Diligence memo · auto-generated · as of July 2, 2026
Bayside Credit
Bayside Credit looks under-valued against its niche peers and is dormant on financing cadence.
Businessfiled
Bayside Credit operates in Fintech, based in IRVINE.
No verified homepage on file yet — operating evidence is limited to the public record.
Capital & rounds (filed)filed
Bayside Credit has raised $489K in disclosed capital across 2 recorded rounds, aggregated from public filings. Its latest round is modeled as Pre-Seed (a round under $1.0M).
Largest single filing: $322K on 2020-09-09.
Most recent recorded round closed around 2020-09-09.
Valuation (modeled)modeled
Provath models Bayside Credit at approximately $13M (range $206K–$136M). This is an algorithmic estimate from round sizes and same-niche peers — not a quoted or reported figure.
Read: 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.
Financing rhythm & timingmixed
Historic cadence: a new round about every 17 months.
Last raise 5.8 yr ago; this sector typically re-raises about every 12 months.
Silent for over 3× the sector's normal cadence.
The last round stepped up 1.9× from the prior — scaling.
Comparablesmixed
Capital scale ranks ahead of 70% of Fintech peers (1063 compared).
Modeled value ranks above 74% of those peers.
Closest niche peers: Telda, Prospa, Kuda, Wapi Pay, Okra.
Peoplefiled
2 named people on file across officers, directors and signatories.
Risks & flagsmixed
Financing has been silent well beyond sector cadence — possibly defunct, acquired, or paused.
No clearly named CEO/founder/principal in the surfaced records — key-person evidence is thin.