Your Direct Point of Contact
Jim Garza
Senior Capital Markets | VFI Corporate Finance
Jim Garza specializes in structuring creative, flexible lease facilities for equipment and project-based financing. Working directly with attorneys and law firms he delivers rapid, tailored funding solutions for clients across all industries including manufacturing, healthcare, and technology. He is recognized for his speed-to-funding, transparency, and ability to translate complex lending structures into client-friendly solutions.
VFI is an independent direct lender offering 100% CapEx financing—including soft costs like engineering, implementation, and training—with lease terms from 24 to 60 months. VFI defines “equipment” broadly, from medical tech and software to vehicles and tenant improvements. Whether managing a $2MM equipment rollout or a $25MM capital raise, he focuses on minimizing client costs while maximizing deal efficiency.
Jim’s role is designed to complement the attorney’s function as risk manager and trusted advisor. Financing is assessed early, underwriting criteria are clearly communicated, and execution timelines are aligned to the transaction. This proactive approach reduces late-stage uncertainty that can expose clients, counsel, and deal momentum to unnecessary risk.
There are no secondary approval layers introduced late in the process. Clear accountability from first conversation to closing means one relationship and one decision path for transactions requiring creative structuring, milestone-based funding, or a specialty lender who moves fast.
“Attorneys are responsible for protecting both the transaction and the downside. My role is to make sure financing is never the variable that introduces risk late in that process.”
— Jim Garza, Senior Capital Markets
When Capital Becomes the Bottleneck
When a matter depends on capital, delays in financing can stall your legal strategy. I help you keep deals moving by providing:
Fast responses
Clear documentation
Protected clients
Trusted resources
Fast, predictable responses when a client needs project or equipment financing
Clear documentation and underwriting your team can rely on
Structures that protect clients from predatory terms or last-minute surprises
A trusted financing resource you can call when a matter becomes capital-intensive
How I Support Your Clients
I provide project and equipment financing for companies that need capital to move forward on critical initiatives. As an independent direct lender, VFI finances a wide range of business-essential assets — hardware, software, medical equipment, vehicles, tenant improvements, and all related soft costs like engineering, installation, and training. I work directly with intermediaries, advisors, and legal counsel to structure clean, predictable financing solutions that align with your legal strategy. My goal is to support your work, not sell to your clients.
Recent Client Financings
A sample of the types of projects and equipment I finance for attorney-referred clients:
Healthcare group
$3.2MM for diagnostic equipment, software, installation, and training
Manufacturing company
$1.8MM for production equipment and facility improvements
Technology firm
$900K for servers, licensing, and implementation
Construction services company
$2.5MM for fleet and project equipment
Professional services group
$600K for office buildout and tenant improvements
All structured as leases with terms from 24–60 months.
Common Questions from My Clients:
What paperwork do I need from my client?
For most referrals, I typically request: two years of audited or reviewed financials, the latest interim financials with year-over-year comparison, a list of the equipment or project scope, a brief use-case summary, and any timing requirements or constraints. That’s it — clean, predictable, and attorney-friendly.
How fast DO I respond on a time-sensitive matter?
I understand that timing often drives legal strategy. I prioritize attorney-referred matters and aim to provide an initial response the same business day, with clear next steps and information requests.
Do I work directly with YOUR client?
Yes, but always in a way that supports your role. My goal is to provide clear, professional financing options without creating friction or overstepping into your client relationship. I keep you informed so the financing aligns with your legal strategy.
What types of assets can I finance?
I finance a wide range of business-essential assets, including hardware, software, medical equipment, vehicles, tenant improvements, and related soft costs such as engineering, installation, and training.
Send a Client Scenario
Use this form to share a client scenario or request a quick consult.
Share a brief summary and timing. I’ll respond the same business day during business hours.
Direct Line
801-438-0783
Monday–Friday, 7:00 AM – 4:00 PM (Mountain Time)
Disclaimer: Engaging in an introductory call or submitting information does not ensure financing approval. All terms, structures, and funding decisions are contingent upon receipt of required documentation and completion of VFI’s underwriting process.