ReadyCap Lending is a team of knowledgeable experts who understand the financing needs of small and growing businesses. We take pride in delivering personal, friendly service and customized financing solutions that help businesses thrive, so neighborhoods and communities can grow.
OUR LEADERSHIP TEAM:
JOHN MOSHIER, President
John comes to ReadyCap Lending with nearly 20 years of professional experience in the lending industry, the past 15 of which have been focused on small business relationships and management of U.S. Small Business Administration (SBA) loan programs. He has been consistently recognized for portfolio performance and SBA production, while building and growing national sales teams. John’s military service includes four years in the United States Army and six years in the Ohio National Guard. He serves on the board of the National Association of Government Guaranteed Lenders (NAGGL).
BUSINESS DEVELOPMENT TEAM
MARK GIBSON, National Sales Manager
Mark brings over 20 years of commercial banking and SBA lending to ReadyCap where he will focus on new business and production. Prior to ReadyCap, Mark served 13 years as a SVP Regional Sales Manager for U.S. Bank, specializing in structuring and financing acquisition of businesses and acquisition of commercial real estate and responsible for all aspects of operations overseeing 15 business development officer positions. Mark brings extensive leadership experience in the industry to ReadyCap including his serving as Vice President, National Lending Division for Washington Mutual, Vice President of First Union’s Commercial Lending Division as well as Assistant Vice President, Business Banking at PNC Bank. Mark holds a MBA from Bellarmine University, School of Business in Louisville, Kentucky and a B.S. in Business Administration and Finance from the University of Louisville, School of Business.
MATTHEW PUTNAM, Senior Business Development Officer
Matthew joins ReadyCap Lending with more than 25 years of SBA Lending experience. Throughout his loan origination career, Matt has been an active lender specializing in SBA financing options. Specialty areas of financing include owner user commercial real estate, construction to perm financing, business acquisitions and partnership buyout financing, business debt restructures and financing franchisees. His SBA Lending experience will enhance ReadyCap's visibility in the small business lending arena by providing custom financing solutions focused on helping small businesses start, grow and improve performance.
MICHELE BROWN, Business Development Officer, Southeast-Central Texas
Michele has over 25 years of comprehensive lending experience, extensively in Small Business Administration (SBA) lending. Prior to joining ReadyCap Lending, LLC, Michele served as Vice President for Texas First Bank, focused on SBA commercial real estate financing. She has broad experience and knowledge in financial products and lending, having worked in business development and management roles for CIT, US Bank, and Bank One in Texas, as a consistent top-producing originator. Michele currently serves as President of the Houston Association of Government Guaranteed Lenders (HAGGL), providing community support to regional SBA lenders. She has lived and worked in the Greater Houston Area for over 30 years.
MICHAEL JOHNSTON, Business Development Officer, Texas
Michael Johnston joins ReadyCap Lending with more than 25 years of commercial lending and SBA experience dealing with a variety of industries. He joined Practice Pathways, a professional division of Zions Bank in March of 2015. In his role as Vice President and Business Development Officer, Mr. Johnston was responsible for sourcing loans for Dental, Veterinary, and Optometry industries. Prior to that, Mr. Johnston operated primarily as a SBA Business Development Officer including a six year stint at Capital Source Bank/Mainstreet Lender where he was a consistent top producer. Mr. Johnston has held positions as a credit underwriter specializing in Real Estate and Asset Based Lending, a credit underwriter specializing in SBA Lending, Special Assets Officer, and Business Development Officer. He has been a Business Development Officer for the past 19 years with various business organizations.
RAY DREW, Business Development Officer, South Florida
Before joining ReadyCap Lending, Ray was a Vice President and SBA Loan Specialist for HomeBanc NA in West Palm Beach, Florida. He was also a client advisor for Mercantile Capital Corporation, where he provided SBA 504 loans for commercial real estate acquisitions, construction projects, and refinancing to small businesses nationwide. Ray received his bachelor’s degree in business administration from the University of Central Florida. He proudly serves on the board of the Board of Florida Association of Government Guaranteed Lenders, an organization dedicated to providing education, networking, and promotes awareness of Government Guaranteed Lending Programs for the small business community.
DENISE CLEMENCE, Business Development Officer, Tampa
Denise Clemence joins ReadyCap Lending with more than 13 years of experience in dedicated SBA lending. Her ability to work with business owners in preparation of a complete loan package has given her the ability to fund over $100 million towards the success of small business operators. The ability to manage and evaluate risks is beneficial to ReadyCap’s clients, which include commercial brokers, bankers, referral partners and business owners. Throughout Denise’s career she has been recognized as an influential member of the community through her continued involvement in CREW Tampa Bay, Small Business Resource Network, Leadership Tampa Bay and many more as well as serves on the Governor’s Florida Emergency Bridge Loan Review Committee.
CHAD KEEFER, Business Development Officer, Carolinas
Chad comes to ReadyCap with more than a decade of lending experience, the majority of which has been focused in SBA and government-guaranteed lending programs. He has extensive experience and knowledge in financial products and lending, previously working in business development roles for Wachovia Bank, BCI Lending, and TD Bank. Chad received his bachelor’s degree in finance from the University of Pittsburgh. He has lived and worked in South Carolina since 2002.
CHARLES GREEN, Business Development Officer, Atlanta
Charles has more than 35 years of experience in small business finance. His ability to manage credit risk and evaluate small business opportunities are beneficial to ReadyCap's clients, which include business owners, commercial brokers, bankers, and referral partners. Throughout his loan origination career, Charles has consistently been a top producer, financing over $300 million in SBA-guaranteed loans. He was previously recognized as an influential small business lender as the SBA's "Financial Services Champion of the Year" and the Atlanta Commercial Board of Realtors "Affiliate of the Year". He also served as President and CEO of Sunrise Bank of Atlanta.
