Ryan Heckman is the Founder and Managing Member of Advantage Commercial Credit Services, LLC (ACCS). Prior to founding ACCS, Ryan was with Azadian Group/Change Capital as the company’s Senior Vice President and Regional Director. In this role, Ryan was responsible for originating new opportunities to provide short-term financing to small and medium business which included bridge loans, junior lien term debt, and subordinated stretch pieces ad over-advances in conjunction with senior institutional lenders. Prior to Change Capital, Ryan held positions as Vice President of Business Development at LQD Business Finance and Vice President of Commercial Banking at Bank of America. Ryan received his B.B.A. in Finance and Management from Northwood University and his M.B.A. from Walsh College.

Kelly Moltzen has 20 years experience in administration, project management, and corporate controls. She has work experience across multiple verticals working for companies like Muller & Monroe Asset Management, Brixmor Property Group, and LQD Business Finance serving in capacities ranging from project management to Legal Affairs.

Kelly graduated Magna Cum Laude from Wayne State University with a degree in Economics. She also holds a certificate in Professional in Human Resources from the HR Certification Institute.