Integrity Capital Management

Integrity Capital Management

Integrity Capital Management was founded in 2006 in Kingsport, Tennessee, one of the Tri-Cities' industrial anchors. The firm emerged not from a wirehouse breakaway team but as an independent platform combining registered investment advisory services with direct private credit origination. Its client base spans individuals, trusts, foundations, and small corporations — a mix that positions Integrity as both a fiduciary planner and a situational lender. This dual identity shapes its entire operating model. The firm's strategy concentrates on mezzanine financing and special situations, aiming at the capital gap between senior bank debt and pure equity. Integrity structures subordinated loans, bridge facilities, and opportunistic credit to lower-middle-market companies, many in the southeastern US manufacturing and distribution corridors. Confirmed transaction structures, include growth capital for founder-owned businesses and recapitalizations where conventional underwriting proved too rigid. Geographic focus remains the broader Appalachian and Mid-South region, though select deals have extended to the Carolinas and Georgia. Integrity runs a lean operation — team size is not publicly disclosed — consistent with boutique private debt managers that emphasize origination over asset gathering. The firm maintains a deliberately low public profile: no LinkedIn presence is captured, and marketing materials emphasize direct client relationships over institutional brand-building. What structurally distinguishes Integrity is its pairing of retail-focused retirement planning with institutional-style private credit deployment. Most firms treat wealth management and balance-sheet lending as separate lines of business; Integrity collapses them into a single relationship model where advisory clients can participate in the credit strategies the principals themselves underwrite. This creates alignment — and concentration risk — that a large platform could not replicate. The Kingsport base reinforces the model: proximity to industrial borrowers in secondary and tertiary markets gives the firm a sourcing advantage that metro competitors lack.