Featured Cash Flow Management Experts

Cash Flow Mike, also known as Mike Milan, is a cash flow strategist, entrepreneur, author, and educator who helps accountants, bookkeepers, advisors, and business owners turn financial confusion into confident decision-making. He built 14 companies, earned an MBA from Baylor University, and developed the Clear Path To Cash framework to help businesses find hidden cash, improve profitability, strengthen valuation, and lead better financial conversations. His work stands out because it is conversation-first and built for real advisory moments, not theory, hype, or generic reporting. Through his books, training, app, and live teaching, Mike equips professionals with practical systems that help them know what to do next when the numbers get real.

I'm a specialist commercial finance broker with 16 years of experience helping Australian business owners access commercial property finance. As founder of Smart Business Plans, I've overseen $550 million in commercial finance across more than 3,300 clients, with a 92% approval rate working across a panel of 60+ specialist lenders. My expertise sits at the intersection of commercial property, business finance, and wealth strategy — particularly for small to medium business owners looking to buy their own premises, invest through their SMSF, or fund development projects. I work exclusively in the commercial space, which means I specialise where the major banks often can't or won't go. I'm also the author of The Premise Effect (2026), which makes the case for why Australian business owners are leaving millions on the table by renting rather than owning their business premises. I'm available to comment on: commercial property finance, SMSF borrowing, business lending, commercial mortgage rates, Australian property market trends, and small business wealth building.

I founded Commercial Funding Partners in 2012 with a clear mission: build a performing portfolio of customers who return because we treat them right and help them grow responsibly. After six years at a competitor and seeing how customers were often handled at deal end, I knew there was a better way to do business in commercial equipment finance. We’re a national direct lender with capacity from $250,000 to over $100 million per project, serving manufacturers, contractors, healthcare providers, transportation companies, and others across the U.S. What sets us apart is speed paired with judgment. Our small, senior-level finance committee allows us to make decisions quickly—often the same day—and months faster than SBA processes, where time value often outweighs minor rate differences. We listen to the story behind the balance sheet and underwrite context, not just numbers. We structure real-world solutions through progress funding, 100% project financing, sale-leasebacks, and tax-aware terms that banks often can’t provide. We don’t do deals we wouldn’t sign ourselves. Over 40% of our business comes from repeat clients, many with long-standing relationships that improve with each transaction. I’m active in industry leadership with ELFA, NEFA, and AACFB, where I chaired the Education Committee for four years and received the President’s Award. Before CFP, I worked at IBM and helped manage and grow Plumbers Supply Company through its acquisition by Wolseley. I hold a BS from the University of Utah and an MBA from Westminster College. Our goal is simple: be the first call for our customers and help great businesses grow smarter and faster.

Damon Paull, AWMA® - Financial Advisor, Best-Selling Author, Military Veteran As a wealth management advisor and Amazon best-selling author in Money and Business, Damon Paull brings a military precision to financial journalism. His recent collaboration with former FBI hostage negotiator Chris Voss on "Empathetic Leadership" shows he can take complex financial concepts and turn them into stories that resonate with everyone. With over 8 years of industry experience and a background as a Marine Corps veteran and State Department contractor, Damon writes about: • Intergenerational wealth transfer • Corporate benefit plan optimization • Investment portfolio construction • Business succession planning • Veteran financial empowerment • Global market analysis through a geopolitical lens As a Wealth Management Advisor at Cetera Investors, Damon’s expertise goes beyond traditional financial planning. He uses cutting-edge financial technology and analysis tools to bring you fresh perspectives on emerging trends and investment opportunities. His writing style is data-driven with a storyline, making complex financial concepts accessible to sophisticated investors and general audiences. Regular contributor to discussions on wealth preservation, market dynamics and financial technology. Damon welcomes opportunities to provide professional commentary and in-depth analysis for financial publications looking for expert opinions on wealth management and investment strategies. For editorial inquiries or commentary: Damon Paull, AWMA Damon.Paull@ceterainvestors.com 832.535.2286 Glen Allen, VA Available for national and international commentary Cetera Investors. Damon Paull, Wealth Management Advisor. Securities and Insurance Products offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC. 140 EASTSHORE DR. SUITE 105, GLEN ALLEN, VA 23059. 804-346-4670. The opinions expressed are those of the writer, not recommendations of Cetera Investment Services LLC or its representatives.

