Our Mission
People call JT Capital Advisors before they spend money — before the inspection, the appraisal, the earnest money, the loan application. They call because they want a straight answer to the questions that actually matter: Should I buy this business? Is this property actually a good deal? Does the broker package support the asking price? How much cash will I really need? What happens if rehab runs over budget? Should I move forward or walk away?
Founder Terry May has spent 25+ years pressure-testing opportunities for Ohio investors and business owners. The methodology is plain and repeatable — Terry's Rule: run low income, run high expenses, run high rehab, assume delays, keep real reserves. If the deal still works under those assumptions, it's worth pursuing.
Funding comes after the opportunity survives that test. When it does, JT Capital Advisors matches the deal to the right capital — hard money, DSCR, SBA, working capital, equipment financing, or business credit — through 25+ years of lender, investor, and capital-partner relationships built from a desk in downtown Cincinnati.
Ohio is home and the primary market. Nationwide reach is real — earned one referral, one repeat client, and one capital partner at a time. When you call 513-226-9052, you talk directly with founder Terry May.
Why Choose JT Capital Advisors?
Pre-Offer Pressure-Test
We get the call before the inspection, the LOI, or the earnest money — when there's still time to walk away or restructure.
Ohio-Based. Nationwide Reach.
Cincinnati HQ with deep lending relationships across OH, KY, and IN — plus nationwide funding through 25+ years of referral, repeat-client, and capital-partner relationships.
Terry's Rule
Run low income, high expenses, high rehab, assume delays, keep real reserves. If the deal still works, it's worth pursuing — and worth funding.
Direct Access to the Founder
When you call 513-226-9052, you talk directly with founder Terry May — not a queue, not a call center, not a junior rep.
Our Track Record
$500M+
Total Loans Funded
25 Years
In Business Since 2000
Nationwide
Anchored in Ohio (OH, KY & IN core market)
Our Sister Company
Signed On Time Mobile Notary
Our sister company provides professional mobile notary services throughout Southwest Ohio. Perfect for loan closings, business documents, estate planning, and all your notarization needs. Same trusted service, same phone number—just a different specialty.
Our Values
Honest Read of the Deal
We tell you what the numbers actually say — including when the answer is "walk away." Saving you from a bad deal is worth more than placing a loan on it.
Conservative Assumptions
Terry's Rule: low income, high expenses, high rehab, assume delays, real reserves. If a deal only works in a best-case spreadsheet, it doesn't really work.
Pre-Offer Conversations
The most valuable call happens before the offer, the LOI, or the earnest-money wire — while you still have every option on the table.
Direct Access
Founder Terry May answers the phone. Every deal gets evaluated by the person whose name is on the door — not handed to a junior rep.
Our Loan Programs
Funding follows evaluation. Once the opportunity holds up under Terry's Rule, we match the deal to the right capital from the programs below.