Your Future Starts Now
High Energy, Fast-Paced Environment. Competitive Pay. Growth Opportunities. Work that makes a difference.
OPEN OPPORTUNITIES
Collaborative
Work Environment
From marketing and sales, to underwriting and accounting, we are a group of smart dedicated individuals that come together each day to make our customers successful. Every door is open – you can converse with the CEO, heads of departments, managers…anyone and know that are you are truly being heard and your ideas are being considered.
Work Hard,
Play Hard Mentality
The work we do each day plays a crucial role in the success of small businesses across the nation. So we take our jobs seriously. We work hard, with passion and determination. And when we succeed we celebrate just as hard with weekly contests, cash prizes, trips, dinners, events…and even in-office ping pong tournaments.
Working for an
Industry Leader
When you work for Kapitus, you are working for one of the top small business alternative lenders in the U.S. You will be part of a high energy, fast paced work environment that offers competitive pay, comprehensive benefits package, additional perks and incentives along with growth opportunities for the right candidates.
“The growth we’ve seen year over year for the past 12 years says everything about Kapitus. We have built a strong team that is eager to contribute, take risks and continuously push the company forward. We are a group of hard-working, passionate, and smart people coming together each day to make a difference in the lives of business owners. We take our work seriously, but we have a great time doing it!”
-Andrew Reiser
CEO
Modification Underwriter
Position Description:
The Modification Underwriter will work closely with the collections team. The primary purpose of this position is to review and analyze the circumstances which justify a modification based on Kapitus’ Policy and procedures. The Modification Underwriter will review Cash Flow history and interim financials to determine the current health of a business. The Modification Underwriter will also interact with merchants to help get a better understanding of the business. After completion of all tasks the Modification Underwriter will make a recommendation of their findings.
Primary Responsibilities
- The ideal candidate will have a good understanding of cash flow analysis
- Excellent communication skills
- Strong negotiating skills
- Perform risk analysis of current loans to determine strength of business
- Provide recommendations for approval, or decline of merchant modification eligibility
- Communicate decisions effectively in both verbal and written communication
- Strong analytical, interpersonal, and presentation skills
- A keen ability to work in a fast paced environment
- Team Player
Position Application Instructions:
Interested candidates should send a resume to: jobs@kapitus.comWe are proud to be an Equal Opportunity Employer.Senior Accountant
Position Description:
Kapitus is looking for a passionate and hardworking professional to join and help grow our top notch Finance team. The ideal candidate must be able to balance delivering exceptional performance in a fun, energetic and collaborative culture. The Senior Accountant will maintain the daily operations of the finance department and participate in monthly closings, accounts payable processing, preparation of the monthly P&L, and will maintain balance sheet schedules and general ledger.
Primary Responsibilities:
- Prepare financial statements and month end reporting
- Monthly, quarterly and annual close process, including preparation of journal entries, P&L review and balance sheet account reconciliations/analysis
- Assist with year-end audit and tax process
- Revenue recognition and Effective Interest Rate Method of amortization
- Assist with the Budget & forecast process
- Tax filing, compliance and reporting
- Research new and existing technical accounting guidance
- Assist in special projects & ad-hoc analysis
Minimum Requirements:
- Bachelor’s degree in Accounting required, CPA preferred
- 2-5 years of accounting experience required, experience in public accounting preferred
- Strong verbal and written communication skills
- Must be comfortable in an entrepreneurial setting and have excellent analytical and interpersonal skills
- Advanced skills in Microsoft excel and Power point
- Knowledge of Netsuite is a plus
- Must be very hands-on; well organized; able to manage multiple tasks concurrently
Position Application Instructions:
Email resume and cover letter to jobs@kapitus.comHR Manager
Position Description:
Kapitus is looking for a dynamic HR Manager to join our Human Resources team. The HR Manager will be a strategic advisor to management and employees for Kapitus’ NYC office. You will handle activities including employee relations, benefits, organizational integration and culture building.
Primary Responsibilities
- Maintain comprehensive employee personnel records system (internal data base, ADP Workforce Now and Time & Attendance), including new hire entry, hours worked, personnel changes, performance evaluations, terminations, etc.
- Ability to effectively manage multiple projects with overlapping tasks and work independently with minimal supervision
- With limited direction, provide HR support to employees and management as the go-to-person regarding time & attendance, benefits, employee relations, etc.