I am an Institutional Debt Market Architect with more than 17 years of experience designing the valuation, liquidity, and recovery protocols that banks, credit unions, fintech lenders, and private credit funds rely on to make high-stakes decisions. I’ve advised on, analyzed, or helped broker over $100 billion in performing and non-performing receivables across consumer, commercial, auto, BNPL, mortgage, and specialty finance asset classes. My work sits at the intersection of portfolio valuation, lending risk, distressed-asset strategy, and AI-driven recovery intelligence. I help institutions understand the true condition of their receivables, uncover hidden risk, and translate complex credit dynamics into clear, actionable decisions. When lenders need to determine whether to hold, recover, restructure, or sell an asset, I’m the person they call. As Director of Portfolio Liquidity & Asset Disposition at Fitzgerald Advisors, I architect and execute loan-sale strategies, oversee due diligence, and structure NPL and charged-off debt transactions that maximize proceeds while maintaining regulatory integrity. I also build the technology that powers modern receivables strategy. I created Debt Catalyst, an AI-driven valuation and liquidation-curve engine used by professional debt buyers and investors. I developed Bank Watch Pro, a real-time intelligence platform that interprets FDIC and NCUA call-report data to identify institutional credit risk, NPL trends, charge-off exposure, and early-warning indicators. Across my ventures, I focus on one mission: turning distressed receivables, delinquency, and charge-offs into liquidity, clarity, and competitive advantage for financial institutions. I provide expert commentary on: Distressed portfolio valuation & credit-risk analysis NPL and charged-off debt sales Fintech lending trends & BNPL credit performance Bank & credit union financial health (FDIC/NCUA analytics) AI in collections, segmentation, and liquidation modeling Regulatory and compliance implications in debt markets I don’t follow the debt markets — I architect them. And I use that experience to help lenders, investors, and agencies make smarter, faster, and more profitable decisions.

David Sapper is a U.S.-based entrepreneur, small business consultant, and merchant services strategist specializing in payment processing economics, profit optimization, and scalable consulting models for small and mid-sized businesses. He is the founder of BlueFinch Advisors, a consulting and merchant services firm focused on helping business owners reduce hidden costs, increase margins, and build more resilient businesses. David’s work centers on a core but often misunderstood issue in small business: payment processing. Most small businesses operate on net margins of roughly 7–12%, yet common default processors—such as Square, Stripe, and bank-issued merchant accounts—typically charge 3–4% of gross revenue. In practice, this means payment processing alone can consume 30–50% of a business’s actual profit. David helps business owners understand this math clearly and implement compliant strategies, including surcharge and cash-discount models, to dramatically reduce or eliminate processing costs. Through BlueFinch Advisors, David works primarily with card-heavy and service-based industries such as auto repair, med spas, aesthetics clinics, specialty services, and other growth-oriented small businesses. His approach goes beyond rate comparisons. He treats payments as part of a larger profitability system that includes pricing structure, checkout friction, customer behavior, and operational efficiency. David is known for a consulting-first model that aligns incentives between advisor and client. Rather than charging retainers, his firm provides ongoing business consulting, audits, competitive analysis, and access to a proprietary performance dashboard as part of the payment processing relationship. This structure allows David to focus on long-term business growth rather than short-term transactional wins. With a background spanning entrepreneurship, operations, and systems design, David is frequently consulted on topics such as small business profitability, payment processing strategy, surcharge compliance, cost reduction, and scalable advisory models. His work emphasizes transparency, practical execution, and measurable outcomes—helping business owners keep more of what they earn while building businesses that can scale responsibly.

Payments expert. Previously worked for a multinational payments consultancy but in 2025 left to form new firm focussing on UK merchants. Wide understanding of payments in US, UK and Europe - from a commercial (i.e. not technical) aspect. Costs, interchange fees, scheme fees, acquiring/processing fees, market trends. Have previously contributed to building a business which had a nine-figure PE investment.

