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Our experienced team can help your franchise business grow.

Equipment Loans

Finance the equipment you need at competitive rates. Outfit a new store, upgrade current equipment, and more.

Real Estate Loans

Purchase land or buildings with a loan tailored to your situation, backed by our years of experience and competitive rates.

New Store Development Loans

Meet the real estate and equipment needs of your new store.

Remodel Loans

Our progress payment program eases the remodeling process.

Refinance Loans

We can help simplify the task of refinancing your operation — receive a comprehensive review of your current debt and get a loan package to meet your needs.

Acquisition Loans

Expand your reach to include more restaurant locations. Enjoy competitive rates with reasonable prepayment terms.

    Partnership Restructuring Loans

    Grow your operation affordably and effectively. Buy out a partner or buy into another's business using existing assets as collateral.*

    Lines of Credit

    Use lines of credit to develop new stores — or upgrade restaurants with our easy progress payment program. Draw down what you need, when you need it.

    What our clients are saying...

    I have financed with Pacific Premier Franchise Capital three times in the past three years. They have always been quick, professional, very easy to work with, and their rate has been great. I have and will continue to use them and highly recommend them to other franchisees.”

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    Our Process

    • Discuss project with the franchisee to determine if there seems to be a fit; gather financial information and ask questions
    • Preliminary review of the financial strength of the deal and ask any questions
    • Loan proposal is issued if terms match needs of the franchisee and our requirements
    • If the franchisee accepts the proposal, it is signed and sent back to Pacific Premier along with a proposal deposit check
    • Project is submitted to credit for approval with more detailed information from franchisee; credit reviews deal, asks questions and makes a decision
    • If approved, commitment letter is issued and closing date is set; the needed documentation is gathered and processed for closing

    At Pacific Premier Franchise Capital, we want you and your business to grow and succeed. This is why we offer practical and conventional financing for experienced operators of our nation's top franchised restaurant brands. Formed in January 2014 via the acquisition of Infinity Franchise Capital by Pacific Premier Bancorp, Inc. We continue to grow and expand our services, reach and client base – without ever losing focus on your unique needs. The Pacific Premier Franchise Capital team is comprised of long-term industry lenders who are deeply committed to the sector.

    Meet our team

    Contact a Professional

    Select the option below that best represents your business needs, and we'll put you in touch with the right expert.

    Dennis Byun

    Business Development Officer

    Office: 949-526-0082
    Cell: 626-862-5848

    [email protected]

    Ritesh Shah

    1st VP/SBA Business Development Officer

    Office: 408-886-4296
    Cell: 408-205-1342

    [email protected]

    I have been in SBA/USDA lending since 2005, helping to fund more than $100 million in the past decade. I am fast, responsive, knowledgeable, and I focus on the intricacies of government guaranteed lending.

    Expertise in:

    Loan Products

    • SBA 7(a)
    • SBA 504
    • USDA B&I

    Industry Types

    • Hospitality
    • Gas stations/convenience stores
    • Office/Retail
    • Wholesalers/Distributors
    • Manufacturers
    • Self-storage
    • Assisted Living
    • Medical

    Aaron Hodgkins

    1st Vice President/SBA Business Development Officer

    Phone: 916-402-9577

    [email protected]

    I have been helping small business owners achieve their goals since 1996. Passionate about helping small businesses succeed and getting them the capital they need to fuel their growth, I have an open and transparent approach, and look forward to serving your needs to help your business grow.

    Expertise in:

    Loan Products

    • SBA 7(a)
    • SBA 504
    • USDA B&I

    Industry Types

    • Hospitality
    • Gas stations/convenience stores
    • Office/Retail
    • Wholesalers/Distributors
    • Manufacturers
    • Self-storage
    • Assisted Living
    • Medical

    Allan Hauptli

    VP / Marketing - Midwest

    Office: (201) 970-8564

    [email protected]

    Allan Hauptli has 25 years of experience in middle market lending, with 20 years in the franchise restaurant lending space. He serves the upper Midwest and Plains states. He previously held the position of Vice President, Account Manager for GE Capital Franchise Finance. Prior to that, he was a Sales Vice President position for Fleet Bank in their Restaurant Franchise Finance Division for 10 years. He holds a Bachelor of Science in Finance from Illinois State University and a Masters of Business Administration in Finance from DePaul University.

    Angela Machado

    1st VP / SBA Business Development Officer

    Office: 208-488-0729
    Cell: 415-265-8234

    [email protected]

    Angela has almost 20 years of SBA and USDA B&I lending experience, and is a graduate of Cal Poly, San Luis Obispo.

    Angela’s parents were self-employed dairy farmers, so she has a long-standing respect and admiration for small business owners. Angela is passionate about assisting small business owners, and helping them achieve their financial goals.

