South Bay Commercial Capital

What South Bay Commercial Capital does

South Bay Commercial Capital (d/b/a South Bay Lending) is a private commercial lending firm founded in 2007 by Scott Stehlik and headquartered in Stony Brook, New York, with a second office in Bluffton, South Carolina. The firm originates commercial mortgage and business financing nationwide, offering six loan products spanning Multi-Family ($250K-$50M+, FHA/FNMA/FHLMC programs), General Commercial ($400K-$75M+, 3- to 10+ year terms), Construction (ground-up and rehabilitation, reviewed case-by-case), SBA 7(a) and 504 (up to $10M), Hard Money/Bridge ($100K-$10M+), and Private Money (bridge, mezzanine, and flexible private financing). The company positions itself to serve borrowers turned down by traditional banks, promising delivery of loan terms within 48 hours of receiving requested documentation.

The firm operates as a correspondent lender rather than a balance-sheet lender, leveraging direct conduits to Wall Street money and volume pricing to compete on rate while retaining broker-style flexibility on terms. Its go-to-market is sales-led and relationship-driven, with deal flow sourced primarily through direct outreach, referrals, and Scott Stehlik's professional network developed across his prior environmental consulting and commercial finance career. The website (southbaylending.net) functions as the primary top-of-funnel marketing channel, listing detailed product terms and direct contact information.

The business model is transaction-based: revenue is generated from origination fees on closed loans rather than recurring interest income, since loans are funded through correspondent Wall Street relationships rather than retained on the firm's own balance sheet. The firm is privately held by its founder, with no disclosed institutional investors, funding rounds, acquisitions, or partnerships. No proprietary technology, AI tooling, or third-party integrations were identified in the source material; operational scale is 11-50 employees, and no revenue or origination volume figures are publicly disclosed.

Name

South Bay Commercial Capital

Legal name

South Bay Commercial Capital

Website

https://southbaylending.net

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

South Bay Commercial Capital (d/b/a South Bay Lending) is a private, nationwide commercial lender founded in 2007 that originates multi-family, SBA, construction, hard money, and private money loans ($100K to $75M+) for borrowers turned down by traditional banks, operating as a Wall Street correspondent.

Ownership category

akta.pro rank

Product category

Commercial Real Estate Lending

NAICS

Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (522310), Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro industry

PRIMARYFSABABAG

SME Commercial Real Estate (CRE) Lending

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

SECONDARYFSAKAGAI

SBA/Government-Backed & Development Finance Loans

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

SECONDARYFSALADAH

Construction & Development (C&D) Lending — Commercial/Multifamily

Financial & Insurance/Mortgage & Housing Finance/Commercial & Multifamily Mortgage Lending

SECONDARYFSAKAGAB

SME Term Loans & Growth Capital

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

Keywords

• Commercial real estate lending
• SBA loan financing
• Bridge loan financing
• Multi-family mortgage
• Construction lending

Headquarters

HQ city

Stony Brook

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, Technology or R&D, Infrastructure

Revenue model

1. Commercial Loan Origination: Revenue generated from closing commercial real estate loans, SBA loans, construction loans, and hard money financing. Acts as a correspondent lender with direct conduits to Wall Street money and volume pricing access.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

South Bay Commercial Capital originates and closes commercial mortgage and business loans nationwide, including multi-family (FHA/FNMA/FHLMC), general commercial, construction, SBA 7(a) and 504, hard money/bridge, and private money financing. Loan sizes range from $100K to $75M+, and the firm targets borrowers who have been turned down by traditional banks, delivering loan terms within 48 hours of receiving documentation.

Product overview

South Bay Commercial Capital (d/b/a South Bay Lending) operates as a commercial mortgage and business financing provider offering a portfolio of loan products nationwide. The core offerings include Multi-Family (FHA/FNMA/FHLMC), General Commercial, Construction, SBA (7a and 504), Hard Money/Bridge, and Private Money products. The company positions itself as a direct lender with correspondent relationships to Wall Street funding sources, offering loan amounts ranging from $100K to $75M+ depending on the product. They specialize in serving borrowers who have been turned down elsewhere, with stated delivery of terms within 48 hours of documentation receipt.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Loan terms delivered within 48 hours of receipt of requested documentation

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Market position

Competitive moat3 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 South Bay Commercial Capital