BILL LUCKINBILL, Business Development Officer, Phoenix & Veterans Community Development
Bill works closely with the SBA to develop ReadyCap Lending's outreach program to veteran small business owners and entrepreneurs in communities across the country. He has over 24 years of comprehensive lending experience, especially in the government-guaranteed arena. Prior to joining ReadyCap Lending, Bill served as Vice President for Titan Bank in Arizona. He has deep experience and knowledge in SBA and USDA lending programs, having worked in business development, underwriting and management roles for The Money Store Investment Corp., Transamerica Small Business Lending, Compass Bank and Mountain America Credit Union. Bill received his bachelor’s degree from the University of Illinois-Chicago and his MBA from Keller Graduate School of Management in Chicago. Originally from the Midwest, he has lived and worked in Arizona for more than 17 years.
ANDREW SIMON, Business Development Officer, Southern California
Andrew comes to ReadyCap with more than 8 years of direct lending experience. Prior to joining ReadyCap, Andrew served as Business Development Officer at Crossroads Small Business Solutions, where he originated SBA 7(a) loans concentrated in the transportation, manufacturing, and business services industries. Andrew has consistently been a high producer, delivering excellent results through traditional of out of the box methods for clients, including commercial brokers, bankers, referral partners and business owners.
STEVEN CHAKER, MBA- Vice President, Senior Business Development Officer, Los Angeles
Steve Chaker has over 30 years of comprehensive lending experience, extensively in the SBA arena. Prior to joining ReadyCap Lending, LLC, Chaker served as Senior Vice President for US Metro Bank in South California where he was the Bank's highest producer of SBA loans YTD. He has extensive experience and knowledge in financial products and lending, having worked in business development and regional management roles for Bridge Bank, Hanmi Bank, US Metro Bank. Chaker received his Master's degree in business administration in accounting from Fairleigh Dickinson University in Rutherford, New Jersey.
CLIFF TAYLOR- Senior Vice President, Managing Business Development Officer, Northern California
Cliff Taylor has over 30 years of comprehensive lending experience, extensively in the SBA arena. Prior to joining ReadyCap Lending, LLC, Taylor served as Vice President for Umpqua Bank in California. Taylor has extensive experience and knowledge in lending, notably with complex SBA transactions and special use property. In the past, he has worked in business development and management roles for Borrego Springs Bank, Temecula Valley Bank, Comerica / Imperial Bank and Truckee River Bank. Taylor received a bachelor’s degree from the University of Nevada, Reno and has lived and worked in Northern California for over 30 years.
J.P. SWIFT- Senior Vice President, Managing Business Development Officer, Irvine
Mr. Swift comes to ReadyCap Lending with over 25 years of commercial real estate finance experience. Prior to joining ReadyCap Lending, Mr. Swift served as Vice President / SBA Business Development Officer at US Bank and consistently ranked among top loan producers nationally for the third largest SBA lender. Mr. Swift also received company’s Pinnacle Award for both 2014 and 2015. He previously was a Senior Vice President at Commerce National Bank, tasked with launching the SBA department, successfully growing it $35 million in production. Mr. Swift received his degree in Finance from Florida State University. He additionally completed a Management Associate Program at Barnett Bank (acquired by Bank of America), a two year training program that along with other aspects of the banking industry, focused on analyzing various business and industries to determine creditworthiness.
DAVID MATRISCIANO - Vice President, Business Development Officer, NY Metro
Mr. Matrisciano comes to ReadyCap Lending with over 35 years of comprehensive lending experience in commercial real estate lending and SBA financing. Prior to joining ReadyCap Lending, Mr. Matrisciano served as Vice President for the SBA Division of Financial Resources Federal Credit Union and contributed to the company’s success, receiving the honors of SBA Lender of the Year Award in 2013, 2014 and 2015. He has extensive experience and knowledge in financial products and lending, and worked in business development and management roles for TD Bank, GE Capital, Union Center National Bank, City Federal Savings Bank and The Federal Deposit Insurance Corporation. Mr. Matrisciano received his degree in Political Science from CCM. He has credit training from GE Capital and American Institute of Banking, and is Six Sigma Green Belt Certified from GE.
ABBY PENA - Sales Assistant
Ms. Pena comes to ReadyCap Lending with over 15 years of comprehensive sales support and customer service experience.
Prior to joining ReadyCap Lending Ms. Pena served as a Financial Aid Representative at Lincoln Technical Institute where she achieved great success in processing and properly aiding student in submitting documents and information to acquire Financial Aid. Furthermore, Ms. Pena served as a Sales Support Specialist for Anheuser-Busch Sales of NJ where she successfully aided in the opening of North Jersey’s largest liquor retail space by developing marketing & placement strategies therefore increasing sales significantly. Ms. Pena received her degree in Business Administration with a concentration in Marketing from Monmouth University.
RACHEL KESSLER - Business Development Associate
Rachel joined ReadyCap as a Business Development Associate with an office in our Chico, California business center. Rachel has extensive experience in just about every aspect of the SBA production process including time spent as an escrow agent assistant, Senior Loan processor and SBA Credit Analyst and has a proven record of improving efficiencies and facilitating production throughout the life cycle of a transaction. Rachel earned her BS in Business Administration from San Diego State University and a MBA from California State University.”