TMI & Partners, Ltd. and Lexington Capital Holdings Form Strategic Alliance to Bridge the Funding Gap for Minority-Owned Businesses

By Staff

NEW YORK, NY — As recent federal policy shifts tighten eligibility for small business lending, the long-standing disparities facing minority-owned firms have reached a critical juncture. Today, TMI & Partners, Ltd. (TMIUM.COM) and Lexington Capital Holdings (lexingtoncapitalholdings.com) announce a reinforced partnership designed to dismantle the systemic barriers that have historically prevented minority entrepreneurs from accessing the capital they need to scale.

The challenges are well-documented and backed by stark data. According to the Federal Reserve’s Small Business Credit Survey, White-owned firms are approved for the full amount of financing they seek at a rate of 52%, while only 27% of Hispanic-owned firms and just 18% of Black-owned firms receive the same full approval. Furthermore, even among firms with “good” credit scores, minority-owned businesses are roughly half as likely to receive full funding as their White counterparts.

Addressing the Root Causes

The disparity in lending is driven by several systemic factors that TMI & Partners and Lexington Capital are specifically structured to counteract:

Historical Discrimination: Overcoming generations of “redlining” and restricted access to wealth-building tools.
Collateral & Credit Gaps: Addressing the reality that the median White household holds roughly eight times the wealth of the median Black household, leading to significant disparities in available collateral.
Network & Educational Disparities: Bridging the gap for owners who may lack “warm introductions” to institutional lenders or specialized financial education.

A New Paradigm for Business Success

TMI & Partners, Ltd acts as a “one-stop-shop” for small-to-medium enterprises (SMEs). They provide the institutional-grade finance, marketing, and operations departments that SMEs are typically too small to house internally, but too large to manage without professional oversight.

“Our clients choose TMI because we offer the infrastructure of a global firm without the prohibitive costs of multiple agencies,” said a representative from TMI & Partners. “By pairing our Business Solution Services with Lexington’s capital, we aren’t just giving a loan; we are building a foundation.”

Lexington Capital Holdings complements this by reimagining the underwriting process. Rather than relying solely on rigid credit scores or traditional collateral—metrics that often penalize minority owners due to socio-economic disparities—Lexington focuses on a business’s potential and future success.

“At Lexington Capital, we believe every business deserves the opportunity to succeed,” said a spokesperson for Lexington Capital Holdings. “Our mission is to provide accessible funding to those overlooked by traditional banks. We look at the strength of the business model, not just the history of the owner.”

About TMI & Partners, Ltd.

TMI & Partners, Ltd. provides educational formats, contractual partnerships, and business solution services designed to help SMEs navigate the complexities of growth and operational efficiency.

About Lexington Capital Holdings

Lexington Capital Holdings is a premier provider of direct access capital funding, specializing in underserved markets and focusing on the future viability of American small businesses.