9+ years PR and media relations experience. Now in the ultra-high-net-worth wealth management space with Fidelis Capital after years in the luxury goods and real estate sectors with Discovery Land Company, Casamigos Tequila, and Tiffany & Co. Have secured national coverage for Fidelis Capital in Barron's, Bloomberg, Crain Currency, Forbes, Kiplinger, Reuters, and the Wall Street Journal, along with trade coverage in Financial Planning, InvestmentNews, and WealthManagement.com. Fidelis Capital is a 5-star firm in Newsweek's 2026 list of America's Top Financial Advisory Firms. Subject matter experts at Fidelis Capital include: - Chris Gunster, CFA, Partner & Head of Fixed Income (previously Bank of America Chief Investment Office, oversaw $60 billion in assets; Forbes.com contributor) - Rick Simonetti, Founding Partner, CEO & Head of Wealth Planning (previously Wells Fargo Private Wealth Management's National Head of Wealth Planning; Kiplinger contributor) - Matt Michaels, CFA, CFP, Founding Partner & Co-Chief Investment Officer (previously Wells Fargo Private Bank Senior Private Wealth Portfolio Manager; deep expertise in private markets investing) - Neale Ellis, CFA, Founding Partner & Co-Chief Investment Officer (previously Bank of America Private Bank principal portfolio manager of Managed Active Core)

Christopher Zoukis, JD, MBA, is a nationally recognized federal prison expert. He serves as Managing Director at Elizabeth Franklin-Best P.C. and Zoukis Consulting Group, where his federal criminal defense practice focuses on federal appeals, post-conviction relief, compassionate release, clemency, and Bureau of Prisons policy matters. Mr. Zoukis is the author of six books on federal criminal defense and prison policy, including The Habeas Citebook: Ineffective Assistance of Counsel (Prison Legal News Publishing, 3rd ed. forthcoming 2025), Federal Criminal Defendant’s Handbook (Middle Street Publishing, forthcoming 2025), Directory of Federal Prisons (2020), Federal Prison Handbook (2017), Prison Education Guide (2017), and College for Convicts (2014). His Federal Prison Handbook received numerous awards, including the Reader’s Favorite Book Awards Gold Medal, the Next Generation Indie Book Award, and the Chanticleer Book Awards Instructional & Insightful Nonfiction Award. College for Convicts received the Eric Hoffer Book Award’s Montaigne Medal for the most thought-provoking book of the year. Mr. Zoukis earned his Juris Doctor from the University of California, Davis School of Law, where he served as Articles Editor of the UC Davis Law Review and received both the Witkin Award and Reynoso Award for Academic Excellence. He also holds an MBA and a BA in Interdisciplinary Studies from Adams State University. Major media outlets regularly seek his expertise. He has been quoted in CNN, Fox News, ABC News, Associated Press, USA Today, The Washington Post, The Guardian, Bloomberg Law, and Vice News, among others. He has contributed articles to the Huffington Post, New York Daily News, Prison Legal News, and Criminal Legal News. Mr. Zoukis’s Prison Law Blog was named a Top Law Blawg by the American Bar Association, and he was a finalist for the Society of Professional Journalists’ Mark of Excellence Award. He has assisted hundreds of clients with federal prison preparation, in-prison advocacy, and reentry matters, and is considered a leading voice on federal prison policy nationwide. Learn more about Chris at https://federalcriminaldefenseattorney.com/about/christopher-zoukis-federal-prison-consultant/

