Senior consultant with 30 years in the commercial finance and infrastructure insustry, and owner of Pendulum Business Group Inc. Experience in all aspects of business development, sales training, problem solving, Web development and exposure, insurance, taxation, and commercial financials. As a commercial loan underwriter for 12 years, there are few situations I have not seen, and was able to assist with. Since 2001, 21,000 loan package reviews, and over 1 billion in funded financing. Well balanced and an expert in commercial cash flow, profit and capital retention.