Blue Bay Capital
- Company typePrivate
- Founded2014
- HeadquartersTampa, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
Blue Bay Capital firmographics
Firmographics- Name
- Blue Bay Capital
- Legal name
- Blue Bay Capital LLC
- Website
- https://bbcfunding.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Blue Bay Capital industry classification
Industry- Product category
- Hard Money / Private Mortgage Lending
- NAICS
- Other Financial Investment Activities (5239)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Middle-Market Lending (FSANADAI)
- akta.pro secondary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
Keywords
Where Blue Bay Capital is headquartered
LocationHeadquarters
- HQ city
- Tampa
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Blue Bay Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Loan Interest Income: Interest-only short-term loans with APR ranging from 10% for bridge loans to 7.00% for DSCR loans. Loans are typically 6-18 month terms for bridge/new construction, 30-year amortized for DSCR products.
- Origination and Transaction Fees: Fees collected at loan closing including points and origination charges. Transactional funding as low as 0.75% of loan amount.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Bridge Loans - Purchase or refinance with no construction needed |
| One time/ perpetual license | Pay-as-you-go | New Construction Loans |
| Subscription | Monthly | DSCR Loans - Purchase and refinance for rental properties |
| Transaction based/ take rate | Pay-as-you-go | Transactional Funding - For wholesalers only |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Blue Bay Capital product offering
Product offeringCore offering
Blue Bay Capital is a Tampa, Florida-based direct hard money and private money lender that originates short-term, asset-based loans to real estate investors. It offers a suite of loan products including Bridge Loans, New Construction Loans, DSCR Loans, and Transactional Funding for wholesalers, plus a passive Turn-Key Private Lending Solution that allows capital partners to participate in real-estate-secured notes with minimum investments starting at $25K. Lending is restricted to business entities across Florida and 11 other southeastern U.S. states.
Product overview
Blue Bay Capital operates as a Florida-based private/hard money lending platform offering a suite of loan products to real estate investors. The core offerings include Bridge Loans for fix-and-flip and rehabilitation projects, New Construction Loans for ground-up builds, DSCR Loans for buy-and-hold rental strategies, and Transactional Funding for wholesalers. These products are designed for real estate professionals seeking short-term, asset-based financing without traditional bank requirements. Additionally, the company offers a Turn-Key Private Lending Solution that enables passive investors to participate in real estate-secured loans with minimum investments starting at $25K.
Differentiator
Problem solved
Functional benefit
Products and services
- Bridge Loans Short-term financing for real estate investors providing purchase or refinance options with borrowings up to 100% construction funding. Covers single-family 1-4 units, condos, and townhouses in Florida with loan amounts from $50K to $465K (no credit check) or $500K to $1.5M (with credit check), 6-12 month terms, and rates as low as 10% APR interest-only.
- New Construction Loans Financing for new construction projects that includes lot clearing, grading, permits, plans, and 100% vertical costs. Available for $50K to $465K with no credit check required, featuring 9-18 month terms.
- DSCR Loans Purchase and refinance loans for rental properties targeting real estate investors, with purchase options at 80% Max LTV and refinance/cash-out at 75% Max LTV. Covers single-family 1-4 units, condos, and townhouses with loan amounts from $100K to $3M, 30-year PITI or 10-year IO terms, starting at 7.00% APR amortized, supporting both long-term and short-term rental strategies.
- Transactional Funding Short-term purchase loans for wholesalers only, available in over 40 states with loan amounts from $25K to $1M, 24-72 hour terms, and rates as low as 0.75% of the loan amount.
- Turn-Key Private Lending Solution A passive investment solution that allows capital partners to participate in private loans secured to real estate without requiring time commitment, finance background, or being ultra-wealthy. Investors can participate with investments as little as $25K and receive monthly interest checks.
Quantifiable outcome
- Cash-on-Cash returns ranging from 72% to 2069% on funded deals
- +2 more outcomes
Companies that use Blue Bay Capital
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles5 records
Blue Bay Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Blue Bay Capital partnerships and signals
Strategic signalScale indicators4 records
Recent moves5 records
Expansion highlights5 records
Blue Bay Capital competitors and assessment
Company assessmentRegional players
- Private Money Group: Regional private/hard money lender providing bridge and construction loans to real estate investors, primarily in the Western US. Comparable direct lender model and SMB investor target market, though geographic footprint differs.
