Flatbay Capital Provided a $4MM Owner-Occupied CRE Line to a Research and Data Analytics Firm

A long-established research and data analytics firm experienced a temporary one-time business disruption creating short-term cash flow pressure despite a strong operating history and improving revenue trends.

Flatbay Capital provided a $4MM line of credit at 60% LTV secured by owner-occupied CRE in Dallas Fort-Worth. The facility refinanced existing real estate debt and generated approximately $1.3MM of working capital, allowing the company to stabilize cash flow, manage near-term obligations, and support the rollout of new high-margin software products while sales recover.
The structure provides flexibility through an interest-only period and incremental availability tied to performance milestones—positioning the business to bridge through volatility and return to traditional bank financing.

About Flatbay Capital

Flatbay Capital specializes in non-bank commercial real estate loans/lines $1MM+ secured with owner-occupied commercial real estate. To learn more visit: www.flatbaycapital.com or connect on LinkedIn with your local representative: Houston/Phoenix (Vivian Thompson), Houston/Denver (Lili Tafilaj), San Antonio (Taylor West), Austin (Jesus Becerra, Helena Hauk), Dallas-Fort Worth (Stephanie Roehm), Atlanta (Steve Hansen)