- Data reporting by creating and analyzing reports from ADP as needed
- Understanding of Federal/State employment laws and regulations (e.g. FMLA, ADA, EEO and FLSA)
- Assist with Monthly Employee Appreciation events
- Everify maintenance for all new hires
- Place quarterly Transit check order for employees
- Employment Verifications
- Supervise HR Admin
- Assist with Benefit open enrollment and employee meetings
- Training coordinator for employees and management
- Support HR department with other duties and tasks as assigned
Qualifications
- Bachelor’s degree
- 2 – 3 Years’ experience with ADP Workforce Now
- At least 1 Year experience with ADP Time & Attendance
- Proficiency in ADP Report Writer
- Assist with monthly employee appreciation events
- Proficiency in Excel
- Excellent verbal and written communication as well as a confident communicator
- Proficiency in Microsoft Office
Position Application Instructions:
Interested candidates should send a resume to: jobs@kapitus.comWe are proud to be an Equal Opportunity Employer.
Credit Underwriter
Position Description:
The Credit Underwriter will underwrite all new merchant applications to ensure compliance with underwriting guidelines and risk standards.Primary Responsibilities:
- 2+ years of work experience in a role that requires financial statement analysis, accounting or the research and evaluation of a variety of different business.
- Underwrite all new applications consistent with approved Underwriting Guidelines.
- Verify all information provided on the merchant application and supporting documentation is correct and consistent.
- Understand and read credit reports.
- Ability to read and understand financial statements, tax returns and other financial documentation.
- Ability to call merchants regarding their applications when needed to make an underwriting decision
- Provide recommendations for approval, or declines of merchant applications.
- Communicate decisions effectively in both verbal and written communication.
- Strong analytical, interpersonal, and presentation skills
- Team player
We deliver our credit products through a network of partners, offering the equivalent of a bank loan but through a technology-enabled process that can deliver capital in as little as 2 business days. Our standard product is a fixed rate, short term working capital loan with no prepayment penalties. Because we use our own capital, we employ risk-based pricing to lend to businesses with varying credit profiles and for various purposes – working capital, inventory, capital improvements, expansion of facilities, acquisitions, ownership related events, and equipment purchases.
Position Application Instructions:
Interested candidates should send a resume to: jobs@kapitus.comProduction Support Specialist
Position Description:
To provide Production support to all users of Kapitus technology systems.Respond and resolve all issues submitted by various business users of all departments, via Help Desk request.Monitor the Jira queue of all incoming issues and resolve all tickets; if the immediate resolution is not possible, coordinate with the PMO team and Release Manager the development and release of the issue to ProductionPrimary Responsibilities:
- Use Jira and help enforce the workflow within the entire team
- Support effort to maintain data integrity within CRM, Platform and between technology platforms
- Meet key staff in other business units and learn about their use of software
- Read all IT initiatives as well as understand and give input
- Drive some user acceptance testing when appropriate
Required Competencies:
- At least 3 years’ experience working in a Help Desk function at any level
- 3+ years of experience of working directly with the Technology teams
- 3+ years of experience monitoring and resolving requests from various business units
- Thorough understanding of business workflows and functions
- Excellent communication skills
- Excellent troubleshooting and problem solving skills
Desired Qualifications and Traits::
- Call center management or operations support
- Sales team support
- Financial services support
Position Application Instructions:
Interested candidates should send a resume to: jobs@kapitus.comPlease note that any submissions received without a resume and cover letter will not be considered.
Content Coordinator
Position Description:
Kapitus looking for an energetic self-starter to join our marketing team as our content coordinator. As the content coordinator, you will be responsible for the production of all of our content as it pertains to our content marketing plan, including articles, videos, podcasts, infographics, case studies, e-books and guides among others. You are our ideal candidate if you are passionate about creating content that not only inspires and educates, but also leads to brand awareness and lead conversions. You will also thrive in a fast-paced environment, are a strategic thinker, a dynamic writer/editor, have knowledge of basic SEO practices and you have the proven ability to manage multiple projects at one time. You are detail oriented and seeing results makes you tick! The role is based in New York City.
Primary Responsibilities:
- Manage and maintain a multi-category content calendar to regularly provide a regular cadence of relevant and engaging content for our blog, resource center, social media channels and multiple sales teams.
