Terrell Capital Referral – Founder’s Statement, “unencumbered by outside pressures. We win, when we all win.

Bruce Terrell, Founder & President at Terrell Capital Referral, we are a collaborative placement firm specializing in growth capital and strategic finance through the diverse and powerful asset based and private credit asset classes now the third-largest market globally.

Our mission is to provide customized capital solutions for small to lower middle market working class family owned community companies and commercial real estate (CRE) owners portfolio value of 50mm > < 500mm > value (TBD case by case).

There is a substantial pool of well-managed, high-quality businesses that remain underserved by both banks and private credit providers. Current market dynamics have made access to capital increasingly difficult for entrepreneurs and small to mid-sized companies our core target market of privately held, non-sponsored borrowers.

Capital is scarce and costly for a large segment of U.S. businesses. There are roughly 240,000 unsponsored companies generating $10M > $1B in annual earnings—a pool largely overlooked by traditional private equity. This represents a prime opportunity for direct lenders and alternative capital providers seeking attractive yield and proprietary deal flow.

These companies are economic powerhouses, employing 50 million Americans about one third of the workforce and yet two-thirds of employees live paycheck to paycheck, highlighting the critical need for accessible, flexible capital.

We are dedicated to supporting working-class individuals and communities. This commitment is essential not only for excellence in credit origination and placement but also for building collaborative lending partnerships and sponsor relationships that strengthen and sustain family-owned, small working community companies, both domestically and internationally.

Company Revenue Target Margins: $2 mm > 5 mm <$50 mm / Profits: $2 mm> <$30 mm > lower mid (TBD case by case basis.) EBITDA Margin: 10% > 20% of revenue.

Our Core Role:
TCR Intermediaries source and match deals that align with the goals of both counter parties.

Key Functions:

• Identifying and qualifying potential borrowers on investment opportunities
• Introducing clients through collaboration to capital providers private lenders, funds, or institutions
• Assisting in communicating deal structuring, term negotiation, and closing coordination
• Maintaining confidentiality and ensuring compliance throughout the process

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What We Do

TCR collaboration team , facilitate, and connect the critical bridge of communication between:

• Private investors and private small family owned companies
• Private equity firms and emerging sponsors
• Commercial real estate owners – developers and private lenders
• Small Business owners and private financing

Our role as intermediary brokers is to source and structure opportunities that drive strategic value and long-term growth. We help businesses secure flexible private loans, equity co-investments, and other bespoke capital structures, especially when traditional banking options fall short.

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Who We Serve We work with:

• Small and lower market companies
• Commercial real estate developers and owners
• Growth-stage businesses seeking non-bank capital
• Sponsors and investors targeting value-add opportunities
• Distressed or non-conforming corporate situations

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we offer:

Special Situations:

• Distressed or time-sensitive closings
• Structured debt solutions for turnaround or recap
• Syndicated loan and note acquisitions (secondary market)

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Our Approach

Our team takes a deliberate and differentiated approach to sourcing and evaluating sponsor relationships. We focus on those who seek value-added capital partners—not just funding, but strategic alignment. Our collaboration team stands out through:

• Fast and effective sponsor introductions
• Deep evaluation of complex financial needs
• Creative structuring of debt and equity capital stacks

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Why Terrell Capital Referral?

Access to capital remains one of the biggest barriers for small businesses and CRE owners. We’re here to change that.

• We are not brokers. We are strategic connectors.
• We don’t just source capital—we shape it.
• We are not transactional—we’re transformational.

We believe in relationships over transactions, offering guidance, capital, and support throughout all stages of business growth. Our investor network is ready to sponsor your vision with partners who understand what it takes to scale.