Capital Advisors
Terrell Virgil
We help businesses and investors secure the right funding with expert guidance and personalized support.
Terrell Virgil
Chief Executive Officer, Managing Partner
Terrell Virgil leads Tier-1 Capital Advisors with a proven track record in securing strategic, customized funding solutions.
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My Journey in Lending
Terrell Virgil is the Founder and CEO of Tier-1 Capital Advisors, bringing over 24 years of experience in commercial banking and capital markets. Throughout his career, he has helped businesses across industries secure the financing needed to scale, restructure, and thrive closing over $1 billion in transactions to date. His portfolio includes complex, high-stakes deals such as a $250 million energy sector acquisition, underscoring his expertise in structuring sophisticated capital solutions and navigating dynamic market environments.
Leadership Experience
Terrell is widely regarded for his strategic insight, client advocacy, and ability to deliver results that exceed expectations. He has served in executive and leadership roles across the banking industry from national institutions to community banks and has been a consistent top-performing individual contributor at the national level.
Areas of Expertise
Terrell Virgil brings a deep and versatile background in full-service commercial financing, with a proven track record supporting mid-sized enterprises ($50MM+) through to large corporate clients ($5B+). His expertise spans operating lines, revolvers, acquisition financing, SBA 504 and 7(a) programs, equipment financing, asset-based lending, mezzanine structures, and syndicated credit facilities. Terrell is recognized for his strategic command of capital markets, his ability to structure and execute complex, multi-layered transactions, and his commitment to delivering tailored funding solutions that drive growth, liquidity, and long-term value.
Capital Relationships
Terrell Virgil maintains deep, strategic relationships across the capital landscape including national and regional banks, private credit funds, CMBS originators, and niche lending platforms. He is also partnered with one of the nation’s top FHA, Fannie Mae, and Freddie Mac multifamily originators, further expanding his ability to deliver competitive, agency-backed solutions for stabilized and affordable housing assets. With a reputation for precision, speed, and deal execution, Terrell is uniquely positioned to lead in the brokerage industry bridging institutional capital with the nuanced needs of mid-market and corporate clients nationwide.
Where I Am Now
Terrell Virgil divides his time between Northern California and San Diego, actively expanding Tier-1 Capital Advisors’ national footprint and deepening its reach across key markets. Under his leadership, Tier-1 delivers high-impact lending solutions backed by institutional-grade expertise and a relationship-first approach. Terrell remains committed to smart, strategic financing empowering clients to move forward with clarity, confidence, and long-term vision.