Randy Gartz
Special guest
After 40 years of working for commercial conventional, capital finance, equity and mezzanine industries, I have started my own company by the name of Trinity Bay Capital f/k/a Path Forward Capital, LLC. I am working as a financial adviser and consultant, helping companies locate financial resources with the best fit for the company rather than the financial source.
I understand the strike zones of hundreds of financial resources, and which would be the best fit for any prospect that I would work with. This would include cash flow and collateral based loans to include accounts receivable, inventory, along with equipment, real estate needs and equity.
Please contact me with any questions or referrals you might have.
Randy Gartz has been a guest on 1 episode.
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Ep068: Beyond Banking Silos with Randy Gartz
October 22nd, 2025 | 33 mins 37 secs
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 banks whenever possible, even when capital finance would pay higher fees, demonstrates how his business model prioritizes client outcomes over transaction volume. His internal 48-page reference guide of specialized lenders reflects decades of relationship-building across oil and gas, maritime, manufacturing, and distribution sectors.
Randy's philosophy that "I don't need to work, I do this because I enjoy it" explains why 75% of his pipeline comes from Texas energy companies that conventional banks won't touch, and why he celebrates when clients find better deals elsewhere.