# Collateral Holdings

Collateral Holdings is a Single Family Office based in Birmingham, United States.

## Overview

- **Organization type:** Single Family Office
- **Headquarters:** Birmingham, United States
- **Region:** North America
- **Address:** Birmingham, United States
- **Founded:** 1933
- **Assets under management:** Undisclosed
- **Website:** collateralbenefits.com
- **LinkedIn:** https://www.linkedin.com/company/collateral-holdings-llc

## Regulatory record

- **Reports private funds:** No

## About

Collateral Holdings traces to 1933 when W.T. Ratliff founded the firm that remains family-owned. Will Ratliff serves as CEO. The office invests capital generated by the founding family across a permanent base rather than finite fund vehicles. Investment activity covers buyouts and growth equity. The firm commits to direct co-investments, SPVs, private credit, private equity, real estate, and digital assets. Confirmed sector exposure includes InsurTech, FinTech, AgriTech & FoodTech, Mobility & Transportation, and Healthcare Services. Geographic reach extends to North America, Europe, Asia, and Africa. Technology interests include AI/ML, Cybersecurity, and Web3 & Blockchain. The firm lists no disclosed AUM figure and maintains no additional offices in public records. Former CFO and CIO Mike Anderson now serves at Brownlee-Morrow Enterprises. Leadership participates in A+ Education Partnership alongside executives from Regions Bank and Blue Cross Blue Shield of Alabama. Alumni ties link the firm to Auburn University through the Top Tigers program.

## Sectors

- InsurTech
- FinTech
- AgriTech & FoodTech
- Mobility & Transportation
- Healthcare Services
- Workflow Automation

## People

- Will Ratliff — CEO
- W.T. Ratliff — Founder

## Questions

### Who runs investment decisions at Collateral Holdings?

Will Ratliff serves as CEO. Investment decisions rest with the family office leadership supported by internal operational expertise.

### How does Collateral Holdings source proprietary deal flow?

The firm evaluates direct investments and strategic acquisitions through its network of operating businesses and board relationships.

### Is Collateral Holdings structured as a single family office or does it operate more like a venture firm?

It functions as a single-family office with a permanent capital base and active ownership model across buyouts and growth investments.

### Does Collateral Holdings participate in fund commitments or only direct deals?

The mandate emphasizes direct co-investments, SPVs, and strategic acquisitions rather than third-party fund commitments.

## Related profiles

- [Cohesion Capital](https://altss.com/profile/cohesion-capital)
- [Collins Permian](https://altss.com/profile/collins-permian)

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Last updated: 2026-08-10T15:54:10.904Z

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