Companies · Fintech

Bayside Credit

IRVINE · Fintech · refined from filed group “Other

Diligence memoA one-page analyst read on Bayside Credit — recommendation, valuation, rhythm, risks.
$489K
Total raised · real
2
Rounds
1.9×
Latest step-up
Top 31%
Sector rank · raised
Pre-Seed
Latest stage · inferred · Wed Sep 09 2020 00:00:00 GMT+0000 (Coordinated Universal Time)

Bayside Credit looks under-valued against its niche peers and is dormant on financing cadence.

Synthesized from the figures below est. — every claim rests on a number shown on this page. Valuation uses the fintech sector profile.

Analyst read est. — computed against this company's niche peers in the same era. Inputs shown; not a quoted figure.

Under-valued
  • Modeled value is 0.58× the median modeled value of Pre-Seed Fintech companies in 2019–2021 (29 peers) — value vs value, same stage and era.
  • Issuer reports $5M–$25M revenue while modeled below niche peers.
Dormant
  • Last raise 5.8 yr ago; this sector typically re-raises about every 12 months.
  • Silent for over 3× the sector's normal cadence.
Leadership

No named principal in this company's public records yet — see all operators below.

Explore how these operators interlock with other companies in the operator network.

Where it sits in Fintech

Bayside Credit is one of 1063 Fintech companies tracked from IRVINE. By capital raised it ranks in the upper tier (ahead of 70% of sector peers), and in the upper tier by modeled valuation est..

Ranking is computed against this company's own sector cohort — reported capital is fact; valuation tiers are modeled.

As reported in public records reported — not modeled.

US
Jurisdiction
$5M–$25M
Issuer revenue
Rule 506(b)
Reg D exemption
1
Investors (latest)
2020-09-09
First sale
Amount raised vs valuation, by round

Solid bars are reported offering amounts reported; hatched bars are the modeled post-money valuation est. — both on one shared scale so you can read raise-vs-worth at each round directly. Use the toggles to overlay data labels and the niche-peer / market average value lines.

Amount raised · realModeled valuation · estCumulative funded · real
$0$5.0M$10M$15M$20MPre-Seed · 2019-04-12 Raised $167K (real) Modeled valuation $7.3M (est)$167K$7.3MPre-Seed2019Pre-Seed · 2020-09-09 Raised $322K (real) Modeled valuation $13M (est)$322K$13MPre-Seed2020+$322KCumulative $489K

The line shows cumulative reported funding over the period; + labels show new capital added between points when there is room. Toggle on-bar figures, plus the niche-peer and market averages, to read this company against its cohort. Benchmarks are modeled medians.

Financing ladder & sequence gaps
Pre-Seed$167K · 2019
Pre-Seed extension$322K · 2020

Stages are modeled from round size (public records carry no series label). Ladder is contiguous — every modeled rung has a record.

Modeled valuation trajectory
$12.7M
Base estimate est.
$206K
Conservative case
$135.6M
Upside case
$1.8M
Modeled post-money

Round size and date are reported; the stage label is inferred from round size (latest is Pre-Seeda round under $1.0M). Valuation is modeled from stage benchmarks scaled by the fintech sector profile. Directional, not a quoted figure.

Pre-Seed · modeled $7.3M · 2019-04-122019Pre-Seed · modeled $12.7M · 2020-09-092020
Model inputs · modeled:benchmark-stage-stepup-v1
18%
Dilution assumption
Implied ownership sold in the financing.
29%
Survival probability
12% low · 53% high
1.74×/yr
Annual markup
2.35×/yr upside case
5.8 yr
Elapsed time used
5.8 yr actual, capped for stale marks
fintech
Sector profile
Adjusts growth and survival by industry.
Financing rhythm
17 mo
Avg between rounds
$346K/yr
Capital velocity
7.2 yr
On record since
2019
First round
2
Rounds on file
How it compares to the market

Benchmarked against 1063 companies in Fintech. Each bar is a median (the middle company, not an average — outliers don't skew it). Two yardsticks: real money raised (reported on Form D) and modeled value (our estimate est.). These are whole-sector medians across all stages, except the per-stage row.