    Loan Type Expertise In:

    • SBA 7(a)
    • USDA B&I

    Industry Types:

    • Hospitality
    • Gas Stations/Convenience Stores
    • Office/Retail
    • Wholesalers/Distributors
    • Manufacturers
    • Self-Storage
    • Assisted Living
    • Medical

    April Rutten

    Account Manager, Southwest

    Office: (402) 289-0809

    [email protected]

    April Rutten recently rejoined the franchise restaurant lending industry after a brief stint in the medical recruiting field. She worked for more than seven years with Irwin Franchise Capital in the same South territory that she covers today with Marketing Vice President Melanie Gutzmer. A Nebraska native, Rutten is anxious to learn about franchisees' upcoming projects and financing needs.

    Cassandra "Cassie" Jeffryes

    Account Manager, West

    Office: (949) 526-7022

    [email protected]

    Cassandra Jeffryes is an Account Manager serving the Western United States. She has experience with sales, sales management, customer support, and banking. Before joining Pacific Premier Bank, Ms. Jeffryes worked for Pinnacle Bank and the Columbus Area Chamber of Commerce. She also worked as a Regional Manager for Educatius International, placing international students, and recruiting families and schools.

    Chuck Fletcher

    VP / Marketing - Mid-Atlantic

    Office: (201) 981-8318

    [email protected]

    Chuck Fletcher has more then 25 years in the middle market banking/commercial lending industry with over 15 of them in the branded retail/franchise food business. Prior to his involvement in franchise lending, he managed a team of salespeople who negotiated vendor finance programs at Citicorp, NA. During his tenure in franchise lending, he had been a partner and SVP/Sales at Peachtree Franchise Finance and held Sales Vice President positions for both FMAC and Finova Capital.

    Fletcher has a degree in Accounting from William Paterson University.

    Harman Malik

    1st VP/SBA Business Development Officer

    Office: 472-4260
    Cell: 559-513-1523

    [email protected]

    I have worked as SBA business development officer for more than a decade. I love working with small business owners, and helping them achieve their dreams. I love what I do, and I am fortunate enough to have job where every day is a different day. My team and I have closed a variety of loans, ranging from small loans as little as $143,000 for a business acquisition to large loans as big as $7 million under USDA. Contact me for your loan needs and together we can create more success stories.

    Expertise in:

    Loan Products

    • SBA 7(a)
    • SBA 504
    • USDA B&I

    Industry Types

    • Hospitality
    • Gas stations/convenience stores
    • Office/Retail
    • Wholesalers/Distributors
    • Manufacturers
    • Self-storage
    • Assisted Living
    • Medical

    Jenny Beaver

    Account Manager, Midwest

    Office: (630) 270-7736

    [email protected]

    As an Account Manager, Jenny Beaver serves the upper Midwest and Plains States. Jenny brings a vast background of human resources and customer service to her clients.

    A Nebraska native, Jenny holds a Bachelor’s Degree in Business Administration from Doane College.

    John Liu

    VP/SBA Business Development Officer

    Phone: 310-948-3060

    [email protected]

    John Liu has been in the banking industry since 1998 and has specialized in SBA lending since the start of his career. John has worked in various functions, from underwriting to business development to management. He understands the loan process in its entirety and has closed many loans for small and medium sized business owners in different industries, including hospitality, gas-stations, car washes, assisted living care, manufacturing, and many other business types.

    John looks forward to working with you and closing your loan and thanks you for the opportunity.

    Expertise in:

    Loan Products

    • SBA 7(a)
    • SBA 504
    • USDA B&I

    Industry Types

    • Hospitality
    • Gas stations/convenience stores
    • Office/Retail
    • Wholesalers/Distributors
    • Manufacturers
    • Self-storage
    • Assisted Living
    • Medical

    John Rinaldi

    Executive Vice President, President of Franchise Lending

    Office: 201-746-6941 

    [email protected]

    As a franchise restaurant finance industry veteran of more the 20 years, John Rinaldi brings a wealth of experience as EVP/Director of Franchise Lending at Pacific Premier Franchise Capital. He leads a team that has worked together in various organizations within the industry.

    Rinaldi is the past President and CEO of Infinity Franchise Capital and Irwin Franchise Capital, the strong predecessor of First Franchise Capital. Prior to those engagements, he was the executive vice president and chief executive officer of Franchise Capital Services, executive vice president of Federated Capital Corporation and senior vice president and chief executive officer for Bell Atlantic Capital Corporation. He held the positions of Chief Financial Officer, Chief Operations Officer and President of FMAC.

