Meet Our Editorial Board

Deborah Baker 

Head of Worldwide Leasing and Financing

Deborah Lilley Baker is a finance veteran with over 20 years’ experience supporting captive and vendor financing.  Deb joined HP in August 2018 as the Head of Worldwide Leasing and Financing.  Deb is responsible for driving contractual business growth through an optimized, profitable multi-vendor leasing and financing GTM solution.

Deb joined HP from Cisco Systems Capital Corporation where she served as Senior Director, Global Portfolio Services, supporting a $12B Global Portfolio of ~5000 lease and loan customers in over 100 countries, maximizing sales enablement and ensuring fiduciary responsibility.  As a Six Sigma Champion and Talent Ambassador, Deb is passionate about Process Improvements, Learning and Development and Talent Management.  She is an active member of the US Equipment Leasing and Financing Association’s Women’s Council, currently serving as the Council’s incoming-chair.

Prior to joining Cisco Capital in 2011, Deb spent 10 years with Hewlett-Packard Financial Services at their headquarters in New Jersey supporting end user financing products in the US, Canada and US Public Sector as well as internal (embedded lease) financing products.  Prior to Hewlett-Packard Financial Services, Deb held a variety of roles with CIT (formerly AT&T Capital), including roles in Business Development, Sales and Operations.

Deb holds a BS in Business Administration and an MBA from Fairleigh Dickinson University in Madison, NJ.  Deb currently resides in Chapel Hill, North Carolina with her husband Chris. Their son Griffin is studying Architecture at the University of North Carolina at Charlotte.  Outside of work, Deb enjoys cooking, hiking, and bicycling.



Vincent Belcastro 

Group Head, Syndications
Element Fleet Management

Vincent (Vince) Belcastro is Group Head, Syndications at Element. He is based out of New York City and works closely with the sales and finance teams across Element Fleet Management. Belcastro is a seasoned and entrepreneurial financial executive. He plays a key role in building out Element’s multi-billion syndication capability and strengthening and de-risking its investment-grade balance sheet. Belcastro is a senior credit professional and expert structuring specialist with more than 20 years of secured financing and leveraged finance experience primarily in the corporate credit markets arena. During this time he has covered companies in a wide array of diverse and unique industry sectors.

Areas of expertise:
Equipment Finance and Leasing
Leveraged Finance
Asset Based Lending
Distressed Restructuring and Investing

Prior to being named Group Head of Santander Corporate Equipment Finance Belcastro served as the Group Head of Equipment Finance at CIT. During his 13 year tenure there he also served as senior risk officer within CIT Corporate Finance group. He was instrumental in the launch, team build-out and integration of CIT’s Problem Loan Management and Healthcare groups. Before joining CIT in 2001, he served in a variety of senior relationship management positions at Citibank N.A. where he was responsible for sourcing and structuring new corporate financing and leasing transactions. Prior to Citibank, he held several transaction-oriented credit positions, at both Republic National Bank and Deutsche Bank, supporting deal-related financing activities in Latin America and Asia.

He is an active member of the Commercial Finance Association, Equipment Lessors and Finance Association, American Bankruptcy Institute and the Turnaround Management Association. He is also active as Board Advisor to a middle market manufacturing company. Belcastro received his BS degrees in Economics and Finance from Saint Francis College. He also completed the Deutsche Bank credit training program.



John  Bober

Managing Member
XIL Lease Advisory

John chairs the accounting and reporting committee of the Equipment Leasing and Finance Association (ELFA) and was the 2014 recipient of the ELFA’s Distinguished Service Award. As the managing member at IXL Lease Advisory, LLC, John specializes in lease accounting and financial reporting. He is a senior consulting advisor to Ernst & Young LLP.

John recently retired after a 23-year career with GE Capital, where he primarily focused on vendor finance arrangements and the leasing of equipment as well as managing all aspects of General Electric Company’s Financial Accounting Standards Board (FASB) and International Accounting Standards Board (IASB) lease accounting project. He has been active in the accounting standards setting process, having served on both the Emerging Issues Task Force and the Accounting Standards Executive Committee working groups. John was a member of the joint FASB and IASB international working group on lease accounting. Active in Financial Executives International, he is the past chair of their leases working group.