- Aldridge / Aldridge Lending: Florida- and Southeast-focused hard money lender serving real estate investors with bridge and rehab loans. Comparable regional focus and product mix to Blue Bay's southeastern US footprint.
Direct peers
- Visio Lending: Specializes in DSCR/rental portfolio loans to real estate investors. Directly comparable to Blue Bay's DSCR product and long-term rental strategy use case, though Visio focuses solely on rental rather than fix-and-flip.
- Roc Capital: Direct hard money lender providing bridge, new construction, and transactional funding to real estate investors in the Southeast US. Closely comparable to Blue Bay on geographic footprint, product mix, and SMB investor target market.
- CoreVest Finance: Direct lender specializing in bridge loans for fix-and-flip investors and rental portfolio financing (DSCR) to real estate investors. Closely comparable to Blue Bay's bridge and DSCR product suite and SMB real estate investor focus.
- Kiavi (formerly LendingHome): Tech-enabled direct lender providing bridge and rehab loans to real estate investors with a digital application experience. Comparable to Blue Bay's online loan request platform and asset-based underwriting on investor fix-and-flip projects.
- Lima One Capital: National direct hard money lender offering fix-and-flip, new construction, and rental (DSCR) loans to real estate investors. Highly comparable to Blue Bay Capital in product mix, target customer (SMB investors), and asset-based underwriting approach, though at materially larger scale.
Emerging players
- Groundfloor: Real estate investment platform enabling individual investors to fund short-term loans to house flippers. Comparable in serving the fix-and-flip borrower segment and offering passive investor participation, similar to Blue Bay's Turn-Key Private Lending Solution.
- Patch of Land: Online marketplace lending platform connecting real estate investors with private capital for fix-and-flip and rental loans. Comparable technology-enabled approach to Blue Bay's online loan request platform but operates as a marketplace rather than direct balance-sheet lender.
Broad incumbents
- NewRez (formerly New Penn Financial): Large-scale mortgage lender offering DSCR and investor loan products alongside conventional residential mortgages. Comparable DSCR/investor loan offering to Blue Bay but operates as a much larger diversified mortgage platform.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Blue Bay Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Blue Bay Capital leadership team
Management profileNumber of profiles
Profiles1 record
Blue Bay Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Blue Bay Capital M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Blue Bay Capital
What does Blue Bay Capital do?
Blue Bay Capital is a Tampa, Florida-based direct hard money and private money lender that originates short-term, asset-based loans to real estate investors. It offers a suite of loan products including Bridge Loans, New Construction Loans, DSCR Loans, and Transactional Funding for wholesalers, plus a passive Turn-Key Private Lending Solution that allows capital partners to participate in real-estate-secured notes with minimum investments starting at $25K. Lending is restricted to business entities across Florida and 11 other southeastern U.S. states.
Is Blue Bay Capital a public or private company?
Blue Bay Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Blue Bay Capital founded?
Blue Bay Capital was founded in 2014. It employs 1 to 10 people.
Where is Blue Bay Capital based?
Blue Bay Capital is headquartered in Tampa, United States, in the North America region.
How does Blue Bay Capital make money?
Two revenue lines are on record. Loan Interest Income is the primary driver. The others are origination and Transaction Fees.
Who are Blue Bay Capital's main competitors?
Regional players on record are Private Money Group and Aldridge / Aldridge Lending. Direct peers are Visio Lending, Roc Capital, CoreVest Finance, Kiavi (formerly LendingHome) and Lima One Capital. Emerging players are Groundfloor and Patch of Land. NewRez (formerly New Penn Financial) is listed as a broad incumbent.
Does Blue Bay Capital have an API?
No public API is recorded for Blue Bay Capital.
What industry is Blue Bay Capital in?
Blue Bay Capital's product category is Hard Money / Private Mortgage Lending. Its primary akta.pro industry code is FSANADAI, Middle-Market Lending, with a secondary code of FSAKAGAB, SME Term Loans & Growth Capital. Its NAICS code is 5239 and its SIC code is 6153.