Ep068: Beyond Banking Silos with Randy Gartz

Ep068: Beyond Banking Silos with Randy Gartz

From The IC-DISC Show by David Spray

October 22, 2025 · 34 min

About this episode

David Spray interviews Randy Gartz about bridging the gap between growing companies and financing through specialized capital advisory.

In this episode of the IC-DISC Show, I sit down with Randy from Trinity Bay Capital to talk about how specialized capital advisory bridges the gap between growing companies and the financing they actually need. Randy spent 17 years in traditional banking at First City and other institutions before moving into capital finance in the mid-1990s. His transition came from frustration with banking silos that prevented common-sense solutions for growing companies. After traveling extensively as a capital finance professional and later serving as president of a bank, he launched Trinity Bay Capital to help companies access everything from asset-based lending to purchase order financing. His approach differs from typical brokers because he pre-qualifies deals using his banking expertise, then targets just three carefully selected lenders rather than shotgunning dozens of institutions. What makes Randy's work compelling is how often he solves problems without charging fees. One client I referred received three competitive term sheets that gave him leverage to renegotiate with his existing bank, getting everything he wanted at no cost. Randy's focus on matching companies with conventional…

People in this episode

Host: David Spray

Guest: Randy Gartz

Topics covered

  • capital advisory
  • financing solutions
  • banking silos
  • entrepreneurship
  • asset-based lending

Keywords

  • capital finance
  • banking
  • financing
  • entrepreneurship
  • asset-based lending
  • purchase order financing
  • client outcomes

Mentioned in this episode

Organizations: Trinity Bay Capital, First City

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