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Memphis Capital

Built on the Foundation of Fixed Income Products

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What Makes Us Different?

Memphis Capital customizes its strategies to navigate the risks and rewards of loans

Our Strategists work to enable our investors to make informed decisions based on market conditions

The buying and selling of loans are aligned with investor’s financial goals

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Our Mission is Simple:

Curated and Tested for Proven Performance.

Our Goal:

Our goal is to understand client objectives and market outlook, provide strategic, risk-aligned solutions, and continuously monitor the portfolio mix to stay on course.

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Memphis Capital, an SBA-approved Pool Assembler, specializes in trading SBA and USDA government-guaranteed loan portions, commercial, residential, consumer, and specialty loans. Our expertise includes assisting clients with loan purchases, sales, analytics, risk analysis, and forecasting.

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Why Choose Memphis Capital?

​Financial Expertise

Memphis Capital blends years of expertise with a well-rounded, cutting-edge approach to offer comprehensive analysis and recommendations on a range of loan investments and funding options. Our goal is to empower clients by providing the insights they need to select the optimal mix, minimizing risk while maximizing potential rewards.

Diverse Portfolio Options

Our team begins by assessing the client's existing structure and market perspective to offer secondary market solutions, including loan sales and funding options, that align with their goals and outlook.

Analytics

Long-term experience helps develop a deep understanding of patterns, strategies, and decision-making processes, which, combined with modern tools and data, creates a strong foundation for future predictions. The ability to blend historical performance with current tech gives a competitive edge, especially when navigating different market scenarios.
Why Choose Us

Our Services

Whole Loan Trading

We connect our partners with the best possible loans that fit their investment strategies.

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SBA / USDA Guaranteed Loan Portions 

We specialize in trading guaranteed loan portions of SBA/USDA loans, which provides a secure way to invest.

Fixed Income Trading

Mortgage-backed securities, municipal bonds, CMO’s and other low-risk, fixed income instruments provide low transaction costs and regular income for our partners.

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  Broker Dealer

Memphis Capital is the intermediary between buyers and sellers, offering investment products like fixed-income securities to generate returns.

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Joel Banes

Our Founder

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Joel Banes, a native Memphian, founded Memphis Capital Group in 2006 with a wealth of experience in SBA and USDA loans. As the President and CEO, Joel leads the firm from its headquarters in Memphis, Tennessee, continuing his deep-rooted entrepreneurial spirit.

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Under his leadership, Memphis Capital has built a reputation for helping banks and credit unions identify quality investment opportunities. Joel’s dedication to integrity, trust, responsibility, and stewardship remains at the core of the firm’s philosophy, values that never go out of style.

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Memphis Capital’s long-standing success and strong client relationships are a direct reflection of Joel’s unwavering commitment to delivering exceptional results while fostering meaningful partnerships.

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Teamwork drives our mission to leverage our experience and use of our analytic tools to deliver high quality investments to our investors and clients. 

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Memphis Capital has partnered with several analytics companies which we have combined with our technology to create unique reports.

Let Memphis Capital show you an investment model for your bank, credit union, or family office.

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Contact

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Contact us by Phone

901-261-5920

Ask for Holly Ralls

Mon-Fri, 8:00am - 4:30pm (CST)

Contact us by Mail

Please email us with questions or services you need. We will have a knowledgeable team member get back to you. 

6410 Poplar Avenue, Suite 500

Memphis, Tennessee 38119

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