Debt · Equity · Strategy
We design the capital. Then we get it closed.
Thomas Capital Holdings advises operating businesses, real estate sponsors, and private clients on how to structure debt and equity, where to source it, and how to see it through.
Miami, FLPhoto: Joe deSousa, CC0
What we do
Consultative from the first conversation. Engagements from seven to ten figures.
I.Debt AdvisoryAcquisition, refinance, bridge, construction, DSCR, SBA and business credit, restructurings and loan maturities.II.Equity AdvisoryJV equity, preferred equity, co-GP and LP capital, recapitalizations, and family office introductions.III.Capital Strategy for BusinessesGrowth capital, acquisitions, and a plan for retained earnings that are sitting idle.IV.Private Client AdvisoryReal estate holdings strategy, portfolio leverage, and liquidity planning, coordinated with your CPA and attorney.
How it works
Your goals first. The capital plan second. Lenders and investors last.
- 01DiscoveryGoals, timeline, financials, and the full picture.
- 02Capital planThe structure we recommend and the tradeoffs.
- 03PlacementA prepared package to the right capital sources.
- 04CloseTerms, diligence, and documents through funding.
- 05RelationshipMaturities and the next opportunity, watched early.
Tools
Size the loan yourself.
Our calculators show the math and the assumptions behind it. Use them on your own, then bring the results to a call.
Leadership · Veteran led
Private banking judgment. Engineering discipline.
Spencer Thomas
Founder and CEO
Nearly two decades across private banking, commercial and investor lending, and real estate private equity.
James Mansingh
Chief Development Officer
Engineer and former U.S. Navy nuclear reactor operator who brings construction, development, and industrial execution judgment.