- Lead the content development process ñ from ideation through publishing for full content execution.
- Write, commission and edit content that delivers value to and grows our audience of small business owners.
- Build and manage a community of paid, volunteer and employee content resources and producers - including writers, videographers, photographers, editors ñ to ensure that all content deadlines are met.
- Ensures adherence to compliance with policies & procedures as well as regulatory and State requirements.
- Work closely with in-house creative team and appropriate vendors to execute the production of all content formats.
- Leverage performance metrics, customer research, competitive landscape, and industry standard best practices to continuously evolve and improve our content output.
Desired Qualifications and Traits::
- 2-3 years relevant experience in journalism and/or content production management.
- Journalistic mindset with the ability to bring stories to life through multimedia storytelling.
- Proven track record of sourcing and fully managing freelance talent
- Some experience with writing and editing
- Familiar with SEO best practices and using SEM Rush
- Experience working in content management systems, including wordpress
- Excellent project management skills with the ability to multi-task and have a strong attention to detail
- Outgoing personality - you actually really enjoy talking with clients, partners, and other potential sources
- Comfortable working with C-level executives, thought leaders and influencers
- Great energy, positive attitude and a team player
- Desire to learn and grow as a content marketing expert
Position Application Instructions:
To apply send your resume and cover letter to babel@kapitus.comPlease note that any submissions received without a resume and cover letter will not be considered.
Production Support Specialist
Position Description:
To provide Production support to all users of Kapitus technology systems. Respond and resolve all issues submitted by various business users of all departments, via Help Desk request. Monitor the Jira queue of all incoming issues and resolve all tickets; if the immediate resolution is not possible, coordinate with the PMO team and Release Manager the development and release of the issue to Production
Essential Functions:
- Use Jira and help enforce the workflow within the entire team
- Support effort to maintain data integrity within CRM, Platform and between technology platforms
- Meet key staff in other business units and learn about their use of software
- Read all IT initiatives as well as understand and give input
- Drive some user acceptance testing when appropriate
Required Competencies:
- At least 5 years’ experience working in a Help Desk function at any level
- 3+ years of experience of working directly with the Technology teams
- 3+ years of experience monitoring and resolving requests from various business units
- Thorough understanding of business workflows and functions
- Excellent communication skills
- Excellent troubleshooting and problem solving skills
Desired Experience:
- Call center management or operations support
- Sales team support
- Financial services support
Position Application Instructions:
Email resume and cover letter to jobs@kapitus.comSr. Associate Vendor Relations
Position Description:
Provide front line field based sales of finance products for manufacturers and equipment dealers. Develop and maintain relationships with equipment dealers and resellers across the US. Handle all aspects of dealer and end user customer interaction in the field. Participate in planning for business segment and strategic programs. Responsible for monthly/annual new business production and margin budget.
Minimum Requirements:
- Minimum 2+ years of experience developing and managing equipment financing vendor programs
- A current book of Vendor business with track-able sales record
- Must have strong knowledge in leasing structures and pricing
- High energy, goal oriented, self-starters who pride themselves on performance
- Basic computer knowledge including Microsoft Word, Excel, and Outlook
- Ability to manage multiple tasks, work under pressure, and prioritize workload
- Must be comfortable in a fast-paced, quota-driven, and results-oriented environment
- Ability to think outside the box is a must!
Compensation & Benefits:
- Bachelor’s degree is preferred but not required
- Background in equipment finance/leasing sales required
- Experience with consultative selling
- Existing vendor relationships
- Salary and compensation commensurate with experience and past success
- Ability to travel as required
Position Application Instructions:
Email resume and cover letter to jobs@kapitus.comVP, Equipment Finance Sales & Operations
Position Description:
The VP, Equipment Finance Sales & Operations is a critical link between company strategy and execution of sales force productivity. He or she will manage essential functions including planning, reporting, quota setting and management, sales policy governance, headcount management, and sales compensation design and implementation of our equipment leasing and finance division. The VP, Equipment Finance Sales & Operations is responsible for the overall productivity and effectiveness of the sales division including designing, tracking and communicating key metrics. Reporting to the Chief Revenue Officer, the VP fosters close working relationships with internal and external stakeholders to ensure the equipment leasing & finance division’s efficient operation and success.
