A Division of Thomas & Company Group
Thomas & Company Capital
Real Estate Financing.
One Relationship. Start to Finish.
Investor financing for business-purpose, non-owner-occupied properties in 44 states. Work directly with O.T. Thomas, your file handled start to finish.
44
States Served
4
Loan Programs
1
Point of Contact
1 Day
Response Time
Loan Programs
Our Loan Programs
Fix & Flip
Short-term financing for investors who buy, renovate, and resell. Your file is structured around the purchase, the rehab budget, and the exit.
[TERMS PLACEHOLDER]
Long-Term Rental / DSCR
Our rental loan programs look at the property's income, built for buy-and-hold investors. Designed for landlords growing a portfolio one door at a time.
[TERMS PLACEHOLDER]
Multifamily (Short & Long Term)
Short-term and long-term options for multifamily properties, whether you are stabilizing or holding. One relationship from acquisition through the long-term hold.
[TERMS PLACEHOLDER]
Ground-Up / New Construction
Financing for investors building new from the ground up. Your file is structured around the plans, the budget, and the build timeline.
[TERMS PLACEHOLDER]
The Process
How We Work
Tell us about the deal
Share the property, the numbers, and your exit strategy in one conversation.
We structure and package your file
We organize your documents and present your deal in its strongest, most complete form.
Close with one point of contact
O.T. Thomas stays with your file from the first call to the closing table.
Who We Serve
Built for Investors
Our loan programs are available for business-purpose, non-owner-occupied properties in 44 states.
- Real estate investors
- Fix & flip investors
- Landlords and buy-and-hold investors
- Wholesalers transitioning to buy-and-hold
- Out-of-state investors buying where the numbers work
Sister Service
Thomas & Company Real Estate
Looking for your next deal? Through reverse wholesaling, Thomas & Company Real Estate sources properties matched to what you buy, giving Capital clients a steady line of deal flow to pair with their financing.
Visit Thomas & Company Real Estate
Your Point of Contact
O.T. Thomas
O.T. Thomas leads Thomas & Company Capital. He brings over seven years in business credit and finance, and as an active real estate investor himself, he understands a deal from the investor’s side of the table.
Based in Birmingham, Alabama, O.T. works directly with every client. One relationship, from the first call to the closing table.
Start Your File
Tell us about the deal. Fields marked * are required.
Thomas & Company Capital arranges financing for business-purpose, non-owner-occupied real estate. All credit decisions, approvals, and funding are made by the lender. We do not guarantee approval, rates, terms, or closing timelines. Terms and eligibility are subject to lender review and may change without notice. Thomas & Company Capital may be compensated on closed loans. Not available in all states.
Contact
4000 Eagle Point Corporate Drive
Birmingham, AL 35242
Thomas & Company Capital
A Division of Thomas & Company Group
Thomas & Company Capital arranges financing for business-purpose, non-owner-occupied real estate. All credit decisions, approvals, and funding are made by the lender. We do not guarantee approval, rates, terms, or closing timelines. Terms and eligibility are subject to lender review and may change without notice. Thomas & Company Capital may be compensated on closed loans. Not available in all states.