Capital for Ohio operators
from Lake Erie to the Ohio River.

Ohio runs one of the most diversified economies in the United States and a uniquely concentrated manufacturing and healthcare complex. The state is the third-largest US manufacturing state by output, anchored by an auto-and-parts supplier base that runs from Toledo through Lordstown, Marysville, and Lima; a polymer and rubber cluster around Akron; a fabricated-metal and machinery belt that stretches from Cleveland into the Mahoning Valley; and an aerospace-and-defense complex around Dayton anchored by Wright-Patterson Air Force Base. Layered on top: the Cleveland Clinic and Nationwide Children's anchoring a healthcare economy of national scale, a Columbus insurance and financial-services hub built around Nationwide and Huntington, the P&G consumer-goods complex in Cincinnati, and a logistics network anchored by the Rickenbacker Inland Port and the rail crossroads at Columbus. Banks, by structure, struggle to move at the pace Ohio operators need. Goliath was built to.

Our Ohio pipeline reaches every region of the state. Central Ohio brings us the densest deal flow — Columbus across the Short North, German Village, Easton, Polaris, Grandview, Dublin, Westerville, and Worthington, and out through Franklin, Delaware, Licking, and Fairfield counties. Northeast Ohio covers downtown Cleveland, Ohio City, Tremont, University Circle, the eastern suburbs through Beachwood and Solon, and the western corridor through Lakewood and Rocky River. Southwest Ohio anchors on Cincinnati through Over-the-Rhine, downtown, the Banks, Hyde Park, Mason, and West Chester. Northwest Ohio anchors on Toledo and the I-75 manufacturing belt. The Dayton corridor delivers aerospace, defense, and advanced-manufacturing deal flow. Akron, Canton, Youngstown, and the Mahoning Valley round out our northeast book.

The bank-lending coverage gap in Ohio

Despite hosting major national banks and one of the deepest community-bank networks in the Midwest, Ohio has a wider small-business credit gap than people expect. Community-bank consolidation has thinned the lender field in the Mahoning Valley and Appalachian regions, and the surviving regional and national institutions structurally favor commercial real estate, large corporate lending, and high-net-worth lending over the $50K to $500K working-capital tickets that Ohio small businesses actually need. The result: a Toledo Tier-2 auto supplier, a Dayton aerospace machine shop, a Short North restaurant group, a Beachwood medical practice — strong, deposit-rich businesses — frequently cannot get a timely yes from a bank. We fill that gap.

We are deposit-based underwriters. We read your four most recent months of business bank statements, your ledger, and how you actually operate the company. We do not require two years of tax returns, audited financials, or a 720 FICO. That approach is well-matched to the Ohio mix because it accommodates the cash-heavy Findlay diner, the receivable-heavy Cleveland contract manufacturer, the card-heavy Mason retail concept, and the project-based Cincinnati commercial contractor on the same underwriting bench. We routinely fund operators in their first year as long as deposit patterns support the offer.

The Ohio industry mix, the way we see it

Manufacturing anchors our Ohio book — auto parts and assembly across the I-75 corridor, machinery and fabricated metal through Cleveland and the Mahoning Valley, polymers and rubber out of Akron, and aerospace-and-defense suppliers around Dayton-Wright-Patterson. Healthcare is the second pillar, concentrated around the Cleveland Clinic, Nationwide Children's, OhioHealth, the Christ Hospital, and Mercy Health systems and the deep web of practices in their orbit. Insurance and financial services in Columbus, consumer-goods and chemicals out of P&G's Cincinnati base, logistics tied to Rickenbacker and the Columbus inland-port, restaurants and hospitality, construction, and western-Ohio agriculture round out the top of the pipeline.

Ohio is best understood as three big metros — Columbus, Cleveland, Cincinnati — plus a set of distinct regional industrial economies running along the I-75, I-71, and I-80/90 corridors. Below is how the major metros break down in our book.

Columbus

Columbus is the dominant single Ohio market in our book and the fastest-growing major metro in the Midwest. Industry mix runs from insurance and financial services anchored by Nationwide, Huntington, and Grange, to logistics tied to Rickenbacker International Airport and the Columbus inland-port complex, to a deep healthcare economy anchored by OhioHealth, Nationwide Children's, and Wexner Medical Center, to a meaningful and growing tech and research base tied to Ohio State and the Intel fab build-out in Licking County. We fund operators across the Short North, German Village, Grandview, Polaris, Easton, Dublin, Westerville, Worthington, and out through Franklin, Delaware, Licking, and Fairfield counties.

Cleveland

Cleveland anchors Northeast Ohio and brings us one of the most concentrated healthcare deal flows in the country — the Cleveland Clinic, University Hospitals, and MetroHealth headline an enormous ecosystem of independent practices, diagnostic operators, and medical-services contractors. The manufacturing base across Cuyahoga, Lorain, and Lake counties produces fabricated metal, machinery, and chemicals at scale. We fund operators through downtown, Ohio City, Tremont, University Circle, the eastern suburbs from Beachwood through Solon, and the western corridor through Lakewood and Rocky River.

Cincinnati

Cincinnati anchors Southwest Ohio and a tri-state economy spanning Ohio, Kentucky, and Indiana. Procter & Gamble's global headquarters anchors a consumer-goods and chemicals ecosystem, and Kroger's headquarters anchors a deep grocery and consumer-services network. Manufacturing, food and beverage, and logistics tied to the CVG cargo hub round out the base. We fund operators across Over-the-Rhine, downtown, the Banks, Hyde Park, Oakley, Mason, West Chester, and out into Warren and Butler counties.

Toledo

Toledo anchors Northwest Ohio and one of the densest auto-and-parts supplier corridors in the country, built around the Jeep Wrangler/Gladiator assembly plant and the broader I-75 supplier network. The metro also delivers a steady glass-manufacturing heritage (Owens-Illinois, Owens Corning), a Lake Erie tourism economy, and a meaningful contractor and healthcare book through Lucas and Wood counties.

Dayton

Dayton anchors a unique aerospace-and-defense complex built around Wright-Patterson Air Force Base — one of the largest single Air Force installations in the country — and the contractor ecosystem that feeds it. We fund machine shops, aerospace-component suppliers, IT and engineering services contractors, and the long tail of construction and service businesses orbiting the base. The metro also delivers a growing advanced-manufacturing book through Montgomery and Greene counties.

Akron

Akron anchors the historical rubber-and-polymer capital of the country and remains one of the largest polymer-research and specialty-chemicals concentrations in the United States. We fund polymer and chemical operators, specialty-manufacturing shops, and the deep base of contractor, healthcare, and restaurant operators across Summit and Stark counties — including Canton just south on I-77.