Bay Harbor Capital is a New York Corporation operating in all 50 states specializing in Alternative Business Financing, or loans that banks today cannot or will not make.  Quite simply, we are able to provide funds to qualified businesses and professionals when no one else can.

The principal owners of Bay Harbor Capital have deep roots and decades of experience in the world of finance. By building one of the most successful residential mortgage loan brokerages in New York – which arranged in excess of half-a-billion dollars in residential loan transactions during its height – we became experts in lending products, their sources, and the financial industry as a whole.

Four years ago, despite the unfettered growth of our mortgage company, we began to see cracks in the foundation of the residential lending business model utilized by most of our partner lenders. We recognized that the primary flaw was not that funds were being lent to persons who were not entirely creditworthy; risk, quite simply, is an inherent part of the financing process. The real issue, instead, was that these funds were being lent at rates and terms that were not risk-based. The industry simply did not hedge against the inevitable fact that some are simply unable to repay debts. 

Whether you need to get new equipment, finance your accounts receivable, raise working capital, or acquire a company, Bay Harbor Capital can do it all.