John joined GE Capital in 1995 and held various positions in finance, risk and general management within GE Capital and GE Energy Financial Services. He managed the group within GE Energy Financial Services responsible for the analysis of economic returns from equity and debt investments, project financings, partnerships and large ticket leases, including lease pricing.  Prior to joining GE in 1995, John was a partner with an international accounting firm, based in both Jakarta, Indonesia and New York. He frequently speaks at industry conferences on matters related to current developments in finance and accounting.

John has a BA in History from Tulane University. He is also an MPA from the University of Texas at Austin and is a member of the Department of Accounting Advisory Council and a past member of the McCombs School of Business BBA-MPA Alumni Advisory Board.



Tina Cartwright 

CLFP — SVP/Director, Information Technology and Operations, Equipment Finance
U.S. Bank

Tina Cartwright is a Senior Vice President of US Bank and is responsible for Equipment Finance Information Technology Strategies, Security, Project Management, Facility Operations, Source Integration and Professional Development Programs. She began her career in January of 1997 with Lyon Financial, a small ticket leasing company. Lyon Financial was later acquired by US Bank in September of 2000.

Throughout her career, she has held a variety of positions within the organization working for both the Equipment Finance lines of business, as well as the Technology and Operations teams.  Her responsibilities have included Credit Analyst, Credit Manager, Business System Analyst, Project Manager and most recently Director of Information Technology and Operations.

Following her first year of college at the University of Minnesota, Tina transferred to Southwest Minnesota State University in Marshall, MN where she earned a Bachelor of Science Degree in Business Management and Accounting.  She has also completed US Banks Leadership Excellence Executive Development Program, the High Potential Leadership Program at Harvard University in Boston, MA and was recognized by the Cannata Report for being a Women Influencer in 2016.

Tina is currently a member of the ELFA’s (Equipment Leasing Finance Association) Survey Committee and a member of the SMSU Foundation Board. She supports the local Children’s Cancer Association volunteering as a Chemo Pal and has also been active with the local Toastmasters Club, Big Brothers and Big Sisters of South Dakota and the American Heart Association.

After relocating from South Dakota, Tina and her husband now live in Portland, OR. They enjoy traveling, exploring the Northwest’s magnificent wine country, and sailing in the British Virgin Islands.



Colleen Daly

Chief Marketing Officer
American Lease Insurance

Colleen Daly-Tinkham is chief marketing officer at American Lease Insurance where she focuses on expanding and focusing ALI’s marketing efforts to small-ticket equipment and vehicle leasing and financing companies and their brokers and vendors and small-business customers.Colleen has more than 25 years of experience developing comprehensive marketing and communications strategies based upon organizational goals and objectives.

Colleen has extensive experience managing marketing strategy, content marketing, public relations, websites, blogs, social media, email campaigns, interactive infographic landing pages and demand generation. She is a strong collaborator who will work closely with our clients to leverage our PR and marketing resources to help them achieve their objectives.

Prior to joining Susan Carol Creative, Colleen worked for Key Equipment Finance for over 14 years, leading all marketing and PR activities. She managed a team of internal and external professionals and worked closely with senior leadership to implement marketing initiatives to support sales and revenue generation. Colleen also created partnership marketing and demand-generation initiatives to support vendor partner program growth.

Prior to Key, Colleen worked for American Express in a variety of marketing and client management roles. She currently serves as Chair of the Equipment Lease and Financing Association’s Communications Committee. Colleen is an honors graduate of the University of New Hampshire.

Chris Enbom

Allegiant Partners and Work Truck Direct

Chris Enbom is CEO of Allegiant Partners (dba AP Equipment Financing) and its sister company Work Truck Direct Inc. (dba WTD Equipment).

The mission of Allegiant Partners Incorporated is to provide fast, flexible, and knowledge-based financing, sourcing and other equipment solutions for small businesses. Allegiant uses top human talent and technology to develop creative, mutually beneficial and profitable programs for businesses within targeted industries.

Allegiant Partners is a lending source for small businesses that need equipment financing but do not want to experience the typical “red-tape” of more traditional lenders. Allegiant has financed over 10,000 small businesses throughout the United States since 2000.

Work Truck Direct is a quickly growing medium-duty work truck and equipment dealer with locations in Portland, Seattle and Yuba City.  Work Truck Direct serves the package delivery, arbor, septic, plumbing, HVAC and Cleaning/Restoration businesses sectors.

Mr. Enbom is past President of NEFA, past board and executive committee member or ELFA, and currently serves on the board and research committee of the ELFF.



