Bay Point Advisors

Bay Point Advisors is an Atlanta-based nonbank lender and investment advisory firm specializing in short-term, senior secured bridge loans backed by hard assets. It targets niche, capital-scarce situations — including small businesses, specialty finance, aviation, and luxury real estate — where traditional banks typically won't lend. Loans go up to $10 million, and the firm states no minimum credit score or time-in-business requirement, making asset quality and collateral the primary underwriting focus. Because Bay Point operates in illiquid, complex segments, deals tend to be highly bespoke rather than standardized. A Wall Street Journal report noted the firm steps in when conventional lenders won't, but also flagged that some borrowers found it aggressive in collection and repayment enforcement — worth factoring in before engaging. Bay Point appears best suited for asset-rich borrowers facing time-sensitive situations who understand the trade-offs of hard-money, bridge-style capital.