Total raised — vs sector median (real $, all stages) 0.1× of median
This company$489K
Sector median$4.3M
Latest round — vs other Pre-Seed rounds in sector (real $, this stage) 0.6× of median
This company$322K
Sector median$550K
Modeled value — vs sector median (estimate, all stages) 0.3× of median
This company$12.7M
Sector median$45.0M

Raised more than 70% of sector peers (real $). Modeled value above 74% of peers (estimate).

Niche peers — same stage & era

A tighter cohort than the sector chart above — only companies at the same stage (Pre-Seed) that last raised in the same ~3-year era, ranked by modeled value est. (not money raised). This is the exact set the analyst read compares against, so a like-for-like cohort is what makes "over/under-valued" meaningful. This company ranks #25 of 29.

This companyCohort peer
$10.0M$100.0M$1.0B$100K$1.0M$10.0MCapital raised (log)Telda · Pre-Seed Raised $5.0M · modeled $134.8M (est)Prospa · Pre-Seed Raised $3.8M · modeled $86.2M (est)Kuda · Pre-Seed Raised $1.6M · modeled $70.1M (est)Wapi Pay · Pre-Seed Raised $2.2M · modeled $52.7M (est)Okra · Pre-Seed Raised $1.0M · modeled $43.8M (est)Hypcloud Inc. · Pre-Seed Raised $936K · modeled $41.0M (est)Chaka · Pre-Seed Raised $1.5M · modeled $36.8M (est)Fintech. TV PBC · Pre-Seed Raised $840K · modeled $35.1M (est)Cassbana · Pre-Seed Raised $1.0M · modeled $32.6M (est)OnePipe · Pre-Seed Raised $950K · modeled $32.2M (est)Aella Inc. · Pre-Seed Raised $655K · modeled $28.7M (est)Ensibuuko · Pre-Seed Raised $1.0M · modeled $27.5M (est)Bayside Credit (this company) Raised $489K · modeled $12.7M (est)Bayside Credit
CompanyStageRaised · realValue · estvs peer med.
TeldaPre-Seed$5.0M$134.8M6.17×
ProspaPre-Seed$3.8M$86.2M3.95×
KudaPre-Seed$1.6M$70.1M3.21×
Wapi PayPre-Seed$2.2M$52.7M2.41×
OkraPre-Seed$1.0M$43.8M2.01×
Hypcloud Inc.Pre-Seed$936K$41.0M1.88×
ChakaPre-Seed$1.5M$36.8M1.68×
Fintech. TV PBCPre-Seed$840K$35.1M1.61×
CassbanaPre-Seed$1.0M$32.6M1.49×
OnePipePre-Seed$950K$32.2M1.47×
Aella Inc.Pre-Seed$655K$28.7M1.31×
EnsibuukoPre-Seed$1.0M$27.5M1.26×
Bayside Credit this companyPre-Seed$489K$12.7M0.58×
Full financing history

Stage is inferred from round size est., not reported on the filing — a round's dollar size maps to a bucket: Pre-Seed <$1.0M · Seed $1.0M–$4.0M · Series A $4.0M–$15M · Series B $15M–$40M · Series C $40M–$100M · Series D+ $100M–$400M · Growth/Late >$400M.

StageAmount · realAnnouncedPost-money · estValue · estConf.
Pre-Seed$167K2019-04-12$926K$7.3M90%
Pre-Seed$322K2020-09-09$1.8M$12.7M90%
What happened at each round

Step-up, pace versus the sector's normal cadence, and revenue/exemption moves — read straight from the reported round facts reported.

