
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.


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.
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.
Joel Banes
Our Founder

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.


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.

Contact
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