baycap is a next-generation debt advisory firm based in Geelong, founded by experienced finance professional Trent Millsteed. Trent brings over fifteen years of commercial banking experience across a number of major lenders, with a proven track record in delivering tailored funding solutions for business owners, investors and senior finance executives.

baycap partners with business owners, investors, and high-net-worth individuals to deliver smarter, strategic lending solutions across both commercial and personal finance. Whether you're looking to fund growth, restructure existing debt, access capital, or simply borrow more effectively, baycap can support your needs with clarity and confidence.

We assist with all commercial lending requirements, including, but not strictly limited to, cashflow and working capital finance, property development and investment lending, mergers and acquisitions, and standard residential lending for business owners.

Our experience spans a broad spectrum—from ASX-listed entities to family-run businesses and everything in between—giving us the insight and capability to deliver the right solution, no matter the scale or complexity. More than brokers, we act as trusted financial wingmen—navigating complexity, unlocking opportunities, and aligning outcomes with long-term goals.

Built on real relationships and grounded in community, baycap is proudly people-first and fiercely committed to helping clients succeed—smarter, not harder.