Primary Responsibilities:
- Design and implement key metrics to define optimal performance measurements and performance management programs required to ensure sales success within the equipment leasing division.
- Establishes high levels of quality, accuracy, and process consistency in planning, forecasting, and budgeting approaches used by the sales division consistent with other processes at Kapitus.
- Partners with senior sales leadership to identify and successfully implement opportunities for sales process improvement.
- Fosters a division of continuous process improvement.
- Recommends changes and enhancements to the CRM technology platform.
- Ensures sales reports and other internal intelligence is provided to the sales division.
- Coordinates with sales leadership to lead efficient and accurate reporting initiatives. Develops new reporting tools as needed.
Minimum Requirements:
- 5+ years of prior sales operations, business planning, or sales support management roles
- 5+ years Equipment Leasing experience
- Experience successfully managing analytically rigorous corporate initiatives
- Excellent interpersonal and communication skills
- Demonstrated proficiency and consistency in Equipment Leasing & finance processes, practices, and policies
- Bachelor’s degree
Compensation & Benefits:
- Competitive base salary with strong commissions, bonuses, and residuals
- Develop a startup division out of an already established financing firm
- Leverage a top notch marketing team to help grow your business
- Medical Insurance
- Paid Vacations and Paid Holidays
- Work hard play hard mentality
- 401K plan
- Exciting company events and outings!
Position Application Instructions:
Email resume and cover letter to jobs@kapitus.comRenewal Sales Specialist
Position Description:
Kapitus is looking to add a Renewal Sales Specialist to its team! As a Renewal Sales Specialist Responsible for active account management, cross selling and retaining current merchant relations that will increase account penetration, revenue growth and customer satisfaction within a specified product line or business segment. Focus areas will include retention in existing accounts along with cross selling financial products. Working for one of the top small business alternative lenders in the U.S. you will be part of a high energy, fast paced work environment that offers uncapped commissions and growth opportunities for the right candidates.
Primary Responsibilities:
- Contacting existing merchant accounts to close renewal funding deals and meet month-end quota requirements.
- Developing relationships with merchants who recently took funding to assist in positive merchant relations.
- Consistently follow up on renewal leads that could turn into our next big opportunity.
- Coordinating with Sr. Renewal Specialists to continuously optimize the renewals sales process.
- Follow up on merchant requests and needs in a timely manner.
Minimum Requirements:
- 2-3 years of sales experience.
- College Degree.
- Ability to work strategically to achieve specific goals.
- Ability to thrive in a team environment; but able to work independently to achieve your personal and company growth goals.
- Excellent interpersonal/communication skills with a high ethical standard.
- Must be a driven performer and a self-starter.
- Have the ability to understand basic business math and financial concepts.
- Proficient in Microsoft Office Suite.
- Experienced in working with a CRM system.
Compensation & Benefits:
- Competitive base salary with uncapped commissions.
- Comprehensive benefits package; paid time off (PTO), 401K match.
- Work hard, play hard mentality with weekly contests, cash prizes, trips, dinners events…and even in-office ping pong tournaments.
Position Application Instructions:
Email resume and cover letter to jobs@kapitus.comJr. Renewal Specialist
Position Description:
Kapitus is adding Jr. renewal specialists to its sales team! As a Jr. Renewal Specialist you will be responsible for active account management, and retaining current merchant relations that will increase account penetration, revenue growth and customer satisfaction. Focus areas will include retention in existing accounts along with establishing client relations with new merchants. Working for one of the top small business alternative lenders in the U.S. you will be part of a high energy, fast paced work environment that offers uncapped commissions and immediate growth opportunities for the right candidates.
Primary Responsibilities:
- Contacting existing merchant accounts to assist with renewal funding with the help of our Renewal Sales Specialist.
- Developing relationships with merchants who recently took funding to assist in positive merchant relations.
- Consistently follow up on renewal leads that could turn into our next big opportunity.
- Coordinating with Sr. Renewal Specialists to continuously optimize the renewals sales process.
Minimum Requirements:
- 1+ year of sales experience, ideally in IT, FinTech, SaaS, and/or consultative sales with demonstrable experience delivering results.
- Excellent written and verbal communication skills.
- Must have a strong drive to succeed and be a top producer.
- Ability to thrive in a team environment; but able to work independently to achieve your personal and company growth goals.
- Must be detail oriented, organized and have top notch follow-through skills.
