Tommy Titus, President

Capital strategy beyond the credit box.

The Titus Group sources and structures specialty financing for the deals banks refer out, the businesses bankers can't fully serve in-house, the owners who reach out directly when their banker isn't getting it done, and the projects economic developers need to bring home.

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7 products
Tailored financing structures
Nationwide
Lender & partner network
3 audiences
Commercial Lenders · Commercial Businesses · Economic Developers
Bank referral partner — never a competitor Specialty financing placed across a national lender network Discreet, principal-led process
Services

Seven structures. One disciplined process.

Most companies don't need a single product — they need a thoughtful combination, placed with a lender that understands the cash-flow story. Below are the financing structures we source, structure, and place every day.

01

AR Financing

Factoring · AR Lines · Asset-Based

Convert accounts receivable into immediate working capital through factoring or a revolving AR line of credit. Useful when the business is growing faster than collections, when bank covenants restrict additional senior debt, or when receivables concentration scares a traditional lender.

Best for B2B companies with creditworthy customers, slow-pay industries (staffing, transportation, manufacturing, government contracting), and businesses outgrowing their bank line.
02

Working Capital

Term · Lines · Hybrid Structures

Senior debt and asset-based lines designed to fund inventory builds, seasonal swings, payroll cycles, and growth investment. We start with the use of proceeds, then place the request with the lender best suited to the company's profile and timing.

Best for Profitable operating companies with clear collateral, seasonal businesses, and growth-stage firms preparing for a step-change in volume.
03

Business Acquisitions

Senior Debt · SBA-Eligible · Seller Notes

Capital structured around the cash flow you're buying — not the personal balance sheet of the buyer. We work with first-time and second-time owners, family-office buyers, and partners on management buyouts, sourcing senior debt (often SBA-eligible) and structuring seller-financed components when the deal calls for it.

Best for Owner transitions, single-target acquisitions, and management buyouts with reliable EBITDA and a clear operating plan.
04

Equipment Financing

Loans · Leases · Refinance

Term loans, capital leases, and operating leases for new and used equipment. We work across titled and non-titled assets and source the right structure from a network of equipment-finance lenders — matched to the asset, the industry, and the credit profile.

Best for Manufacturers, fleet operators, construction, medical and dental practices, food and beverage producers, and any business with a meaningful equipment line item.
05

Owner-Occupied CRE

Acquisition · Construction · Refinance

Financing for the building your business operates from — purchase, ground-up construction, expansion, and refinance. Often paired with SBA 7(a) or 504 to optimize down payment, term, and rate. We bring the deal to the lenders most likely to win it and stay close to the file through close.

Best for Owner-operators outgrowing a lease, businesses with predictable occupancy needs, and partnerships looking to consolidate real estate ownership outside the operating entity.
06

Franchise Financing

First-Unit · Multi-Unit · Remodel

Capital for first-unit franchisees, multi-unit operators expanding their territory, and existing franchisees executing brand-mandated remodels. We work within franchisor financial requirements and approved-brand registries to keep approvals on track.

Best for Approved-brand franchisees, area developers with multi-year build commitments, and operators recapitalizing mature units to fund new ones.
07

Restructure Existing Debt

Refi · Consolidation · Covenant Relief

Consolidate fragmented obligations, extend amortization, free up working capital, or replace expensive short-term capital with appropriate long-term structures. Often the highest-leverage engagement we run — repricing the stack can change the business's whole trajectory.

Best for Companies carrying multiple short-term loans, MCAs, or covenant-tight credits that have outlived their usefulness — and bankers looking to recover a relationship that's drifted out of policy.
Who We Serve

The connective tissue between capital and consequence.

Three audiences, one shared expectation: that a financing partner protects the relationship, communicates clearly, and gets the deal funded. Here's how we work with each.

01

For Commercial Lenders

Keep the depository, treasury, and primary relationship. We place what your credit box can't — and refer the client right back to you.

