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The Team

Who We Are

A group of Urban Bay Financial team members collaborating at the deal desk, engaged in discussion, with computers, documents
Urban Bay Financial is a direct lender specializing in commercial real estate-backed transactions. Leveraging a tech-enabled platform, the firm streamlines the funding process to meet demanding timelines and complex deal structures. Urban Bay actively seeks large-scale originations where asset valuation and deal complexity align with its expertise. With deep roots in mortgage finance and structured lending, the team excels in analyzing, underwriting, and structuring transactions that offer compelling risk-adjusted returns. Urban Bay positions itself as a nimble, asset-focused alternative to traditional lending sources.

Caleb Walsh

Caleb Walsh is an American real estate investor and financier. He is the founder of multiple firms specializing in private credit and real estate-backed lending. Since 2008, Walsh has led investments in multifamily, hospitality, and affordable housing across ten states.
 
An early adopter of alternative financing, he has structured deals for both his own portfolio and those of other operators. He primarily resides in Florida, with his family and has been an active member of the community for over 10 years.
Professional headshot of Caleb Walsh for Urban Bay Financial, featuring a person in business attire against neutral backdrop
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Urban Bay in the News:

  1. Caleb Walsh’s Urban Bay Financial Facilitates $5 Million Expansion of America’s Largest Tiny Home Community - Associated Press

  2. Urban Bay Financial Facilitates $840,000 Funding to Save 24‑Unit Riverdale Apartment Complex from Imminent Foreclosure - Naples Daily News

  3. Urban Bay Financial finances landlord in Stroudsburg, Pennsylvania

  4. Urban Bay Financial Expands Construction Lending Program for Commercial Developers

  5. Urban Bay Financial Accelerates Hard Money Lending Nationwide, Closing Multifamily and Commercial Deals as Traditional Credit Tightens

  6. Urban Bay Financial Provides Pre‑Construction Capital for $1B AC Project

  7. Column: The challenges of funding private educational institutions

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