John Hurt

Director, Digital Business Advisory Practice
The Alta Group

John A. Hurt was most recently senior vice president of technology for MB Equipment Finance. He has more than 20 years of senior-level Information Technology experience. During his expansive career in the leasing industry, Mr. Hurt has been instrumental in designing and applying technology to support lease and loan originations, national sales teams, customer relationship management platforms, and process improvement initiatives.

From 2012 until the merger with MB in 2014, Mr. Hurt was senior vice president of technology during the startup of Cole Taylor Equipment Finance. Responsible for strategic system design, evaluation, selection and implementation of all core systems.  Prior to that, he was Senior Vice President of Information Systems for LaSalle National Leasing (now part of Banc of America Leasing). During his nine-year tenure at LaSalle, he was responsible for developing IT strategies for the company’s U.S. and Canadian leasing divisions and pioneered the development of a market-leading sales management strategy. Previously, Mr. Hurt spent four years as Director of IT for The Time Group and Harbor Leasing Associates (now Madison Capital) and also served as head of IT during the startup of Fieldstone Mortgage Company. He designed Fieldstone’s IT infrastructure as it grew to an organization with 400 employees in 17 offices. In addition, Mr. Hurt founded Creek View Consulting Group, a company that assisted growing businesses in developing strategies to leverage technology to enhance sales force effectiveness and enhance back office efficiency.

He served on the Technology Committee for the Equipment Leasing and Finance Association (ELFA) and the ELFA technology award review committee.

Mr. Hurt holds a B.S. from Towson State University.



Robert Moskovitz

Chief Finance and Administrative Officer
TimePayment Corp.

Mr. Moskovitz’s career includes over 30 years of experience as a Chief Financial Officer of both publicly owned and investor sponsored companies. For the past 14 years, Mr. Moskovitz was the Chief Financial Officer at LEAF Commercial Capital, a leading vendor focused, small ticket equipment finance company, until its acquisition by People’s United Bank. He led LEAF’s financial growth from the early stages through its successful sale in 2017. Mr. Moskovitz began his professional career with Deloitte (formerly Touche Ross & Co). A Certified Public Accountant (inactive), CGMA- Certified Management Accountant, member of AICPA and PICPA, he holds a B.S. degree in Business Administration from Drexel University. Mr. Moskovitz is also a long-time member and committee executive with the Equipment Leasing and Finance Association (ELFA).



Deborah Reuben, CLFP

Reuben Creative

Deborah Reuben, CLFP is an industry consultant with more than 20 years’ experience innovating in the leasing and equipment finance industry, Deborah has held positions with Wells Fargo, TCF, Linedata, and today consults with a variety of companies. She authored the Certified Leasing and Finance Professional Handbook Sixth Edition and is a frequent speaker at industry events. She currently serves on the ELFA Board of Directors and chairs the ELFA Technology Innovation Working Group.

Known for connecting the dots in unconventional ways, her unique industry experience, creative facilitation approach, and a keen eye for future trends enables her to bring forward-thinking insights and original ideas to developing roadmaps for the future.

A catalyst for fresh ideas, she designs and facilitates engaging experiences inspiring both technical and non-technical professionals to see the big picture and uenderstand th impact of technology, process, and customer experience from new perspectives. A trusted advisor for leaders who want to leverage cutting-edge technology to achieve their business goals, she helps teams to see the bigger picture, understand technology possibilities, stretch the imagination of what could be, and chart a course for transformative change.


Michelle Speranza

SVP, Chief Marketing Officer
LEAF Commercial Capital, Inc.

Michelle Speranza, LEAF Senior Vice President and Chief Marketing Officer, has been with the company since 2005, where she leverages extensive expertise in creating results-driven marketing and public relations campaigns with a strong emphasis on brand building, lead generation and customer retention. A strategic leader with deep experience developing omnichannel campaigns for diverse target audiences, Michelle was a marketing professional for the Walt Disney Company and The Philadelphia Inquirer prior to joining LEAF. A graduate of Gwynedd-Mercy College, Michelle has also served as chair of the Equipment Leasing and Finance Association’s Communications Committee.



