“I lead by prioritizing the “why” behind every transaction, ensuring we solve genuine business challenges rather than just processing deals. I believe in balancing technological efficiency with deep human connection to foster long-term growth and trust with our clients.”

Mike Philbin, CFO of Targeted Lending Co., LLC, first entered the equipment finance industry as an 18-year-old intern. Initially captivated by the sheer diversity of businesses and equipment types the firm supported, Philbin found the variety inherently rewarding. While that initial excitement has remained a constant throughout his career, his professional perspective has significantly matured. He no longer views equipment finance merely as a series of transactions; instead, he sees the industry as a vital mechanism for empowering small and mid-sized businesses to grow, scale and achieve their long-term operational goals.

Over the past 18 months, Philbin’s most significant accomplishment has been working closely with capital partners to successfully expand Targeted Lending’s capital stack. This strategic move was instrumental in supporting the firm’s continued growth. Beyond high-level capital strategy, Philbin has also championed operational enhancements, specifically leading the integration of an API connection between the firm’s servicing system and Microsoft Dynamics CRM. This development provided the team with real-time access to customer data, allowing for more proactive, personalized support and a shift away from reactive service models.

Philbin describes his leadership style as one focused on the “why” behind the process. He advocates for a balanced approach where technology serves as a tool for efficiency, but never replaces the essential human connection required to understand a customer’s true challenges. He encourages new professionals to look beyond the paperwork, emphasizing that deep industry knowledge combined with genuine relationship-building creates the most lasting value.