A Division of Thomas & Company Group
Thomas & Company Capital
Investor Funding · Off-Market Real Estate · Surplus Recovery.
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
6
Markets Sourced
1
Point of Contact
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 provided on request.
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 provided on request.
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 provided on request.
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 provided on request.
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
Off-Market
Off-Market Properties for Investors
Tell us your buy box — market, price range, property type, condition, and exit strategy — and we source off-market properties that fit it. Active markets: Birmingham, Huntsville, Montgomery, Nashville, Atlanta, and Chicago. Funding partners available for every deal we bring you.
Submit Your Buy Box
Fields marked * are required.
Thomas & Company Capital LLC is a real estate investment company, not a licensed real estate brokerage. We purchase and assign our own contractual interests in properties and do not represent buyers or sellers. No specific properties are advertised on this site.
For Former Property Owners
Foreclosure Surplus Recovery
When a foreclosure auction sells for more than what was owed, the excess may belong to the former property owner. We help former owners locate those funds and handle the paperwork to reclaim them.
Surplus recovery services are subject to state law and a written agreement. No fee is charged unless funds are recovered.
Your Point of Contact
O.T. Thomas
O.T. Thomas leads Thomas & Company Capital. He brings over ten 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. Thomas & Company Capital LLC is a real estate investment company, not a licensed real estate brokerage, and does not represent buyers or sellers.
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. Thomas & Company Capital LLC is a real estate investment company, not a licensed real estate brokerage, and does not represent buyers or sellers.