Tzortzis Capital: When Banks Say No, They Say Yes

Mark Smiley • April 15, 2025

Tzortzis Capital: When Banks Say No, They Say Yes

When traditional lenders say no, Tzortzis Capital steps in. With fast responses and no need for an existing banking relationship, Tzortzis Capital provides the capital you need to keep your business moving forward without delays. Tzortzis Capital was founded by Demetrios Tzortzis a little over one year ago as a private credit business that helps businesses doing $1 million in sales or more with access to capital.



“Unlike traditional lenders, Tzortzis Capital takes a more creative and flexible approach to private credit,” said Demetrios Tzortzis, founder of Tzortzis Capital. “As a direct partner of a Family Office in Parker, CO, we specialize in structuring financing solutions tailored to a wide range of business needs. Essentially, we can provide everything a bank does — plus the solutions they won’t or can’t offer.”


Demetrios Tzortzis is a native Coloradan who grew up in Aurora. He has been a part of the Glendale community for years as an active member of the Greek Orthodox church. He joined the Chamber in early March to become even more active. “I joined the Chamber because I found a few people that I conne

cted with fairly quickly and we were able to collaborate,” said Tzortzis. “When I went to the Glendale Chamber events I found more of a sense of camaraderie and community.”


Tzortzis Capital focuses on established and growing businesses rather than start-ups, offering working capital, bridge loans, lines of credit, equipment and inventory financing, accounts receivable funding, PO’s and Contracts, litigation funding, commercial real estate financing (retail, multi-family, industrial, land, and more), and acquisitions through Employee Stock Ownership Plans (ESOPs). “We typically work with businesses generating $1 million plus in revenue, with a sweet spot between $10 million and $25 million, though Tzortzis Capital has successfully funded deals up to $2.2 billion,” said Tzortzis.


An ESOP offers business owners a unique oppo


rtunity to provide employees with an ownership stake in their company. At its core, an ESOP is a benefit plan designed to transition company ownership to its employees, gradually or entirely, through a trust that holds shares for employees. ESOPs have become popular tools for businesses looking to enhance employee engagement, access liquidity, and even facilitate mergers or acquisitions. “When you convert into an ESOP in Colorado you get up to the equivalent of your yearly revenue in the first year tax-free so we take all that money and we put it back into the loan,” said Tzortzis.


Tzortzis sees many businesses being pushed to SBA loans, and as he describes it, this can be confining. “Their requirements are very stringent,” said Tzortzis. “You basically have to put up your house, your car, your cat, your dog. And a lot of business owners who are looking for money don’t want to go that route. So we offer an alternative to that.”

f a business has trouble getting a loan from their bank, working with Tzortzis Capital allows them to continue banking where they are comfortable. “Going to another bank is a very cumbersome process for a lot of businesses,” said Tzortzis “They’ve established relationships with their bank, they have maybe other accounts there, they don’t want to move their bank just to get a loan. So they could come to us and get access to whatever they need in essence and, get it pretty quickly.”

“We could take second or third position on loans as well,” said Tzortzis. “Where a business may already have a loan with a bank, we could come in and do some consolidation. It just depends on the loan and how 

much is outstanding. But typically we’ll come in behind a loan and offer a secondary loan behind it.”

For more infor­ma­tion, visit www.TzortzisCap.com or call 720-339-3808 You may also email Tzortzis at dt@TzortzisCapital.com.

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