You can build a ballistic SSTO (either with internal or external tanks - the later is easier but not a true SSTO - kind of 1.5STO) and refuel it in LEO so that it can deliver a payload to GTO - see Philip Bono ROMBUS of 1963 Bono draw plans for Moon and Phobos landings.) Delta-v wise, Earth surface to Earth orbit is 9 km/s. By comparison, GTO 2.5 km/s are nearly trivial. If a SSTO can do 9 km/s, it can certainly do 2.5 km/s with partial refueling. Of course you have to get down from GTO, but aerobraking is propellant-free.