- Healthy competitive personality, sore losers look elsewhere.
- Goal Oriented.
- Superior Interpersonal Skills.
Compensation & Benefits:
- Competitive base salary with uncapped commissions.
- Comprehensive benefits package; paid time off (PTO), 401K match.
- Work hard, play hard mentality with weekly contests, cash prizes, trips, dinners events…and even in-office ping pong tournaments.
Position Application Instructions:
Email resume and cover letter to jobs@kapitus.comJr. Sales Executive
Position Description:
Kapitus is looking to add Jr. Account Executives to its team. As a Jr. Account Exec, Specialist, you will be an essential part of the sales team, working with our Sr. account executives to close new deals. Working for one of the top small business alternative lenders in the U.S. you will be part of a high energy, fast paced work environment that offers uncapped commissions and immediate growth opportunities for the right candidates.
Primary Responsibilities:
- Prospecting, engaging and closing new accounts with the help of our senior account executives.
- Developing relationships with customers and generating new business.
- Consistently follow up on leads that could turn into our next big opportunity.
- Coordinating with Sr. Account Executives to continuously optimize the sales process.
Minimum Requirements:
- 1+ year of sales experience, ideally in IT, FinTech, SaaS, and/or consultative sales with demonstrable experience delivering results.
- Excellent written and verbal communication skills.
- Must have a strong drive to succeed and be a top producer.
- Ability to thrive in a team environment; but able to work independently to achieve your personal and company growth goals.
- Must be detail oriented, organized and have top notch follow-through skills.
- Healthy competitive personality, sore losers look elsewhere.
- Goal Oriented.
- Superior Interpersonal Skills.
Compensation & Benefits:
- Competitive base salary with uncapped commissions.
- Comprehensive benefits package; paid time off (PTO), 401K match.
- Work hard, play hard mentality with weekly contests, cash prizes, trips, dinners events…and even in-office ping pong tournaments.
Position Application Instructions:
Email resume and cover letter to jobs@kapitus.comRetention Specialist
Position Description:
Kapitus is looking to add a retention specialist to its team. As a Retention Specialist, you will be a key member of the sales team responsible for providing administrative support to ensure the efficient operation of the Renewals Department. You will support the Internal Renewals Team, as well as our external Independent Sales Offices, through a variety of tasks related to organization, communication, and generation of documents. You will communicate via phone and email to ensure all administrative responsibilities are completed accurately and delivered with the highest quality and in a timely manner. The company is geared towards a sales “team” approach, so working in sync with the entire Renewals Department will be vital to your success, as well as the success of the team.
Primary Responsibilities:
- Answer and direct phone calls.
- Maintain sales pipeline.
- Assist in the preparation of funding documents.
- Develop and maintain a reporting system – pipeline management.
- Act as liaison between Sales Representatives (clients), Underwriters and Sales Managers in order to facilitate and expedite contract fundings.
- Manage expectations of Sales Representatives.
- Other administrative responsibilities as required by the sales team and the Company.
Minimum Requirements:
- Knowledge of office management systems and procedures.
- Excellent time management skills and ability to multi-task and prioritize work.
- Attention to detail and some problem solving skills.
- Excellent written and verbal communication skills.
- Strong organizational skills.
- Proficiency in MS Office.
Compensation:
- The Company offers a competitive base pay plus an override.
- Comprehensive benefits package; paid time off (PTO), 401K.
Position Application Instructions:
Email resume and cover letter to jobs@kapitus.comAssistant General Counsel
Position Description:
We’re seeking an attorney in our Arlington, VA office with 4+ years of experience in complex litigation or compliance to play an integral role in the company’s legal organization. You would be the fourth in-house lawyer, reporting to the Deputy General Counsel, and your responsibilities would primarily include:
General Matters, Litigation, and Bankruptcy
As needed, assist General Counsel and Deputy General Counsel in connection with:
- Offensive and defensive litigation, including matters arising from company functions, financing agreements, bankruptcy proceedings initiated by individuals or small businesses, contract or employment disputes, as well as other matters
- Supervision of outside counsel for matters outside of primary jurisdictions and in connection with larger matters and judgment domestication and enforcement
- Assist in implementing judgement enforcement procedures and provide supervision in connection with the same
- Assist in supervising team of paralegals in connection with subpoena compliance, litigation and judgment enforcement
- Direct responsibility for assisting in general supervision of Arlington, Virginia office as a member of management team
- Provide guidance to Human Resources on legal issues related to employment and personnel
Financial Services Compliance
As needed, assist General Counsel and Deputy General Counsel in connection with:
- Company policies and procedures, including assisting the General Counsel, Deputy General Counsel, and Compliance Committee in formulating policy and guidelines for all applicable federal and state statutes related to commercial lending and financial services.
