With over 25 years of proven success in consumer and patient lending, I specialize in designing creative, revenue-driving solutions that help providers and merchants thrive, no matter the economic climate.Throughout my career, I've pioneered innovative lending solutions that empower businesses—both large and small—across the U.S. and internationally. My methodologies drive growth, improve customer retention, and deliver significant cost savings, all while enhancing the customer and patient experience.As the visionary behind Choice Payment Services, I created the first-ever 50-state regulatory-compliant receivables management solution. This groundbreaking program allows providers and merchants to capture interest revenue on outstanding consumer or patient balances while Choice manages and services the payment stream. The result? Providers and merchants can sell their receivables for more, while patients and consumers can proceed with the treatment or purchases they need.In addition to my work with Choice, I am the Managing Member of Finance RX Venture Studio, where I lead the development of next-generation financial and lending solutions for healthcare and consumer markets. At Finance RX, I work with executives, entrepreneurs and startups to bring innovative business ideas to life, focusing on scalable, high-impact solutions that transform the financial landscape for providers, merchants, and patients alike.Prior to founding Choice in 2018, I sold my interest in Healthcare Finance Direct (HFD), the nation’s leading in-house patient financing company. Created in response to the 2008 market crash, HFD provided budget-friendly, SaaS-based payment solutions that allowed patients to move forward with essential care, while providers received payment for services rendered.As an entrepreneur and visionary, I am always looking for business opportunities that benefit all stakeholders. My unique ability to design and deploy win-win solutions has made me a trusted partner for my providers and merchant clients, helping them streamline workflows, increase productivity, and maximize revenue.Let’s connect if you’re looking for innovative solutions to solve your consumer or patient lending challenges.