    Joshua James

    SBA Business Development Officer

    Office: 619-788-5762
    Cell: 619-455-7978

    [email protected]

    Joshua James has been in the banking industry since 2010 – specializing in SBA / USDA financing since 2012 as a Relationship Manager, Credit Underwriter, and Business Development Officer. He actively pursues the best financing solution for his customers and referral sources; working hand in hand with business owners to make the lending process as quick and painless as possible. In the past five years, he has successfully helped to close over $125M in SBA and USDA loans – with projects historically ranging from $230,000 up to $7,000,000.

    Joshua holds a B.A. in Accounting from San Diego State University and M.B.A. in Finance from Keller Graduate School of Management.

    Expertise in:

    Loan Products

    • SBA 7(a)
    • SBA 504
    • USDA B&I

    Industry Types

    • Hospitality
    • Gas stations/Convenience stores
    • Office/Retail
    • Wholesalers/Distributors
    • Manufacturers
    • Self-storage
    • Assisted Living
    • Medical

    Lloyd Droller

    Senior Vice President, Credit Manager

    Office: 201-746-6945

    [email protected]

    Lloyd Droller has more than 35 years of experience in underwriting loans, risk management and portfolio management. He has been a Chief Credit Officer in the franchised restaurant lending industry for more than 20 years. Droller has also worked in the healthcare, science, technology and graphic arts and broadcasting industries.

    He earned a bachelor of science degree in business administration at the University of Hartford.

    Melanie Gutzmer

    VP / Marketing - Southwest

    Office: (201) 744-8501

    [email protected]

    With more than 25 years of financing experience, Melanie Gutzmer has worked in the franchised restaurant finance industry for 15 years. She has consistently been a leading sales producer in various territories across the United States, and is currently serving franchisees in the South territory. Gutzmer attended the University of Nebraska-Lincoln, and previously worked with United Capital, First Franchise Capital and Irwin Franchise Capital.

    Michael Vallorosi

    EVP / Director of Franchise Lending

    Office: 201-716-6935

    [email protected]

    As a franchise finance industry veteran of more than 20 years, Michael Vallorosi brings creativity, growth, and leadership to his position as EVP/Director of Franchise Lending at Pacific Premier Franchise Capital. 

    Vallorosi is the former Managing Director and Group Head of Franchise Finance at CIT Bank.  Prior to CIT Bank, he served as Head of Franchise Finance for TCF Bank and co-established a new Franchise division for Pitney Bowes where he held the position of Director of Sales. 

    Michael holds an MBA in Finance from Fordham University.

    Philip Demings

    VP/SBA Business Development Officer

    Office: 972-701-1132
    Cell: 972-898-5835

    [email protected]

    Loan Products

    • SBA 7(a)
    • SBA 504
    • USDA B&I

    Industry Types

    • Hospitality
    • Gas stations/convenience stores
    • Office/Retail
    • Wholesalers/Distributors
    • Manufacturers
    • Self-storage
    • Assisted Living
    • Medical

    Sandip Patel

    VP / SBA Business Development Officer

    Phone: 732-500-2034

    [email protected]

    Sandip Patel has been in the financial services industry for over 9 years, specializing in both commercial and SBA/USDA loans. He has expertise in underwriting, closing, and servicing loan portfolios. However, it was his experience serving as a consultant for commercial businesses (mostly startups) for many years, that instilled in him a passion for helping small businesses. Sandip assists his customers with their financing needs, while attempting to deliver the best possible customer service experience throughout the entire loan process.  Sandip is also fluent in English, Gujarati and Hindi.

    Loan Type Expertise In:

    • SBA 7(a)
    • USDA B&I

    Industry Types:

    • Hospitality
    • Gas Stations/Convenience Stores
    • Office/Retail
    • Wholesalers/Distributors
    • Manufacturers
    • Self-Storage
    • Assisted Living
    • Medical
    • Liquor Stores
    • Child Care Centers

    Sara Groteluschen

    Account Manager, Mid-Atlantic

    Office: (201) 744-8265

    [email protected]

    As an Account Manager since 2015, serving the Mid Atlantic Territory, Sara Groteluschen has a background in sales and marketing, having worked in advertising sales at a local newspaper for more than 10 years. A Nebraska native, she attended Southeast Community College in Lincoln, NE.

    Sarah Gehring

    Account Manager, Southeast

    Office: (404) 751-2825

    [email protected]

    Sarah Gehring is an account manager serving the Southeast States. Having worked most recently as an HR Business Partner, Sarah brings a background of banking, customer service, and human resources to her clients. A Midwest native, Sarah studied Accounting at Central Community College.

    Scott Muir

    VP / SBA Business Development Officer

    Phone: 661-993-5300

    [email protected]

    Scott Muir attended Brigham Young University focusing on Business Management, Finance, and Accounting. This academic emphasis, paired with his 32 years of commercial banking specializing in SBA and USDA Lending, enables him to bring a unique, and customer-centered approach to Pacific Premier Bank.

