JTZ & Associates, Inc. was established to meet on a timely basis the special financial, operating and collateral information needs for lending in the Middle Market. 

JTZ & Associates, Inc. is a high-quality, value added and cost-effective resource that offers clients the attention of a small firm and the personal involvement and experience of a seasoned professional.

John T. ("Jack") Zeller focuses his practice on providing on-site financial examination and review services to meet the critical information needs of commercial lenders, borrowers, investors and related parties throughout the Middle Market by assessing the current standing and future direction of borrowers, primarily in secured transactions.  These services may involve reviews relating to ongoing account management, extensions of new or additional credit, turnarounds, problem situations or other special purposes. 

The services of JTZ & Associates, Inc. are available for meeting a wide range of information needs, including the following:

• Operational reviews to analyze a business, its financial performance, projections, cash flows and debt service

• Due diligence reviews and structuring of credit requests, including the development of of Borrowing Bases and financial presentations

• Asset based and special purpose field exams for analyses of Accounts Receivable and Inventory collateral