Every banker has clients they like, that they want to keep, and that they simply cannot fully serve in-house. Maybe the leverage is too high. Maybe the cash flow story is too new. Maybe the collateral concentration trips a policy line. Sending those clients to a competitor is a slow leak on the deposit base.

We're built to be the alternative. The Titus Group sources and structures the credit your client needs, keeps the operating relationship at your bank, and brings the client back to you when their profile graduates.

How we work alongside you

  • We can stay completely behind the scenes, or work openly alongside you in front of the client — your call. Your client never wonders who's running the process.
  • We share term-sheet ranges before the client sees them, so there are no surprises in your branch.
  • We protect the relationship — never solicit deposits, treasury, or other in-bank products.
  • We're paid by the funding lender, not by you or your client — typically by SBA lenders, factoring companies, and specialty finance partners that compensate originators. Commercial bank placements generally don't carry a referral fee, and we'll be upfront about which side of that line a deal falls on.
Open a referral conversation
02

For Commercial Businesses

One conversation instead of ten. We diagnose what you actually need — not what a single lender happens to sell.

If you've shopped a deal before, you know how it goes. You explain the business to one banker, then another, then a broker who shops it to twenty more. You spend weeks educating people who'll never fund the loan. Term sheets arrive with covenants that won't survive the first quarter.

We do it differently. One intake call. A clear read on whether we can help. Then a focused process — two or three lenders, the ones most likely to win it — instead of a wide auction that erodes pricing leverage and your patience.

What you get

  • A principal in every conversation — never a junior pushed onto your account.
  • Honest feedback before terms are circulated. If a structure won't hold up, we say so.
  • Coordination through diligence, docs, and funding — and we stay reachable after close.
  • Transparent fee economics. We're typically paid by the funding lender, not by you — and we'll be upfront about that before any term sheet is signed.
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03

For Economic Developers

A quiet financing resource you can tap when a local project needs capital that doesn't fit a single bank's box. We work behind the scenes — your office stays in front.

Most economic-development projects live or die by the capital stack. When a local employer is expanding, an out-of-market operator is sizing up your region, or an owner is navigating a transition that affects local jobs, the financing details often determine whether the project actually happens.

We're a discreet resource you can refer those situations to. We don't take a public role, we don't speak to the press, and we don't compete with the lenders already in your region. We simply help the borrower find the right structure — so a stalled deal has a path forward and your office can keep doing what it does best.

How we work with your office

  • A confidential introduction for the borrower — your involvement stays at whatever level you choose.
  • Lender relationships across SBA, factoring, equipment finance, and specialty commercial credit.
  • Honest read on financeability before a project gets too far down the road.
  • Strict discretion. We work behind the scenes; your office stays the public face of the project.
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Our Premise

Most deals don't fail on credit. They fail on fit.

A surprising number of good businesses get a "no" — not because the credit isn't there, but because the deal landed at the wrong lender. The collateral profile doesn't match. The industry isn't on the appetite list. The size is below the bank's threshold or above the specialty lender's comfort zone.

The Titus Group exists in the space between those misalignments. We spend our time understanding the borrower deeply enough to translate the story into the structure each lender needs to hear — and then bringing it to the small handful most likely to win it.

We are deliberately small, deliberately senior, and deliberately quiet. Reputation is the only currency that compounds in this business.

The Principal

Meet Tommy Titus.

The Titus Group is built around one principal. Every conversation, every term sheet review, and every introduction to a lender comes from the same person. That deliberate small footprint is the product.

Several years ago, I was asked to visit a local family-run business. They had been turned down for capital by every lender they had approached. After several weeks of working through how to find a solution — and structuring something that would actually hold — we sat down at the closing table. The business owner began to cry. "Tommy," he said, "not only have you saved my business, you have saved my family."

That is Tommy Titus. He will turn over every stone to meet your challenges — even the hardest of them.

