Tampa Bay, Florida

The financial partner growing businesses keep for the long run.

Tarpon Ridge Financial gives small and mid-size companies one relationship for capital, payments, cash management, advisory and business insurance, so owners spend less time juggling providers and more time running the business.

1,000+Business clients served
15 yrsServing owner-led companies
$50MClient revenue range, up to
1Relationship manager per client
Who we are

Built around the way owners actually run their companies.

Most business owners piece together their financial stack one provider at a time: a bank for the operating account, a lender for a line of credit, a processor for card payments, an advisor for the 401(k). Every one of them has a different portal, a different contact and a different view of the business.

Tarpon Ridge brings those pieces under one roof. Our team works with companies from early growth to roughly $50 million in revenue, across construction, professional services, technology, healthcare, logistics and more. Because we see the whole picture, we can structure financing, payments and cash strategy that fit together.

Services

Everything a growing business needs from its financial partner.

Start with one service or bring us the whole picture. Either way, you work with a single team that knows your business.

01

Business Capital

Working capital, equipment and growth financing structured around your cash cycle, not a one-size template.

  • Lines of credit
  • Term loans
  • Equipment finance
  • SBA programs
Available
02

Payments & Processing

Card acceptance, ACH and invoicing with transparent pricing and next-day funding.

  • Merchant services
  • ACH & eCheck
  • B2B invoicing
Available
03

Treasury & Cash Management

Put idle cash to work and get clear visibility into what is coming in and going out.

  • Sweep accounts
  • Cash forecasting
  • Payables automation
Available
04

Advisory & Retirement Plans

Strategic financial guidance for owners, plus retirement plans that help attract and keep good people.

  • 401(k) plans
  • Owner planning
  • Exit readiness
Available
05

Business Insurance

Commercial property and casualty coverage from our in-house insurance team, so protection sits alongside the rest of your financial plan.

  • General liability
  • Workers' comp
  • Commercial auto
  • Cyber
Available
Our approach

One relationship. One view of your business.

We keep our model simple so our clients do not have to manage it.

A dedicated manager

Every client has a named relationship manager who knows the business and coordinates every service we provide.

Connected services

Capital, payments and cash management that work together, so decisions in one area strengthen the others.

Proactive reviews

Regular check-ins to revisit rates, coverage and cash strategy as the business grows, not only when something breaks.

Who we serve

Owner-led companies across Florida and beyond.

Our clients range from fast-growing firms with a handful of employees to established companies doing up to $50 million a year. Headquartered in Tarpon Springs in the Tampa Bay area, we work with businesses throughout the Southeast and nationally.

Construction & trades
Professional services
Technology & software
Healthcare practices
Logistics & distribution
Manufacturing
Hospitality
Real estate services
Getting started

Three steps to a simpler financial stack.

1

Conversation

A short call to understand your business, your current providers and where the friction is.

2

Review

We look at your financing, payments and cash position and come back with specific recommendations.

3

Onboarding

Your relationship manager coordinates the transition so nothing falls through the cracks.

FAQ

Common questions.

What size businesses do you work with?

Most of our clients have between $1 million and $50 million in annual revenue, though we work with earlier-stage companies with strong growth plans as well.

Do I need to move all of my services to Tarpon Ridge?

No. Many clients start with one service, such as a line of credit or payment processing, and add more over time.

Where are you located?

Our office is at 123 E Tarpon Ave in Tarpon Springs, Florida, in the Tampa Bay area. We serve clients across the Southeast and nationally.

Do you offer business insurance?

Yes. Our in-house insurance team places commercial coverage for our clients, including general liability, workers' comp, commercial auto, property and cyber.

How do I get started?

Call us at (813) 819-0147, email support@tarponridgefinancial.com or send a message using the form below. A member of our team will follow up within one business day.

Contact

Let's talk about your business.

Tell us a little about your company and what you are looking for. We will follow up within one business day.

Phone(813) 819-0147 Emailsupport@tarponridgefinancial.com
Office123 E Tarpon Ave, Tarpon Springs, FL 34689
HoursMonday to Friday, 8:30 am to 5:30 pm ET

We respond within one business day.