Flatbay Capital's Q1 2026 Financings: Owner-Occupied CRE–Secured Financings Amid Market Uncertainty

Flatbay Capital's Q1 2026 financings supported businesses unable to access traditional bank financing — delivering the capital needed to stabilize operations, restore liquidity, and return to bankability.

$4MM CRE Line of Credit – Data Analytics Firm Refinanced existing real estate debt and generated ~$1.3MM in working capital to stabilize cash flow, manage near-term obligations, and roll out higher-margin products while sales recover.

$2MM CRE Loan – Construction Contractor Amid tightening cash flow and growing project volume, refinanced debt, cleared a secondary mortgage, and provided working capital for ongoing projects.

$2.5MM CRE Line of Credit – Retail / Event Center Paid off an existing mortgage and owed property taxes amid rising operating costs — including a 250% cost increase over two years — while creating availability for working capital and future tax liabilities.

$1.4MM CRE Line of Credit – Commercial Plant Nursery Refinanced existing bank debt and restored liquidity to maintain shipments and support a return to growth following a one-time event that left the business short on working capital.

$1MM CRE Loan – Neurology Medical Office Enabled a start-up practice with no operating history and a near-term closing requirement to acquire its office, launch operations, establish cash flow, and progress toward bankability.

As bank lending grows more selective, creditworthy businesses are increasingly falling outside traditional lending parameters. Flatbay Capital's owner-occupied CRE–secured private credit platform provides the capital to preserve enterprise value, drive growth and bridge the gap back to bankability.

To learn more, visit: www.flatbaycapital.com or connect with your local representative: Houston/Phoenix (Vivian Thompson), Houston/Denver (Lili Tafilaj), San Antonio (Taylor West), Austin (Jesus Becerra), Dallas-Fort Worth (Stephanie Roehm), Atlanta (Steve Hansen), Charlotte, NC (Rich Pietrykowski), Washington, DC (Luis Clavijo)