Background

Over 40 years helping small and mid-sized businesses, with relationships built across some of the best lenders and specialty finance companies in the country — the partners who help solve the everyday problems every business runs into at one point or another.

Areas of focus

  • AR Financing
  • SBA 7(a) — working capital, CRE, equipment, debt refinance
  • SBA 504
  • Owner-Occupied CRE
  • Restructure Existing Debt
Our Process

From introduction to funded.

A disciplined sequence keeps deals moving and protects everyone's reputation. Most engagements move from intro to term sheet in a matter of weeks, not months — and we communicate clearly the whole way through.

01 · Listen

Intake conversation

A focused 30-minute call. Business model, use of proceeds, what's been tried, what's been ruled out. We leave the call with a clear read on whether we can help.

02 · Diagnose

Structure the ask

We map the right combination — collateral, covenants, pricing, timing — to the actual cash-flow story. The story you tell lenders is the story we help you write.

03 · Place

Targeted outreach

We bring the deal to the two or three lenders most likely to win it. Not a wide auction. Each conversation is qualified before terms are circulated.

04 · Close

Diligence to funding

We stay in the deal through underwriting, legal, and closing — and remain a resource long after, including future rounds and graduations back to the bank.

How We Work

What we will and won't do.

Reputation is built one decision at a time. Here are a few we've already made.

01

Senior people, every call

You'll talk to a principal from the first conversation through funding. Junior staff don't get handed your relationship.

02

Honest read, fast

If we don't think we can help, you'll hear it on day one — often with a referral to someone who can.

03

Discreet by default

We work behind the scenes. White-label, co-brand, or stay invisible — your call, every time.

04

Transparent economics

Our compensation comes from the funding lender — primarily SBA, factoring, and specialty finance partners. You always know who's paying us and why, and we won't promise a fee structure we can't deliver.

FAQ

Common questions, answered straight.

What people usually want to know before the first call. If yours isn't here, ask it on the form below — we'll answer plainly.

Do you charge me a fee?

In most cases, no. Our compensation comes from the funding lender — primarily SBA lenders, factoring companies, and specialty finance partners that pay referral fees. Commercial bank placements generally don't carry a fee, and where a deal sits on that line we'll tell you upfront before any term sheet is signed.

How long does the process take?

It depends on the structure. Factoring and AR lines can fund in two to three weeks. Working capital and equipment placements typically run thirty to sixty days. SBA-backed acquisitions and owner-occupied CRE generally take sixty to ninety days through close. We'll set a realistic timeline on the intake call.

What's your minimum deal size?

We'll have a conversation about almost anything. Practically, the structures we work with are most efficient above a certain threshold — if your need is well below that, we'll often refer you to a lender who can serve it directly rather than wedge it into a process that won't pay off for either of us.

If my banker referred me, will my bank stay involved?

Yes — that's the point. We're built to be a referral partner, not a competitor. Your operating relationship, deposits, and treasury stay where they are. If your profile graduates back into your bank's credit box, we tell you, and we tell your banker.

How is this different from working with a broker?

Most brokers run wide auctions — shop the deal to twenty lenders, take the first decent term sheet. We do the opposite. One intake call to understand the situation, a focused short list of two or three lenders most likely to win it, and a senior principal in every conversation. Less noise, less pricing erosion, and a relationship that lasts past the close.

What happens to my information?

Everything you share stays confidential. We don't shop your financials around the market. Lenders only see what they need to see, after we've qualified the conversation, and we never share details with any third party without your written consent.

Contact

Tell us the situation. We respond within one business day.

Whether you're a banker with a client who needs a structure your bank can't provide, an owner navigating an acquisition or growth event, or an economic developer working a project that needs to close — start here.

Share a few details about the situation. The more context you can give, the faster and sharper our response will be. All submissions are confidential.

Anything you wouldn't say in front of a stranger is safe to leave out — we'll cover the rest on a call.
By submitting, you agree to a confidential conversation. We won't share details with any third party without your written consent.