"We don't replace your bank — we step in where they can't."
We've Heard It Before
If any of these describe your situation, you're in the right place. We specialize in solving capital challenges that banks can't or won't address.
Bank Said No?
Traditional lenders declined your application due to industry risk, revenue volatility, or insufficient collateral.
Need Funding Fast?
Your opportunity won't wait for a 90-day bank underwriting process. You need capital in weeks, not months.
Cash Flow Gaps?
Seasonal fluctuations, delayed receivables, or rapid growth are straining your working capital.
Bank Cutting Your Line?
Your existing bank is reducing or eliminating your credit facility right when you need it most.
Need Non-Dilutive Capital?
You want to grow without giving up equity or control of your business.
Complex Financials?
Your situation doesn't fit neatly into a bank's standardized underwriting box.
Overpaying on Processing?
Hidden fees and outdated merchant processing rates are eating into your margins.
Planning Your Exit?
You're thinking about succession planning, M&A, or an ESOP but don't know where to start.
Comprehensive Capital Solutions
Private Credit
Tailored, creative private credit solutions — from term loans and equipment financing to bonds and asset-based lending.
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Unlock the full potential of Employee Stock Ownership Plans for funding, liquidity, M&A, and tax-advantaged succession planning.
Explore esopCommercial Real Estate
Flexible real estate funding for multifamily, industrial, retail, development, and residential investment properties.
Explore commercial real estateMerchant Processing
Competitive payment processing with next-day funding, advanced analytics, and chargeback defense.
Explore merchant processing
Capital solutions built for businesses that are ready to move today — not wait.
Your Strategic Capital Partner
Tzortzis Capital serves as a strategic capital placement partner to businesses and to individuals and groups building projects. We evaluate each transaction, identify appropriate financing sources across our network of 96+ lending partners, and guide the process from initial strategy through closing.
From short-term bridge capital to long-term growth strategies, we structure solutions around your business — not the other way around. Whether it's private credit, ESOPs, or commercial real estate, we move with purpose to support you.
Demetrios Tzortzis
Owner & Business Consultant
Acquisition Bridge Loans: Why Paying for Speed Beats Losing the Deal
A closing deadline can make short-term acquisition capital worth considering. But speed only creates value when the purchase economics, cash flow and repayment plan hold up.
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Section 179 Equipment Financing: How to Buy Before December 31 Without Draining Cash
Section 179 rewards equipment placed in service by year-end — but the deduction does not pay for the machine. Here is how established companies finance the purchase, protect working capital, and hit the deadline.
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Manufacturing Capex in Q4: Structuring Equipment Loans and Working Capital Before Year-End
Year-end equipment purchases put two demands on a manufacturer's cash at once: the machine itself and the working capital to run it. Here is how established plants split the financing — and why timing matters more than rate.
Read full articleLet's Discuss Your Capital Needs
Whether the bank is moving too slow, cutting your credit line, or you need capital for an opportunity—we're here to help structure a solution that works.
We Help When:
- The bank is moving too slow on your deal
- You need bridge capital to close a time-sensitive deal
- There's an opportunity to grow but no available capital
- You need liquidity without selling equity