West Bay Capital

What West Bay Capital does

West Bay Capital, LLC is a privately held private money lender headquartered in El Segundo, California that originates short-term bridge loans for commercial real estate investors across the United States. The company was formed in 2010 by William McBride and Edward Marek, who previously co-founded affiliate entities Capital Lending Resources (CLR), the exclusive originator of West Bay loans since 1994, and Capital Real Estate Advisors (CRA), which provides supporting brokerage, investment, asset management, and property management services. West Bay provides 1st lien acquisition, refinance, bridge, and construction loans ranging from $1 million to $15 million, with interest rates starting at 9.50%, origination fees of 1.00% or more, combined loan-to-value up to 75%, loan-to-cost up to 100%, and terms of 6–24 months on interest-only amortization.

The lending book spans property types including retail, multifamily, office, industrial, medical, mixed-use, gas stations and convenience stores, and self-storage, with featured tenant relationships spanning national brands such as Starbucks, Burlington, Walgreens, Dollar General, Vallarta Supermarkets, and Raising Cane's. Distribution operates through both the affiliated CLR originator channel and direct borrower origination, with go-to-market concentrated in enterprise field sales and relationship-based referral networks. The company is licensed as a California Finance Lender (#603H960) and expanded its footprint in 2021 with a Southeast regional office in Franklin, Tennessee. There is no proprietary technology product; the firm's value proposition rests on underwriting speed (as fast as 9 business days to close), flexible structuring (including up to 100% loan-to-cost and non-recourse terms), and the integrated CLR/CRA platform.

Name

West Bay Capital

Legal name

West Bay Capital, LLC

Website

https://westbayllc.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

West Bay Capital is a privately held private money lender providing $1M–$15M short-term bridge loans for commercial real estate acquisition, refinance, and construction across the United States, distributed through its exclusive originator Capital Lending Resources.

Ownership category

akta.pro rank

Product category

Commercial Real Estate Lending

NAICS

Funds, Trusts, and Other Financial Vehicles (525), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Commercial Real Estate (CRE) Lending (FSABABAG)

akta.pro secondary industry

Private Credit / Direct Lending (FSAAAHAG)

Keywords

• Private money lending
• Commercial real estate loans
• Bridge loan financing
• Commercial mortgage lending
• Acquisition refinance construction loans

Headquarters

HQ city

El Segundo

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Interest Income: West Bay Capital earns interest income on loans provided to commercial real estate borrowers. Interest rates start at 9.50% with loan terms of 6-24 months. Interest-only amortization is offered.
2. Origination Fees: Loans include origination fees starting at 1.00%, charged at the time of loan closing.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

West Bay Capital is a private money lender that provides short-term bridge loans ranging from $1 million to $15 million for commercial real estate transactions including acquisition, refinance, bridge, and construction financing. Loans are structured as 1st Deeds of Trust or Mortgages with interest-only amortization, loan-to-value up to 75% (combined LTV), loan-to-cost up to 100%, terms of 6-24 months, interest rates starting at 9.50%, and origination fees starting at 1.00%. The company lends nationwide across retail, multifamily, office, industrial, medical, mixed-use, gas station/convenience store, and self-storage property types.