- Research and identify relevant local, state, and federal law applicable or potentially applicable to the company and provide advice regarding compliance
- Implement and update the company’s compliance policies, Human Resources policies, handbooks, and related procedures
- Supervise outside counsel or experts retained to assist in the review and implementation of compliance policies
- Develop training materials and make presentations to various departments regarding compliance obligations on an as needed basis
- Coordinate the company response to federal, state, or local requests, audits, and subpoenas
- Other compliance and regulatory assignments
Requirements
JD with excellent academic and professional credentials
Member in good standing of either the New York or Virginia bar, or eligible for admission upon motion
Independent, self-starter, and self-possessed with the ability to work independently
Flexible, with the ability to adjust to circumstances in a growing company and assist with projects on an as needed basis
Strong oral and written communication skills
Excellent presentation and training skills
Minimum four years’ experience in complex litigation, investigations, and/or compliance counseling at US-based or international law firm, in government, or in-house with exposure and understanding of financial services and lending
Prior government experience at a financial regulator a plus
Judicial clerkship a plus
Familiarity with Bankruptcy/creditor’s rights a plus
This full time position includes a compensation package based on experience as well as benefits, including health, dental, life insurance, vacation, sick days and paid holidays, and a 401K.
Position Application Instructions:
Interested candidates should send a resume to: jobs@kapitus.comWe are proud to be an Equal Opportunity Employer.
Senior Collector
Position Description:
Kapitus is currently seeking an experienced Senior Collector for our Rockwall, TX office. Inbound and Outbound call center; performs transaction processing through phone, email and/or fax.
Primary Responsibilities:
- Performs maintenance, research and resolution on past due accounts.
- Must have the ability to work independently and in a team environment, multitask, set own priorities and adapt to a changing environment.
- Updates account information and input detailed notes in the system of record.
- Ability to quickly identify and offer multiple solutions to resolve a delinquency and be able to provide a status and/or final resolution to each past due account.
- Ensures adherence to compliance with policies & procedures as well as regulatory and State requirements.
- Communicates effectively with immediate Supervisor on issues to drive a final resolution on accounts.
- Prepares and presents settlement offers to the committee for approval
Minimum Requirements:
- 5+ years of Collections experience in a high-volume call center environment.
- Be a team player and open to constructive feedback.
- Ability to make 100+ outbound quality calls per day while maintaining a quality assurance score of 85% or higher.
- Regular and consistent attendance and punctuality.
- Advanced knowledge of Windows operating systems and Microsoft Office Suite.
- High School Diploma/GED
Preferred Requirements:
- 8+ years of industry experience related to Customer contact in a Banking, Mortgage, Loan Servicing or Financial Services institutions.
- Strong negotiation, analytical and problem-solving skills with a proven track record of outstanding collection performance.
- Solid Communication and interpersonal skills.
- Ability to effectively communicate with all levels of Management in a positive manner.
- Actively seek continuous self, department, and company improvement.
This is a full-time hourly position with the opportunity for a monthly bonus; compensation commensurate with experience.
Position Application Instructions:
Email your expected hourly compensation rate along with your resume and cover letter to jobs@kapitusservicing.com“I just love the small family feel that we have. The fact that I can knock on my CEO’s door at any time and ask him a question is pretty amazing. I don’t think that happens at a lot of other companies. And the fact that anyone on the team can turn to their left or their right and ask a question without judgment. It’s great.”
-Steve Podhorzer
Underwriting
“I love my job! Not many people can say that in life. Our company promotes hard working, positive people who provide that “thinking outside the box” mentality to get things done.”
-Toni Hoenig
"Kapitus is a great place to be and a great place to work. The supportive environment and culture are matched by a group of dedicated people and high company morale. I enjoy working here because our mission inspires me to challenge myself and reach my goals and while helping small businesses reach their goals."
-Beverly M.
Marketing
