joined American Finasco in 2016.  Prior to that he owned several businesses of his own including a Merchant Cash Advance company.  His experience with MCA has been very valuable to American Finasco’s negotiation efforts in that industry as we now have a better understanding of how they operate and are motivated.  Ralph’s experience as a business owner who knows the pressure of paying creditors and making payroll has also helped him related to and strategize with our clients.  Ralph has a Bachelor’s Degree in Finance from NYU.