Product overview

West Bay Capital operates as a private money lender for commercial real estate, functioning as a mortgage fund within The Capital Companies structure. The company provides short-term bridge loans ($1M-$15M) for property acquisition, refinancing, and construction across the United States. West Bay Capital works in conjunction with its affiliate Capital Lending Resources (CLR), which serves as the exclusive loan originator, and Capital Real Estate Advisors (CRA), which provides supporting commercial real estate services including brokerage, investment, development, asset management, and property management. This structure enables West Bay to offer comprehensive financing solutions from origination through closing and servicing.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Real Estate Private Money Loans Short-term bridge loans ranging from $1,000,000 to $15,000,000 for commercial real estate acquisition, refinance, bridge, and construction financing. Loans are structured as 1st Deeds of Trust or Mortgages with interest rates starting at 9.50%, origination fees starting at 1.00%, up to 75% combined LTV, up to 100% loan-to-cost, interest-only amortization, and 6-24 month terms. Available across retail, multifamily, office, industrial, medical, mixed-use, gas station/convenience store, and self-storage property types nationwide.
• Capital Lending Resources (CLR) Origination Services Exclusive origination channel for West Bay Capital's private money loans. CLR is a full-service mortgage and finance company originating commercial mortgage instruments since 1994, with arrangements involving banks, credit unions, insurance companies, Wall Street lenders, and mortgage bankers. Provides private money financing for bridge and non-institutional loans on behalf of West Bay Capital.
• Capital Real Estate Advisors (CRA) Commercial Real Estate Services Full-service commercial real estate services providing brokerage (sales and leasing), investment, development, asset management, property management, and consulting services. CRA supports West Bay Capital's commercial real estate activities across retail, office, industrial, multi-family, mobile home parks, residential tract developments, golf courses, and assisted living facilities. CRA's personnel also support loan origination and underwriting for West Bay Capital.

Quantifiable outcome

• Closed a $5.1M acquisition loan for a 60,000 SF retail property in Madera, CA, funding 100% of the project
• +2 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Capital Lending Resources (CLR)coreChannel Partner/ Reseller/ DistributorCLR is the exclusive originator of loans made by West Bay. Since 1994, CLR has been a full-service mortgage and finance company dedicated to originating commercial mortgage instruments. CLR maintains numerous financial arrangements with banks, credit unions, insurance companies, Wall Street lenders, mortgage bankers, and other credit providers. CLR provides private money financing for bridge and non-institutional loans. CLR is 100% owned by Messrs. McBride and Marek.
• Capital Real Estate Advisors (CRA)coreStrategic or Co-development PartnerCRA is a full-service commercial real estate company providing brokerage (sales and leasing), investment, development, asset management, property management, and consulting services. CRA provides commercial real estate support services to West Bay Capital as needed. CRA and CLR's personnel provide additional support in the origination and underwriting process for loans funded by West Bay. CRA is a division of CLR and is an affiliate of West Bay Capital, LLC.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Anchor Loans: One of the largest private bridge lenders for residential fix-and-flip and CRE investors. Directly comparable to West Bay in providing short-term, high-LTV capital to real estate investors who don't qualify for bank financing.
• CoreVest Finance: Specializes in bridge loans for single-family rental investors and small-balance commercial real estate. Competes directly with West Bay in the private money CRE lending space with similar loan sizes and quick-closing bridge products.
• Lima One Capital: Private money lender focused on rental and CRE bridge financing for real estate investors. Directly comparable in target market (CRE investors), loan structure (short-term bridge), and value proposition (fast, flexible capital).
• LendingOne: Private lender providing CRE bridge loans to real estate investors, with similar loan sizes ($1M-$15M range) and short-term bridge structure. Direct competitor in the private CRE bridge lending niche.
• Gelt Financial: Private money hard money lender specializing in first-position mortgages on CRE and multifamily properties. Similar target market (CRE investors needing fast, flexible capital) and comparable bridge loan structure.
• Arixa Capital: Private real estate lender providing bridge and permanent financing for CRE and multifamily assets in the Western US. Direct competitor with similar loan products and target borrowers.
• Roc Capital: Private lender providing short-term bridge financing for real estate investors with non-conventional financing needs. Comparable in target market, loan structure, and value proposition to West Bay Capital.

Broad incumbents

• Newtek Business Services: Publicly traded business services and lending platform (formerly Small Business Lender) with CRE lending capabilities. Operates in similar SMB lending space with broader portfolio of products, providing CRE financing alongside SBA and other lending.
• JLL (Jones Lang LaSalle) Capital Markets: Global CRE services firm with a capital markets division arranging CRE debt financing. Listed as a customer/testimonial for West Bay and represents the broader institutional CRE capital markets ecosystem.

Others

• Capital Lending Resources (CLR): Affiliated entity and exclusive originator for West Bay Capital since 1994. Full-service mortgage and finance company originating commercial mortgage instruments — operates in adjacent commercial mortgage brokerage space.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks1 record

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/west-bay-capital-llc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

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 West Bay Capital