  1. Pre-Seed$167K2019-04-12
    • First recorded raise — entered as Pre-Seed.
    • 1 investor on this round.
  2. Pre-Seed$322K2020-09-09
    • Raised 17 mo later, in step with the ~12 mo sector norm.
    • Round 1.9× larger than the prior — scaling up.
    • Revenue band moved $1M–$5M → $5M–$25M.
    • 1 investor on this round.
Intelligence
2022 ~Q1
Modeled next raise · ~17mo cadence
$622K
Modeled next size est.range $404K$996K
1.9×
Last step-up
$346K/yr
Capital velocity

Predictive signals are modeled est. from this company's own cadence and step-up, plus sector benchmarks — directional, not advice. Peer set and a CSV export live in your analyst workspace.

Key people & operators

Officers, directors and promoters named in this company's public recordsreported — the people who run it (not its investors). "Also runs" counts come from name-matching across all records, so verify before acting.

PersonRoleAlso runsTied since
GUY SCHWARTZ2019-04
NIMA MOFRAD2020-09
Registry & provenance

Bayside Credit is an official record sourced from the U.S. Securities and Exchange Commission (SEC). U.S. data is aggregated from SEC Form D filings.

United States
Country of record
US
Jurisdiction
1776796
SEC CIK
Similar companies

Nearest neighbours across the whole database — matched on sector, stage and capital scale, and on shared operators (officers or directors named at both companies in public filings). A discovery shortlist, not a valuation cohort — verify before acting, the same way modeled figures are directional.

CompanySectorStageRaised · realValue · estWhy similar
Allison Fintech CoFintechPre-Seed$500K$5.1Msame sector · same stage
MonoFintechPre-Seed$500K$17.0Msame sector · same stage
Stream Pay Platforms Africa Inc.FintechPre-Seed$500K$1.2Msame sector · same stage
SwipeFintechPre-Seed$500K$7.1Msame sector · same stage
SyarpaFintechPre-Seed$500K$8.1Msame sector · same stage
Trade LendaFintechPre-Seed$520K$5.5Msame sector · same stage
Hc Lending LlcFintechPre-Seed$450K$1.2Msame sector · same stage
White Dog Trading & Storage, LLCFintechPre-Seed$543K$4.0Msame sector · same stage
Semantically similar

Matched by meaning, not labels — a local language model reads each company's name, sector and description and ranks the closest in that learned space. This catches look-alikes that cross sector boundaries; the structured list above explains its matches, this one trusts the text. Directional, like every modeled signal here.

CompanySectorStageValue · estMatch
SG Credit Partners, Inc.FintechSeries A$172.1M84%
Honeycomb Credit Inc.FintechSeries A$3.1M84%
KNCT Lending III, LLCFintechSeed$36.5M82%
Best Credit Management, Inc.FintechPre-Seed$38.8M81%
Quanta Credit Services, Inc.FintechSeed$4.3M80%
Alphaeon Credit HoldCo LLCFintechSeries B$560.9M80%
Advisor Credit Exchange, LLCFintechSeries B$364.0M80%
Bloom Credit, IncFintechSeries A$15.0M80%
Frequently asked
How much funding has Bayside Credit raised?
Bayside Credit has raised approximately $489K in disclosed capital across 2 recorded financing rounds, aggregated from public filings.
What is Bayside Credit's estimated valuation?
Provath's modeled valuation for Bayside Credit is approximately $12.7M (modeled range $206K–$135.6M). This is an algorithmic estimate derived from round sizes and same-niche peers — not a quoted or reported figure.
What funding stage is Bayside Credit at?
Bayside Credit's latest modeled financing stage is Pre-Seed. Its most recent recorded round closed around Wed Sep 09.
What does Bayside Credit do and where is it based?
Bayside Credit operates in the Fintech sector, based in IRVINE.
Explore related

See where Bayside Credit sits in the wider market — its sector, location and stage cohorts, each with their own leaderboards and capital-flow timelines.

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