Baypark Commercial Capital in Big Spring, Texas is a funding broker, not a lender. It passes funding requests to partners, which review them and decide on approval and terms on their own. A merchant cash advance is not a loan. Read any offer in full before signing.
Baypark Commercial Capital Is a Funding Broker, Not a Lender
Baypark Commercial Capital does not lend, lease or advance its own money and does not make credit decisions. It takes a business's request by phone or form, discusses which funding types fit, and passes the request to funding partners that consider that kind of request.
Funding Partners Make Every Credit Decision
Only the funding partner decides whether to make an offer, and it sets the amount, cost and terms. A partner may decline or offer something different from the request. Baypark Commercial Capital cannot change a partner's decision and does not promise that any request leads to an offer.
Merchant Cash Advances Are Not Loans
In a merchant cash advance, a provider buys a share of the receipts a business will take in later. That share is collected from sales or by set debits, and the cost is a factor on the amount advanced rather than an interest rate. Compare the total to be collected with the total cost of a loan for the same need.
Checks Before Signing an Offer
- Read the whole agreement and keep a signed copy.
- Add up every fee and the total dollars to be paid or collected.
- Confirm the collateral, guarantee and early-payoff terms.
- Ask the partner about any term that is unclear before signing.
By Baypark Commercial Capital · Updated