market developers across multiple US states.

Ownership category

akta.pro rank

Product category

Private Real Estate Bridge Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Mini-Correspondent / Table Funding Programs (FSALACAC)

Keywords

• Bridge lending
• Real estate financing
• Fix and flip loans
• Private lending
• Construction financing

Headquarters

HQ city

Great Neck

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Bridge Loan Interest: Interest income earned on short-term bridge loans provided to real estate investors for fix & flip, construction, and development projects. Loans typically have terms of 12-24 months with variable interest rates.
2. Loan Origination Fees: One-time origination fees and points charged at loan closing, typically ranging from 1-3% of the loan amount.
3. Broker Referral Fees: Fees shared with broker partners who refer borrowers. Broker fees are protected under their partner program.
4. White Label Table Funding: Revenue from providing capital to partners who operate under their own brand, earning interest spread on funded loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Bayport Funding is a private bridge financing lender that provides short-term, non-traditional real estate loans to investors. Its product suite includes Fix & Flip Loans, Fix & Flip w/Rehab Loans, Construction Loans, Development Loans (multifamily and mixed-use), and 30-Year Fixed Rate Loans for 1-4 family rental portfolios. The company supports this offering through in-house underwriting, online borrower and investor portals powered by Liquidlogics, a broker partner program, and a white label table funding program for partners lending under their own brand.

Product overview

Bayport Funding operates as a bridge financing lender offering a portfolio of loan products for real estate investors. The core product suite includes Fix & Flip Loans, Fix & Flip w/Rehab Loans, Construction Loans, Development Loans, and 30 Year Fixed Rate Loans. These products serve real estate investors engaged in property renovation, new construction, multifamily development, and long-term rental portfolio financing. The company also offers complementary programs including Bayport Broker Direct for mortgage professionals and White Label Table Funding for partners seeking to brand Bayport's capital under their own name. The product architecture is a unified lending platform with specialized loan programs targeting different investor strategies, supported by broker partnerships and white-label arrangements.

Differentiator

Problem solved

Functional benefit

Products and services

• Fix & Flip Loans Short-term bridge financing for real estate investors who purchase, renovate, and resell single-family or small multifamily investment properties. Designed for investors needing fast acquisition and renovation capital to close and complete fix-and-flip deals.
• Fix & Flip w/Rehab Loans Bridge financing for ground-up construction to build an investment property for resale or to add to a rental portfolio. Targets investors requiring acquisition plus full construction/rehab funding.
• Construction Loans Bridge financing for real estate investors requiring funding for the acquisition and rehabilitation of real estate investment properties, covering the construction phase prior to sale or stabilization.
• Development Loans Bridge financing for multifamily, mixed-use construction, or ground-up development projects, serving developers with larger and longer-horizon projects.
• 30 Year Fixed Rate Loans 30-year fixed rate program for 1-to-4 family single asset or rental portfolio loans, using DSCR-based qualification. Designed for rental property owners seeking long-term financing.
• Bayport Broker Direct Partner program for mortgage brokers, real estate brokers/agents, property managers, CPAs, and financial planners to expand their loan offerings with Bayport's bridge loan products. Partners receive protected fees, easy application processes, and fast closings when referring borrowers.
• White Label Table Funding White label table funding program that enables partners to operate their own lending business using Bayport's capital under their own brand, with back-office support including processing, underwriting, closings, and in-house servicing.

Quantifiable outcome

• Funding in as little as 72 hours
• +1 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered minor and core.

• American Association of Private Lenders (AAPL)minorOthersBayport Funding is a member of AAPL and displays their logo on their website footer. Membership indicates adherence to industry standards and best practices for private lending.
• LiquidlogicscoreTechnology or IntegrationLiquidlogics provides the borrower and investor portal technology platform that enables Bayport Funding to offer online loan applications, document submission, and investor access to funding opportunities.

Scale indicators3 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• CoreVest Finance: Specialty lender to residential real estate investors providing bridge and rental loans (now part of Redwood Trust). Directly comparable in product, borrower profile, and institutional backing model.
• Anchor Loans: California-focused private bridge lender for fix-and-flip and ground-up construction investors. Operates the same bridge-lending business model as Bayport with regional concentration.
• RCN Capital: National private bridge lender for fix-and-flip, new construction, and rental investors. Competes head-to-head with Bayport in the SMB real estate investor segment with similar product breadth.
• Visio Lending: Specialty DSCR/rental portfolio lender to real estate investors. Overlaps directly with Bayport's 30-year fixed rental portfolio product and SMB investor target market.
• Lima One Capital: Private lender offering fix-and-flip, construction, and rental (DSCR) loans nationally. Closely mirrors Bayport's product suite and SMB real estate investor customer base.
• AHL Funding (Apex Home Loans): Private hard money/bridge lender offering fix-and-flip and rental loans to real estate investors. Comparable scale and product positioning to Bayport's core offering.
• Kiavi: One of the largest private real estate bridge lenders in the U.S., focused on fix-and-flip and rental portfolio loans. Directly comparable to Bayport in product mix, target borrower, and technology-enabled origination.

Emerging players

• Groundfloor: Real estate investment and lending platform funding fix-and-flip loans via pooled retail investor capital. Addresses the same investor-borrower segment as Bayport but uses a marketplace funding model.
• Patch of Land: Tech-enabled real estate investment platform providing bridge financing to investors. Comparable in borrower type and asset class but with a marketplace/crowdfunding funding structure rather than balance-sheet lending.

Broad incumbents

• Newfi Wholesale: Non-QM and investor loan lender offering DSCR and rental portfolio products. Comparable in 30-year fixed rental segment to Bayport but operates at larger scale with broader product portfolio.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtiktok.com/@bayportfunding
• YouTubeyoutube.com/@bayportfunding
• Facebookfacebook.com/BayportFundingLLC
• LinkedInlinkedin.com/company/10947273
• Instagraminstagram.com/bayportfunding

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bayport Funding