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Alternative Financing Options

Not every business’ need for financing fits into traditional banking guidelines, sometime you have to be more creative.  Learn more from a panel of experts who have worked with businesses and alternative financing and non-traditional options. Topics to be covered will include: SBA 504 loans, financing options to be used as an interim step when a business is not quite bankable, the other types of loan funds in Delaware, how you can use your retirement savings to help fund your business and crowd funding.


Date: Oct. 5, 2018
Time: 11:00 am – 1:00 pm

Venue: Baywood Greens Golf Course
32267 Clubhouse Way Long Neck, DE 19966

Delaware Business Times has partnered with the Small Business Development Center of the University of Delaware, an affiliate of the SBA, to produce workshops assisting small and family-owned businesses.

Tickets Available Here


Rachel Baldini, Vice President, Director of Lending, First State Community Loan Fund


Rachel Baldini serves as Director of Lending for First State Community Loan Fund. She manages all lending activities, which includes loans made under small business and community development programs. Such lending activities include loan underwriting, loan origination, loan servicing, and portfolio management. She has a Bachelor of Science Degree in Finance and Business Administration from the University of Delaware. 





Candice Caruso, Vice President, WSFS, Director Government Guaranteed Lending

Candice Caruso is the Vice President of WSFS Bank, with close to 20 years of experience in the financial services industry and 10 years as an innovative business funding expert.  She brings a wealth of experience in the areas of franchise financing, business management, startup, retirement planning and compliance.   Her expertise have been featured on Bloomberg Radio, CNBC’s Closing Bell, The Wall Street Journal and Franchising World to name a few.  Candice has had the opportunity to help fund thousands of businesses over the years with conventional and creative business funding tools. 





Kevin Fasick, Co-Founder & Principal, Ross Capital Partners

Kevin Fasick is a co-founder and Principal of Ross Capital Partners. As a commercial mortgage broker and direct lender of short-term bridge loans, Kevin provides a full suite of loan products tailored to fit the needs of any small business owner or real estate investor. He is a member of the Commercial-Industrial Realty Council and sits on the Advisory Board for the New Castle County Chamber’s Emerging Enterprise Center. Kevin holds a degree in Finance from the University of Delaware.





John Graham, Business Development Manager,
Pango Financial

John Graham joined Pango Financial as Business Development Manager in December 2017.  John has worked in the insurance and financial services industry for over 25 years in various home office and field positions. He has held various positions with Nationwide Financial, AIG, ACE Group and Cigna.  More recently John worked for a corporate legal services company where he managed their affiliate program, a regional sales team and secured national partnerships. He is also accomplished public speaker and has spoken at national and regional sales conference for over 20 years.





Moderator – Margo Reign, Small Business Development Center

Margo Reign, Small Business Development Center

Margo Reign is a business advisor in New Castle County and has been with the SBDC since 2014. She had previously been with the SBDC as a business advisor and then Director of the Family Business Center from 1997 to 2005.  In between, Margo was a commercial lender with Artisans’ Bank and a Vice President with Wilmington Economic Development Corporation (WEDCO) where she specialized in SBA 504 lending.  Prior to the SBDC she was a commercial lender with Mellon Bank and Bank of Delaware before their merger with PNC.  Margo’s work with businesses primarily involves their finances, including helping to prepare loan packages, doing cost analysis to improve profitability and/or helping to prepare projections. 



The Delaware Small Business Development Center (SBDC) is a unit of the University of Delaware’s Office of Economic Innovation and Partnerships (OEIP) and is funded in part through a cooperative agreement with the U.S. Small Business Administration (SBA) and the State of Delaware. The SBDC abides by all non-discrimination and accessibility policies of the University of Delaware. Reasonable accommodations for persons with disabilities will be made if requested at least two weeks in advance. Contact the Delaware SBDC by email at Delaware-sbdc@udel.eduor by phone 302-831-1555 to inquire.For event sponsorship information, email advertising@delawarebusinesstimes.comor call 302-504-1276.

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