David Makoi has joined Finbay Capital as a Finance Broker, specialising in commercial, asset, and business lending solutions. With a strong background in both direct broking and high-volume deal flow environments, David brings practical experience in structuring funding solutions that align with real-world business needs.

Prior to joining Finbay Capital, David worked as a Commercial Finance Broker, where he specialised in working capital, asset finance, and business lending. He has written a wide range of deals—from smaller unsecured facilities through to larger secured transactions, including private lending and business acquisition finance—giving him a well-rounded understanding of both straightforward and complex funding scenarios.

David’s strength lies in his ability to assess a client’s full financial position and structure tailored lending solutions that support growth, improve cash flow, or unlock opportunities. He takes a practical, solution-focused approach, working closely with both clients and lenders to navigate challenges and drive strong outcomes.

Known for his strong work ethic, attention to detail, and clear communication, David builds genuine, long-term relationships by consistently delivering reliable and transparent advice. He is highly adaptable, commercially minded, and thrives in fast-paced environments where execution matters.

At Finbay Capital, David is focused on delivering efficient, results-driven lending outcomes across business, asset, and commercial transactions. His ability to combine technical lending knowledge with a client-first approach makes him a trusted advisor for clients looking to grow, scale, or restructure their financial position.