Private Money
Flatbay Capital
Flatbay Capital is a Texas-based private commercial real estate lender focused on providing bridge loans for owner-occupied properties starting at $1 million, offering flexible terms to help business owners transition back to traditional banking within 12-36 months.
Key Statistics
As of June 2026, public records show Flatbay Capital has originated approximately $29.0M in loan volume over the past 12 months, with an average loan size of $1.8M.
Volume (12mo)
$29.0M
Avg Loan Size
$1.8M
Total Mortgages
61
Total Borrowers
96
Lending Entities
Flatbay Capital funds loans through the following entities. These are the legal entities that appear on recorded mortgage documents.
46 mortgages recorded
14 mortgages recorded
+4 more entities not shown
Geography
Flatbay Capital's lending activity is concentrated in the following states, based on recorded mortgage data from the past 12 months.
Mortgages (12mo): 13
Volume (12mo): $21.3M
Total Volume: $98.4M
Mortgages (12mo): 1
Volume (12mo): $3.0M
Total Volume: $3.0M
Mortgages (12mo): 1
Volume (12mo): $4.5M
Total Volume: $4.5M
Top Borrowers
The following individuals have the most recorded mortgage transactions with Flatbay Capital. Click on a borrower to view their full investor profile.
+93 more borrowers not shown
FAQ
What type of lender is Flatbay Capital?
Flatbay Capital is classified as an private money based on our research. The majority of their loans (72%) are for business purposes.
What entities does Flatbay Capital fund loans under?
Flatbay Capital originates mortgages through 6 different lending entities. The most common include Flatbay Fund I and Luna Mortgage. These are the legal entity names that appear on recorded mortgage documents.
Where is Flatbay Capital most active?
Based on recorded mortgages, Flatbay Capital is most active in Texas, Wisconsin, and Virginia.
How many loans has Flatbay Capital originated?
Public records show 61 mortgages recorded for Flatbay Capital, with $29.0M in volume over the past 12 months.
What is the average loan size for Flatbay Capital?
The average mortgage size for Flatbay Capital is $1.8M based on all recorded mortgages.
Does Flatbay Capital offer short-term loans?
Flatbay Capital primarily offers long-term financing, with only 0% of loans being short-term.
How is this data collected?
Elementix aggregates mortgage data from public county records across the United States. We use AI to normalize lender names, identify aliases, and connect borrowers to their lending relationships.