Our Story

Financing for the entrepreneur by the entrepreneur. That's the foundation upon which Lenders Commercial Finance was born. The entrepreneurs that created Lenders Commercial Finance are entrepreneurs just like you.

Diverse backgrounds in technology, supply chain management, domestic & international logistics put the founders in the perfect spot to understand your financing needs. Put simply, they have been there and done that.

In addition to providing growth capital for your company, we bring a team of seasoned entrepreneurs to your doorstep. Let us work with you as you take your company to the next level.

Are you ready to put our experienced team of entrepreneurs to work for you?


Chief Executive Officer Steve Tarpley and Chief Financial Officer Ken Wilkens have started a number of successful businesses going back to the late 80's. Most notably was the formation of NewCal Industries in 1992 that grew into one of the top ten office equipment dealers in the country. In 2008, NewCal Industries was acquired by Canon USA. Ken & Steve know the power using an alternative finance company. In the early days, they grew NewCal by using a working capital financing firm. And now they bring that experience to you.

President Richard Sapienza comes from a thorough background in the apparel and distribution business. In 1990, Richard founded Impac Logistic Services, a third party logistics business. Through an aggressive growth strategy, Richard expanded his business while helping companies streamline their operations creating efficiencies to operate profitably. At the height of its success, Impac operated out of over 2,000,000 square feet, with 1200 employees. In 2006, Impac was sold to Li and Fung, one of the world's largest sourcing companies. Li and Fung utilized Impac as the platform for their US logistics business.

Chief Operating Officer Calvin McGinnis was brought on to help design the original business model and run the day-to-day operations of Lenders Commercial Finance. Cal has over 30 years of experience working with small business owners; both as a commercial lender and as a trade credit specialist.

You too can take advantage of these important tools to unlock the working capital tied up in your open purchase orders and accounts receivable. Invoice financing from LCF works much like an accounts receivable line of credit; collections pay down your line and new invoices allow you to draw upon your line. Purchase order funding can be added to increase your flexibility. Our goals are to help you obtain the working capital you need, when you need it.

Unlike commercial bank financing, our focus is on:
the strength of your business model,
the experience and integrity of the business owners, and
the quality of the cash flow these generate.

Unlike traditional accounts receivable factoring, LCF offers:
Flexible structuring to match your specific requirements.
Pricing based on the amount you borrow, charged at convenient daily rates.
No hidden charges and no exit fees.

Full Cycle Working Capital Financing
No application or setup fees.
No early termination fees.
No hidden fees of any kind.
Start when you'd like; stop when you are ready.

Give us a call, e-mail us, or submit an online application to get started.




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