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THOMAS CAPITAL HOLDINGS

Insights

Notes on capital, written plainly.

Downtown Shreveport skyline
DebtYour loan matures in 18 months. Start now.A refinance is underwritten at today's rates and today's numbers. Starting 12 to 18 months ahead keeps every option open. Here is a simple plan.
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Private ClientWhen your wealth is in real estate, look at the whole portfolioMany families build real estate holdings one deal at a time. A portfolio review shows what you own, what you owe, and where leverage and liquidity can work harder.
Downtown Shreveport skyline
Capital StrategyFinancing a business acquisition: SBA loans and the alternativesBuying a business usually takes more than one source of capital. Here is how SBA loans, seller financing, and other options fit together.
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EquityWhat a capital partner looks for before a joint ventureInstitutional and family office partners read a sponsor before they read a deal. Here is what they look for and how to prepare.
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Capital StrategyExcess cash on the balance sheet: a framework for ownersProfitable private companies often hold more cash than they need. A simple framework helps owners decide how much to keep, how much to deploy, and where.
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EquityPreferred equity or mezzanine debt? How to choose the middle of the stackBoth fill the gap between the senior loan and your equity. They differ in security, remedies, cost, and how a senior lender views them.
Miami skyline across Biscayne Bay
DebtBridge loans work when the exit is planned firstA bridge loan buys time to lease up, renovate, or reposition. It only works if the permanent financing at the end is realistic from day one.
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DebtLender ready: the package that gets a faster yesMost delays in commercial lending come from missing or inconsistent documents. A complete, consistent package shortens the process and improves terms.
Atlanta skyline at night
DebtDSCR, LTV, and debt yield: how lenders size a commercial loanEvery commercial lender runs the same three tests. Whichever one produces the smallest loan sets your number. Here is how each works and how to plan around them.