Tawnya Stone

VP, Strategic Technology
GreatAmerica Financial Services

In her role as VP, Strategic Technology, Stone is a member of the GreatAmerica Office of the CIO. The Office of the CIO makes decisions that set the technology direction of the company and include ideation, strategy, solution delivery, and operational decisions. In this role, Tawnya is responsible for customer-facing tools and products across various GreatAmerica business units. She works in close collaboration with business unit and functional leadership and external technology partners. Tawnya joined GreatAmerica in 2011 and since that time has served in a number of roles that have blended technology and customer facing activities. Prior to joining GreatAmerica she worked for Philips Electronics and Verizon Communications in the Washington, D.C. metro area.

Tawnya also is a member of the Technology and Operations committee within the ELFA. She was recognized by ENX as a Difference Maker in 2016 and 2018.

Tawnya is a Certified Lease and Finance Professional and earned her B.S. in Management Information Systems from Iowa State University in 1995 and her M.B.A. from Marymount University in 1999.



William Verhelle

Founder & CEO
Innovation Finance

Bill is the Founder of of Innovation Finance, Harvard Partners and First American Equipment Finance.

Bill currently serves as the CEO of Innovation Finance USA LLC, developer of the QuickFi 24/7 national business lending platform. Before starting Innovation Finance in 2018 and Harvard Partners LLC in mid-2015, Bill served as the cofounder and CEO of First American Commercial Bancorp, Inc. d/b/a First American Equipment Finance (from its launch in 1996 until his retirement as CEO in 2015).

While a student at the Cornell Law School in 1996, Bill Verhelle founded First American. He sold the business to City National Bank in 2012, continuing to serve as CEO of the independently managed company until 2015.

First American, headquartered in Fairport, NY, with well over $1B in assets, finances capital equipment for many of the largest hospitals, colleges, universities, enterprise businesses and non-profit organizations in the United States.

Before founding First American, Bill was Vice President and Western Division Manager of the Tokai Bank of Japan’s middle-market leasing company (now De Lage Landen Financial Services in Wayne PA, a wholly-owned subsidiary of the Dutch, Rabobank).

Bill has a Bachelor of General Studies Degree (BA) from the University of Michigan at Ann Arbor, a Master in Business Administration (MBA) from the Anderson School at UCLA and a Doctor of Laws (JD) from Cornell Law School. Bill is a member of the New York Bar Association.

During 2008 Bill served as the Chairman of the Equipment Leasing and Finance Association (ELFA) in Washington, D.C. During 2016 and 2017 Bill served as the Chairman of the Equipment Leasing and Finance Foundation. Bill currently serves on the editorial board of the commercial equipment finance industry publication: The Monitor.

Bill and his wife Cyndee and their four children live in Naples, Florida.



Adrian Weber

President & CEO
Entegra Capital

Adrian is President & CEO of Entegra Capital LLC, a direct funding source for commercial work trucks, trailers, construction, agricultural and aviation ground support equipment offering nationwide finance programs for start-ups as well as established businesses.



David Wiener

Managing Director, Client Relations
The Alta Group

David Wiener has been respected in the disciplines of sales, credit, and capital markets/syndications within the equipment finance industry for more than 30 years. As an expert in transaction and portfolio pricing and negotiation execution, he has managed or collaborated with capital markets staff collectively closing over $50 billion in portfolios and transactions. He has created full capital markets syndications capabilities for three of the top-10 vendor leasing organizations in the U.S.

As a consultant with The Alta Group, David is engaged in client relations efforts. He has served customers on a wide array of equipment finance engagements:  acquisition due diligence, process improvement, bench-marking studies, market entry strategy, de-novo equipment finance platform creation and vendor program assessment.

Prior to his work at Alta, David gained broad industry management experience as a transaction leader at LEAF Financial, GE Capital Markets, Tokai Financial Services, and Maryland National/MNC Leasing. He is a past recipient of the GE Capital Pinnacle and Tokai Winners Circle awards. David has utilized Six Sigma quality tools and e-commerce initiatives for process improvement. He directed an effort to internationally outsource capital markets analytic activities, a cost saving endeavor that reduced deal evaluation cycle time recognized as a best practice within the world’s leading international outsourcing company.

He is regarded as a leading authority on equipment finance data and demographics analysis. From 1982 to 2006, Dave served on the ELFA Research Committee.  He was a 2004 recipient of the ELFA Distinguished Service Award.  In his industry volunteer service, Dave also has served as a trustee on the Equipment Leasing and Finance Foundation, and was personally instrumental in commissioning research resulting in the publication of more than 40 major industry reports.