    Based out of Lehi, UT, Scott is committed to working nationwide with small business owners looking to expand, develop, and refinance their dreams.

    Expertise in:

    Loan Products

    • SBA 7(a)
    • SBA 504
    • USDA B&I

    Industry Types

    • Hospitality
    • Gas stations/Convenience stores
    • Office/Retail
    • Wholesalers/Distributors
    • Manufacturers
    • Self-storage
    • Assisted Living
    • Medical

    Sean Kenney

    VP / Marketing - Southeast

    Office: (201) 970-8447

    [email protected]

    Sean Kenney has been in the banking/commercial finance industry since 2004, and most recently held the position of Officer at PNC Franchise Finance. His territory at Infinity Franchise Capital includes the Southeast United States. Sean is a graduate of the University of Cincinnati where he received a Bachelor of Business Administration with a major in Finance, and minor in International Business.

    Sharon Soltero

    1st Vice President, Franchisor Relations & Marketing

    Office: 402-562-1801

    [email protected]

    Sharon Soltero has worked in the franchise restaurant finance industry since 2004. She facilitates communication between the nation's most successful restaurant brands and Pacific Premier Franchise Capital as well as develops and manages all marketing and advertising activities. Additionally, she assists other financial professionals in brokering deals to Pacific Premier. Previously, she was the Corporate Communication Manager for Nebraska Public Power District.

    She holds a bachelor's degree in organizational communication with a minor in journalism from Wayne State College.

    Suzanne Tellis

    VP / Marketing - West

    Office: (949) 861-2007

    [email protected]

    Suzanne Tellis has over 20 years of franchise finance experience both in restaurants and retail petroleum. She previously worked for Citizens Bank, Infinity Franchise Capital, and Citi Capital holding positions in documentation, credit underwriting, and relationship management. Before her career in restaurant finance, Suzanne worked as a Finance Manager in the restaurant industry. Ms. Tellis received a Bachelor of Arts degree in Business & Finance from California State University Fullerton.

    Tom Melchior

    VP / Marketing - Northeast US

    Office: (201) 248-6235

    [email protected]

    Tom Melchior serves as the marketing vice president for the Northeast territory. With 20 years of experience underwriting franchised restaurant loans with companies such as Textron, First Franchise Capital and FFCA, Tom has a tremendous depth of knowledge of a restaurant company's financial statements. This gives him a unique ability to structure loan packages to help maximize a franchisee's profitability. Tom holds an MBA and BSBA in Finance/Real Estate from the University of Nebraska.

    Wade Hickok

    VP/SBA Business Development Officer

    Office: 310-531-1724
    Cell: 503-929-8261

    [email protected]

    Wade Hickok is top producer at Pacific Premier Bank as a result of his passion for helping small business owners. With more than six years in SBA lending, Wade has financed nearly every type of SBA CRE transaction, and many varieties of business acquisitions and partner buy-outs. Wade’s rich professional experience includes project management in the oil & gas industry and equity analysis for investment funds. Wade is also a former United States Marine and a Navy Achievement Medal recipient.  Wade holds a B.A. in Finance from Portland State University and an MBA from UCLA Anderson School of Business. He is an avid supporter of the Surfrider Foundation and Wounded Warrior Project. 

    Expertise in:

    Loan Products

    • SBA 7(a)
    • SBA 504
    • USDA B&I

    Industry Types

    • Hospitality
    • Gas stations/convenience stores
    • Office/Retail
    • Wholesalers/Distributors
    • Manufacturers
    • Self-storage
    • Assisted Living
    • Medical

    Sharon Soltero

    1st Vice President, Franchisor Relations & Marketing

    Office: 402-562-1801

    [email protected]

    Sharon Soltero has worked in the franchise restaurant finance industry since 2004. She facilitates communication between the nation's most successful restaurant brands and Pacific Premier Franchise Capital as well as develops and manages all marketing and advertising activities. Additionally, she assists other financial professionals in brokering deals to Pacific Premier. Previously, she was the Corporate Communication Manager for Nebraska Public Power District.

    She holds a bachelor's degree in organizational communication with a minor in journalism from Wayne State College.

    Sharon Soltero

    1st Vice President, Franchisor Relations & Marketing

    Office: 402-562-1801

    [email protected]

    Sharon Soltero has worked in the franchise restaurant finance industry since 2004. She facilitates communication between the nation's most successful restaurant brands and Pacific Premier Franchise Capital as well as develops and manages all marketing and advertising activities. Additionally, she assists other financial professionals in brokering deals to Pacific Premier. Previously, she was the Corporate Communication Manager for Nebraska Public Power District.

    She holds a bachelor's degree in organizational communication with a minor in journalism from Wayne State College.