Growing your business is our business.

In an economy where it’s almost impossible for small businesses to get traditional loans, Lendr offers fast, friction-free cash advances to help small and medium business owners focus on what they do best: grow.

We say yes more because we consider more. It’s not just about your credit score. We look at your full story—the health of your business, your real-time performance and potential—so we can customize the right solution right now.

There are no hidden fees. No lengthy paperwork. Just honest, transparent lending that helps you get the working capital you need—when you need it—to seize the opportunities you deserve.

Our core values

  • We believe in the little guy.

    For our economy to thrive, small businesses need to thrive. They should be empowered to get the working capital they need without having to jump through hoops to get it.

  • We do things right and right by you.

    We don’t know any other way but to be a partner you can count on for the life of your business. That means offering support, transparency and that extra something to show we care.

  • There’s (almost) always a way.

    We live for our business and love working with clients who do the same. We promise to do everything we can to create a flexible, customized lending plan that works for you. Starting small is good.

  • Technology is our friend.

    We believe technology should simplify our lives, not complicate them. We’re constantly improving our lending platform to serve you better. But never at the expense of personal guidance.

Our team

Together we offer you more than 75 years of experience in the financial services industry.

  • Tim Roach

    Chief Executive Officer & Chairman

    Tim is the co-founder and Chief Executive Officer of Lendr as well as Chairman of its Board of Directors. He served as Lendr’s Chief Financial Officer from 2011 to 2013. Tim started his finance career at Arbitrade, a technology advanced options market maker and asset management company. In 2002, Tim founded Oak Street Trading, a proprietary trading firm focused on worldwide commodities markets. Tim holds a B.S. in Finance from Linfield College and served in the United States Navy at Seal Team One. Tim’s decades of experience using quantitative risk models serves as the basis for all of Lendr’s financing platforms.

  • Daniel DeMeo

    Chief Revenue Officer

    DeMeo came to Lendr with extensive management experience in tech. based financial services companies. Prior to joining Lendr, he was the CEO of CAN Capital. Before that, he served as CFO for JP Morgan Chase’s consumer and small business unit and as CMO and Business Development head for GE Capital’s consumer card unit. His career started at Citibank, where he held various roles in business analytics and marketing for the credit card unit.
    At Lendr, Dan is responsible for overall revenue growth including Sales, Marketing and Business Development.

  • John Bavone, MBA

    Chief Financial Officer

    John is the Chief Financial Officer of Lendr and brings over 20 years of financial management experience including operations, benchmarking, M&A, lending and investments.
    Prior to joining Lendr, John served as CFO for a national funding company and a global capital markets firm, where he improved operational efficiencies, profitability, financial reporting, while maintaining the firms focus on customers and growth.
    John began his career at BMO Harris Bank, where completed their credit training program and worked as a Commercial Lender, among other roles.
    John received his B.A. from Loyola University (Chicago) and MBA from DePaul University.

  • Thomas Howe

    Chief Risk Officer

    Thomas is responsible for identifying, mitigating and managing risks and opportunities across Lendr’s suite of products.
    • Prior to Lendr, Thomas served as a consultant at two firms focused on credit risk analysis of finance platforms on behalf of major commercial banks and lending institutions.
    • Thomas began his career in finance performing platform acquisitions at and also invested capital on behalf of endowments, pension funds and high net worth individuals at several New York-based private equity and hedge fund firms for eight years.
    • Thomas received his B.A. in English Literature from Hobart College.

  • Steve Townsend, CPA

    Vice President of Finance

    Steve oversees Lendr’s day-to-day financial reporting, taxation issues, banking relationships, budgeting and forecasting, investor communications, collections and cash management.
    • Steve is a licensed Certified Public Accountant and has served as a chief financial officer and financial consultant in numerous industries for over 30 years.
    • Prior to joining Lendr, Steve acted as President of Tower Consulting, Co. and Chief Financial Officer of Tower Oil & Technology Co., where he designed leading financial reporting systems, and developed budgets to analyze operating performance of cost and profit centers.
    • Steve graduated from Illinois State University with a B.S. in Accounting and Business.

  • John Welborn

    Director of Engineering

    John began his career with Intel in Enterprise Operations before shifting gears to lead the technology teams for several internet based startups. Years spent in tech consulting exposed him to a wide variety of opportunities from e-commerce to corporate infrastructure. Most recently, he helped build an entirely online secured lending platform. John graduated from the University of Illinois with a B.S. in Engineering / Computer Science and a minor in music composition.

  • Karitza Hines

    Human Resources Manager

    Karitza has amassed nearly 20 years of combined management, recruiting and staffing experience throughout her career. Prior to joining Lendr, Karitza acted as Human Resources Manager at National Tax Search. She is responsible for ensuring the overall safety, welfare and wellness of all employees and is is tasked with managing recruiting & staffing logistics, compensation and benefits administration, payroll, training and development and charitable giving.

    Karitza holds a Bachelor of Arts in Human Resources Management from DePaul University.

Connect with us

Our door is always open to you.

[email protected]


153 W. Ohio, 5th Floor
Chicago, IL 60654