Your money.
Your goals.
Our expertise.
Wallace Capital Group brings full-service financial advisory, business lending, mortgage, and insurance solutions together in one place — making it easier to build, protect, and grow your wealth.
Everything you need, in one place
From business loans to retirement planning — we coordinate every part of your financial life so nothing falls through the cracks.
Financial Advisory
Personalized wealth strategies built around your goals — investments, retirement income, tax efficiency, and estate coordination under one roof.
- Retirement income planning & Social Security timing
- Portfolio management & asset allocation
- Tax-efficient wealth transfer strategies
- Business succession & exit planning
Business Loans
Fast, flexible business financing — SBA loans, equipment finance, working capital lines, and acquisition funding with decisions in as little as 72 hours.
- SBA 7(a) and 504 loans — up to $5M
- Working capital & lines of credit
- Equipment financing & term loans
- Startup & expansion capital
Mortgage Solutions
From first-time homebuyer programs to commercial real estate financing — we match you with the right mortgage for your income and goals.
- Conventional, FHA, VA & USDA loans
- Commercial real estate & investment property
- Jumbo & non-QM mortgage products
- Refinancing & cash-out solutions
Insurance & Protection
Life, disability, and business insurance designed to protect your income, your family, and the business you've built — reviewed alongside your full financial plan.
- Term, whole & indexed universal life
- Key person & buy-sell agreement funding
- Long-term care and disability income protection
- Asset protection strategies
Annuities & Retirement
Guaranteed income solutions that make sure you never outlive your money — fixed, indexed, and deferred annuities structured around your retirement timeline.
- Fixed & fixed-indexed annuities
- Income riders & lifetime withdrawal benefits
- 401(k) rollover & IRA transition planning
- Longevity risk management
Corporate Financial Wellness
Financial education workshops and benefit strategy for HR teams and employers who want to reduce financial stress and invest in their workforce.
- On-site & virtual financial wellness workshops
- Employee 401(k) & benefits optimization
- Executive compensation planning
- Key employee retention strategies
A financial partner you can actually talk to
"We don't believe financial planning should feel complicated or intimidating — it should feel like a conversation."
Wallace Capital Group is a full-service financial advisory and business lending firm. We serve entrepreneurs, families, executives, and investors across the region — bringing institutional expertise with the personal attention you'd expect from a trusted advisor, not a bank.
Our team of licensed advisors, mortgage professionals, and insurance specialists works in coordination — so your investments, your loans, your protection, and your retirement plan all work together, not against each other.
Fiduciary Always
Legally required to act in your best interest, every time.
Fast Decisions
Loan decisions in as little as 72 hours. No runaround.
Fully Licensed
NMLS, SEC registered, state-licensed insurance agency.
Long-Term Partners
Average client relationship: 11+ years. We grow with you.
From hello to funded — here's what to expect
We keep things simple and transparent. No jargon, no mystery. Just a clear path from your first conversation to your financial goals.
Free Discovery Call
A relaxed 30–minute conversation to understand your goals and situation. No commitment, no pressure — just clarity.
Custom Strategy
We design a personalized financial plan and guide you through the application process — handling the paperwork so you don't have to.
Quick Decision
Loan decisions in as little as 72 hours. We keep you informed every step of the way — no wondering where things stand.
Funded & Supported
Capital in hand, plan in place. And then we stay — quarterly reviews and a dedicated advisor whenever you need one.
See what your loan could look like
Adjust the sliders to estimate your monthly payment. We'll give you the real numbers after a quick conversation.
Business Loan Estimator
Real people. Real results.
Over 500 individuals families and businesses have trusted Wallace Capital with their financial futures. Here's what they say.
"Wallace Capital secured a $450,000 SBA loan for our restaurant expansion in under two weeks. The rate was nearly a full point below what our bank offered, and the process couldn't have been smoother."
Joan Champion-Robinson
"They restructured our business insurance, set up our retirement plan, and refinanced our commercial property. For the first time, everything works together. I wish I'd found them sooner."
Candice Bourne
"Three old 401(k)s, no real plan. After two meetings I had everything consolidated, a Roth strategy in place, and an actual retirement date I can believe in. They made the complex feel simple."
Peter Shand
"As a self-employed borrower, mortgage approval felt impossible. Wallace Capital found a non-QM program that fit my income perfectly — and closed it in 28 days. Incredible experience."
Lance McMahon
"The corporate wellness workshops transformed how our team engages with their benefits. 401(k) participation jumped from 42% to 81% in one enrollment cycle. Immediate, measurable impact."
Anne Robertson
"Equipment financing for 4 vehicles approved in 4 days. I've worked with four other lenders over 12 years. No one comes close to their speed or the quality of their communication."
Ruben Borrero
The expertise behind your strategy
Licensed, credentialed, and genuinely invested in your success. Our leadership approaches your financial life with the same meticulous dedication that you do.
With over two decades of navigation through shifting market environments, our founding vision remains focused on dismantling traditional financial silos. We believe that business capital coordination, personal estate wealth management, and defensive asset shielding solutions perform at their highest levels when designed under a single unified plan.
Every relationship inside Wallace Capital Group benefits directly from this core standard—ensuring institutional-grade execution paired with transparent, client-first clarity at every growth phase.
Phillip Wallace
FOUNDER & PRINCIPAL ADVISOR
20+ years across financial advisory, mortgage, and insurance. MBA-credentialed with a rare perspective across all three disciplines.
Let's build your financial future together
Whether you need an portfolio investment strategy, a business loan, a mortgage, a retirement plan or all - the first conversation is free, friendly, and obligation - free. We'd love to meet you.
We'd Love To
Hear From You
Fill out the form and a dedicated advisor will reach out within one business day. Prefer to call?
(800) 664-3505
contact@wallacecapitalgroup.com