I'm a credit officer who happens to think like a deal-maker. After 34 years in credit, mortgage, and equipment finance, I've learned that the best financing solutions come from understanding both the numbers and the business behind them. As Chief Credit Officer and President of Equipment Leases at Commercial Funding Partners, I lead credit and underwriting operations for a portfolio that's grown from $15 million to nearly $100 million annually, with clear sight lines to $300 million. My role sits at the intersection of rigorous credit analysis and flexible deal structuring, which means I spend my days solving financing challenges that traditional banks simply can't accommodate. Here's what that looks like in practice: We fund 100% of equipment projects so companies can preserve working capital. We manage vendor deposits and progress payments directly, including international transactions in euros, removing cash flow strain during long equipment builds. We structure deals for clients who've hit exposure limits with their banks, allowing them to maintain those banking relationships while still accessing the capital they need to grow. Most of our transactions range from $250,000 to $25 million and support revenue-generating equipment in manufacturing, construction, pharmaceuticals, and other industries where the right asset makes the difference between winning a contract and walking away from it. We typically approve leases in 10 to 14 days, and even complex, multi-million-dollar deals close within a few weeks. What sets our approach apart is the team mentality. Clients don't get a rigid lender relationship. They get a credit partner who understands their cash cycles, their vendor timelines, and their growth plans. My team works cross-functionally (credit, sales, documentation, accounting) to deliver financing that's both sound and practical. I'm actively involved with ELFA, NEFA, and AACFB, and I've been recognized as a Top Woman in Leasing and with the AACFB President's Award. These aren't just credentials. They reflect a commitment to advancing the industry and building financing structures that help mid-market companies compete and scale. If you're a CFO or business owner dealing with bank exposure caps, international vendor payments, or the need for 100% project funding, let's talk. I'm here to structure deals that work.

For over two decades, I’ve led high-impact teams at the intersection of technology, banking, and innovation. After launching my career in corporate finance, I found my calling in the fast-paced world of fintech and digital transformation. Most recently, I led global sales and account management for the Banking and Capital Markets vertical at Endava (following its acquisition of Levvel), where I oversaw a $200M+ book of business and a team spanning the U.S., UK, Europe, APAC, and MENA. I drove double-digit growth year over year, reengineered sales strategy, and helped global financial institutions modernize legacy systems, embrace cloud adoption, and deliver next-gen customer experiences. I'm a U.S. Navy veteran, the co-author of "A Dragon Walks into a Meeting: A Tactical Guide to Client Management," and co-host of The Account Management (a tactical guide to success) podcast.

With over 24 years of hands-on experience in trade finance and banking, I help businesses navigate the complexities of International Trade with confidence. My expertise covers the full spectrum of Letters of Credit (LCs)—including Documentary Credits, Usance LCs, Back-to-Back LCs, and Standby LCs—ensuring every transaction is smooth, compliant, and risk-mitigated. I work closely with exporters, importers, banks, and logistics providers to bridge gaps and streamline cross-border deals. My knowledge spans Finance, Accounting, Banking, UCP 600, ISBP 821, Incoterms 2020, and the latest in Trade Finance—from blockchain-enabled LCs to electronic documentation platforms. Over the years, I’ve guided exporters, importers, SMEs, and entrepreneurs as they expand into international markets. Whether you’re already trading globally or just starting your export journey, my goal is to provide expert guidance and practical tools to help you reduce risks and seize opportunities in global trade. Trade Finance & LC Risk Specialist | UCP 600 Practitioner AVP & Operations Manager with 24+ years in banking. Publishes practical insights on documentary credits, discrepancy risk, and LC operations. Available on: 🌐 Inco-Terms Blog: https://inco-terms.blogspot.com/ 🔵 Medium: https://medium.com/@kstanvir

We provide financing solutions from $25,000 to $10,000,000+ for small businesses and middle market companies. As passionate entrepreneurs for entrepreneurs, it's our mission to share our experiences and expertise with small and medium sized businesses looking for help and advice in securing financing for their business. While i'm not in the office I enjoy spending most of my time with family and close friends. Whether it be on the beach surfing, or in the mountains skiing, my favorite thing to do is to just be outdoors.

Hi I am Carolina Bennett, Accounts Manager at State Financial. They are one of the receivables financing companies dedicated to helping businesses improve cash flow without unnecessary debt. They work closely with business owners, review accounts receivable, and provide solutions that convert unpaid invoices into immediate working capital. Through clear communication and dependable account support, they help companies pay employees, manage vendors, cover operating expenses, and handle seasonal fluctuations. They focus on flexible funding, efficient processing, and personalized service so businesses can operate smoothly and confidently pursue growth opportunities while maintaining long-term financial stability.

