Spencer Thomas

Founder, Thomas Capital Holdings | Capital Advisory, Debt & Equity for Real Estate Operators Founder of Thomas Capital Holdings (TCH), a capital advisory firm for real estate operators and sponsors. Former private banker with nearly two decades in private banking, lending, and real estate investing. $1B+ in debt and equity closed across 1,000+ transactions. We design the capital, then we get it closed. Operators come to TCH when a single bank or lender is not the answer: senior debt (DSCR, bridge, construction, agency/HUD, commercial refi); structured capital (second position and gap, pref equity, JV equity where a lender or partner allows it); and capital stack strategy (refi vs. sale, recapitalizations, buyouts, raise readiness). Placement is executed through DealRail, our commercial loan brokerage. Broker, not a direct lender. Business purpose loans only, nationwide. Based in Pompano Beach, FL, working nationwide. I am here on BiggerPockets to answer financing and capital stack questions, learn what lenders and equity partners are actually funding right now, and connect with operators working on real deals. If you are stuck on a deal's capital stack, connect with me and tell me the numbers: purchase or value, what is already in place, and what gap you are trying to solve.