This Isn’t Recruiting. This Is Rebuilding Your Business — On Your Terms.
You’re Not a Number — You’re the Business. Let’s Treat It That Way.
If You're Feeling Stuck, You're Not Alone
Maybe you’re hitting $2.5M/month and wondering why your income doesn’t reflect it. Maybe leadership feels distant — or worse, irrelevant.
Maybe you're tired of micromanagement disguised as mentorship.
The truth is, most platforms weren’t built to serve you. They were built to serve themselves.
At Bay Capital, we flipped the script.
Freedom, Margins, and a Team That Picks Up the Phone
Competitive Rates, Real Compensation
No more bloated structures or mystery margins. You keep more of what you close — and know exactly where every basis point goes.
Full Autonomy, No Micromanagement
You run your business. We support it. That means no one breathing down your neck or slowing you down with pointless layers of leadership.
Smart Systems That Scale With You
We cut the fluff and invested in tools that make your life easier — not harder. Efficient, lean, and built for growth.
Don't take my word for it
"As a coach, Nick is amazing, but recently, he helped me navigate through a difficult and almost impossible situation"... "Had it not been for Nick’s in depth understanding of each of us individually, as well as the dynamics of our partnership, not to mention his knowledge of human behavior, he would not have been as effective as he was. Most importantly, over the last year, Nick had built trust with me, which allowed me to easily seek out and welcome his help. I am thankful for Nick’s support and will forever be grateful for his role in this challenging time for my partner and I!!!!"
- Anouheh (CA)
Nick has been coaching my team and I for almost a year now and the difference in my business and life he has made is invaluable. Nick is extremely easy to talk to which allows you to be open with your problems to diagnosis the root issues and provide real time solutions to allow your business to thrive. Since we have started coaching with Nick, our business has increased 33%. If I would have implementing everything Nick wanted to me to do we would easily have doubled at this point. If you are considering a coach, spend an hour of your time with Nick and you will quickly know he can help take you where you want to go. Thank you for everything sir.
- Ryan
"Nick is a motivator. He has helped me in my business to be more aware of my intentions and to ensure I am doing things that are going to earn a return on my investment. He is impactful, kind, energetic, intelligent and just an all around great human. He has provided me with tools and knowledge to grow my business and make sure I am working in my business the most efficient ways I can. I look forward to what he has in store for me and just being around his energy each call we have."
- Keyllyn (Athens, GA)
"I wanted to give a huge shout out to Nick Thomas with the whole coaching platform. Not only does he coach myself, but also my senior LO's on my team in which has become an absolute integral part of our growth. Nick has helped recruit, focus and also motivate our people as I add to the team. Nick’s insight, wisdom, and perspective has had influence, power and most importantly been a HUGE part of our growing success."
- Dan (Dallas, TX)
"Nick Thomas has always been a consistent source of trusted advice in my Loan Business. He has his finger on the pulse of the market and consistently is ready help you overcome the challenges you encounter in the day to day market.
- Andrew (York, PA)
BEST COACH EVER! I have coached with him as an LO for 2+ years and my growth is amazing! Love the support and knowledge he shares with me every time!
- Constance
Why Talk to Me?
Because I’m Not Here to Pitch. I’m Here to Build.
Nick Thomas
I’m not a recruiter. I’m a builder of purpose-driven businesses. Over the past 30 years, I’ve coached over 300 Loan Officers through market shifts, career pivots, and major growth. The common thread? They wanted a business that supported their life — not one that consumed it.
My job isn’t to sell you on Bay Capital. It’s to understand your goals, your vision, and help you decide whether this is the right fit for you.
Frequently Asked Questions
Can I actually make the money I want without sacrificing everything else in my life?
Let’s be honest — a lot of loan officers are grinding hard, making decent money, but burning out or missing out at home.
What I say:
"Yes. That’s the whole point. We help you build a business that funds your life, not one that replaces it. You’ll have clarity around your income goals and a structure to get there — without losing your health, your relationships, or your sanity in the process."
Will I have the freedom to run my business the way I know works for me?
Let’s be honest — a lot of loan officers are grinding hard, making decent money, but burning out or missing out at home.
What I say:
"Yes. That’s the whole point. We help you build a business that funds your life, not one that replaces it. You’ll have clarity around your income goals and a structure to get there — without losing your health, your relationships, or your sanity in the process."
Can I build something bigger than just a pipeline?
A lot of LOs feel like they’re on a hamster wheel — closing deals, but not building anything that lasts.
What I say:
"We’re about building a business that serves your purpose. Whether it’s creating time freedom, starting a brand, or launching your own P&L division — we’ll help you build something meaningful and sustainable. This isn’t just about volume. It’s about legacy."
Why should I trust you over every other offer in my inbox?
That’s a fair question. You’ve probably heard it all.
What I say:
"I’m not here to recruit you. I’m here to help you get positioned where your gifts, your goals, and your life finally line up. I’ve coached over 300 loan officers to build lives and businesses that feel aligned. If you're ready to stop surviving and start designing, let's talk."
What’s the culture really like?
Because let’s be real — the wrong environment will wear you out faster than a bad market.
What I say:
"We’re not corporate. We’re not cliquey. We’re not just about numbers. We’re a community of people who care deeply about how we show up — for our clients, our families, and ourselves. Our culture is about living life on purpose, with people who have your back."
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