I have been working in the alternative finance industry since 2006, through many work experiences and relationships I have built, I am able to handle a multitude of different finance options for all of my clients and contacts. Specialties: I have experience in SBA Loans, MCA’s, Business Term Loans, AR Factoring, PO Financing, Equipment Financing, Business LOC’s, merchant processing services, mortgages (both commercial and residential), underwriting, contract negotiation, financial analysis and projection, and business growth, and marketing

Paul Gillooly is a financial specialist and the Director of Dot Dot Loans, with over ten years of experience in subprime lending. With extensive knowledge of consumer finance in the UK, Paul is a reliable individual in the bad credit lending sector. At DotDotLoans.co.uk, he helps individuals with poor credit scores find appropriate lenders who can provide financial help. Paul also offers guidance on improving financial management and building better credit scores.

Expert management of all operational phases: projects, relation management/consultations, sales, marketing, underwriting, analysis, HR, networking, Salesforce.com administration, and leadership organization. Tactical management and leadership addressing full-scale company operations and administration on a daily basis. Skillful leadership and administration of underwriting department operations and personnel. Organize and direct internal sales department. Ensure leverage and growth of the company’s sales accounts providing recruitment, processes support, and direction to new and existing Independent Sales Offices. SpecialtiesSalesforce.com Certified Administrator | Management | Operations | Loan Underwriting | Project Management | Sales | Payment Processing | Merchant Services | Strategy | Technology | Software Design |

I’m Eric Pemper, Managing Member at CuraDebt, where I help consumers understand (and compare) real-world options for getting out of high-interest debt and resolving tax debt. I specialize in debt settlement fundamentals, creditor negotiation dynamics, IRS/State tax resolution pathways, and the practical “what actually works” steps people can take to reduce monthly pressure and regain financial stability. I’m frequently focused on the details that matter to readers: eligibility basics, common mistakes, hidden fees to watch for, how to vet companies, how timelines and outcomes really vary, and how credit is typically affected short-term vs. long-term. I also bring a compliance-first lens (advertising/telemarketing rules, disclosures, and consumer protection), so quotes stay accurate and editorial-safe. I’m happy to provide concise, actionable comments, quick myth-busting, and clear explanations for everyday readers—especially around credit cards, personal loans, budgeting under stress, debt relief alternatives, and tax payment/settlement options.

I’m Ben Rose, Founder and CEO of CashbackHQ (https://cashbackhq.com). CashbackHQ is a cashback comparison portal that monitors tens of thousands of cashback offers across dozens of websites. Our platform makes cashback and rewards programs simpler, more transparent, and genuinely valuable for purchase-minded shoppers. My perspectives on cashback strategies, consumer spending habits, side hustles, and personal finance have been featured on outlets like Investing.com, Marketing Magazine, USANews, and more. I'm happy to help supply reporters with both industry trends and how people can earn, save, and spend most effectively to hit their financial goals. Topics I’ve covered range from the psychology of purchasing decisions to the operational mechanics of running coupon- and cashback-related products. I always focus on providing advice that is rooted in data. Today, CashbackHQ serves thousands of users, collectively helping them retain millions of dollars each year. Under my leadership, the platform has grown into a trusted resource for consumers seeking to maximize rewards while avoiding the pitfalls common in the industry. In addition to running the business, I’ve developed expertise in affiliate marketing, SEO, customer acquisition, and digital product development — all with the goal of making complex financial tools feel straightforward and accessible. Before launching the company, I held senior roles in growth, user acquisition, biz dev, and partnerships within fintech, apps, and e-commerce.

James is a CPA, IRS Enrolled Agent, and Tax Resolution Specialist at CanvaTax (canvatax.com), where he helps individuals and businesses resolve complex tax issues including IRS debt, back taxes, and penalty relief through programs like the IRS Fresh Start Initiative. With hands-on experience navigating IRS negotiations and tax compliance, James provides practical, results-driven guidance to clients facing financial uncertainty.