Heather Smart, CFP , CEPA , APMA , CRPC - Roseville (CA)

Ashley Bowen I own a small chain of barber shops, and during one location’s renovation, I ran into unexpected plumbing issues that could have delayed our reopening. I applied for an MCA and was funded within two days. That quick cash allowed me to finish the job and reopen on schedule. What I appreciated most was the repayment model since its based on credit card sales, it adjusted during slower weeks. That flexibility was key. Without it, we would’ve lost weeks of income and disappointed our loyal clients.!!

pHbonz Ryan has been our financial advisor for several years now. I was always skeptical of getting an advisor and was a do it yourselfer in all matters. My wife started with Ryan first and after meeting him I felt comfortable that he was there for our benefit and was there to really give advice to help our retirement goals. He has a great depth of financial knowledge and how to best apply things to the needs of my wife and I. And he makes great caramel corn. I highly recommend him.