I have 31 years of experience and specialize in the field of banking and finance with specific knowledge in the areas of small business lending, small business management and troubled transaction workout. I have published on such topics as SBA loans, small business finance and how to negotiate with a bank. I have testified 25 times on topics such as credit defaults, bank loan commitments and transactional matters. I have been involved in over $300 million worth of small business loan transactions, $15 million in venture capital transactions, and negotiated to borrow over $5 million on behalf of enterprises I was employed by or owned.