TOM & COMPANY LLC is a direct business lender serving companies across Texas and the Southwest. Based in El Paso, we bring the clarity and decisiveness of our high-desert home to every funding decision we make.
We're not a bank. We're not a broker. We're a direct lender that makes our own credit decisions, structures our own terms, and funds our own deals. That means faster answers, more flexibility, and a single point of contact from application to funding.
Business financing shouldn't take weeks of back-and-forth with multiple parties. We evaluate every application within 24 hours, provide clear terms with no hidden fees, and deliver funding when you need it—not when a bureaucratic process decides to move forward.
Most business owners have dealt with frustrating lending experiences: opaque terms, slow decisions, bait-and-switch rates, or brokers who disappear after collecting a fee. We built TOM & COMPANY to be the opposite.
Direct decisions. You speak with the people who evaluate and approve your application. No layers, no runaround.
Transparent terms. Every rate, fee, and repayment detail is explained upfront in plain language. We don't bury surprises in fine print.
Flexible structures. We understand cash flow varies. Our revenue-based financing options adjust to your sales cycle, not the other way around.
Local expertise, national reach. We know the El Paso and Southwest business landscape, but we work with companies across the country through our network of regional partners.
Clear communication, honest terms, and commitments we keep. No surprises.
24-hour decisions because opportunities don't wait for bureaucracy.
We succeed when your business grows. We're aligned with your success.
We work with established businesses generating at least $250,000 in annual revenue. Our typical clients include:
If you're generating consistent revenue and looking for a financing partner that moves as fast as you do, we should talk.
Ready to experience direct lending done right? Get a funding decision in 24 hours.
Contact Us Today