Capital Solutions

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AI-Powered Commercial Real Estate Financing

Trans-Bay Capital is a fintech platform for commercial real estate financing that combines AI-powered underwriting, direct lending, and capital markets execution for borrowers, developers, and brokers nationwide.

$5M-$100M+

Loan Range

48-72hrs

Term Sheet

44 States

Coverage

Institutional Knowledge

Deep market expertise backed by institutional capital and execution capabilities.

Investor Minded

Long-term partnership approach focused on your portfolio growth and success.

Certainty of Execution

Guaranteed closing with transparent terms and predictable timelines.

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Capital Markets

A Fintech Approach to Real Estate Capital

Not just another lender. Not just another broker.

Intelligent Capital Sourcing

Traditional financing is slow, fragmented, and overly manual. Our platform uses artificial intelligence to analyze deal parameters, match opportunities to the right capital sources, and streamline execution across the financing process. The result is a faster, smarter path to capital for investors, developers, and referral partners who need more than a generic lending relationship.

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AI-Powered Underwriting

Automated analysis of deal parameters, market conditions, and lender appetites in real-time.

7,000+ Lender Network

Comprehensive access to agencies, life companies, debt funds, banks, and private capital sources.

Optimal Match Guarantee

Our AI ensures you get the best terms, rates, and structure for your specific transaction.

Senior Permanent

Long-term fixed-rate financing for stabilized assets across all property types.

Bridge | Transitional

Short-term flexible financing for value-add and repositioning strategies.

Construction

Ground-up and major renovation financing with flexible draw structures.

Mezz | Pref Equity

Subordinate debt and equity solutions to maximize leverage and returns.

Our Lender Network

Access to every capital source across the stack

Agency

Fannie Mae, Freddie Mac

Life Companies

Insurance capital

Debt Funds

Institutional capital

Banks

Regional & national

Private Capital

Family offices, HNW

CMBS

Conduit lenders

Execution Framework

24-48 Hour Term Sheet

AI-accelerated response with certainty

Optimal Lender Match

Best terms from 7,000+ sources

Streamlined Process

2-3 week closings with direct lending option

Capital Markets

Direct Lending Programs

While capital markets is our focus, we also offer direct lending
solutions for speed-critical transactions.

Fix & Flip

Deep market expertise backed by institutional capital and execution capabilities.

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Construction

Horizontal and vertical construction financing for residential and commercial projects.

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Multifamily Bridge

Value-add acquisitions and recapitalizations for stabilized multifamily assets.

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Multifamily Construction

Ground-up, conversions, and adaptive reuse projects for multifamily developments.

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Direct Lending with Trans-Bay Capital

When speed matters, our direct lending programs deliver certainty of execution with institutional-grade underwriting.

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Insights

Market Intelligence

Stay ahead with expert analysis, market trends, and real-world case studies from our team

Featured

5 min read

Office occupancy trends, Amazon’s return-to-work mandate, and how the senior debt market landscape is evolving for commercial real estate investors.

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Featured

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How we leveraged our AI platform and lender network to secure optimal terms for a complex multifamily acquisition.

White Paper

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AI in Commercial
Lending

Discover how artificial intelligence is transforming capital sourcing and underwriting processes.

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Here is what every multifamily sponsor needs to understand about the current bridge loan market.

Why Trans Bay Capital

Built for Operators

The institutional backing you need. The partnership you deserve.

AI-Powered Intelligence

Our proprietary technology analyzes 7,000+ lenders in real-time, ensuring you get optimal terms on every deal. What used to take weeks now happens in hours.

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Institutional + Boutique

We combine the certainty and scale of institutional capital with the personalized service and speed of a boutique firm. You get the best of both worlds.

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48-72 Hour Term Sheets

Speed matters. Our AI platform and direct lender relationships enable lightning-fast responses without sacrificing quality.

Certainty of Execution

When we commit, we close. Our track record speaks for itself with a 95% closing rate across all deal types.

Full Capital Stack

Senior, bridge, construction,
mezzanine, preferred equity. One partner for your entire capital needs.

For Brokers & Partners

White-label program combining speed, certainty, and institutional capital.

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Need Capital Clarity?

Fast, flexible financing for middle market to institutional transactions.

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Borrower Portal

For commercial real estate project

Broker Portal

For refer deals and join the Capital Circle