Real people. Real support.

As COO, Phil oversees National Business Capital’s funding operations, tech infrastructure, and data intelligence. He breaks down the funding trends that matter most to decision-makers, with a special focus on leadership and CFOs who want to understand where capital is flowing and why it matters.

With over a decade in business lending, Josh leads National Business Capital’s advisor team as EVP of Finance. Having personally structured thousands of funding arrangements, he simplifies the lending journey and guides clients through approvals, capital stacks, funding timelines, and the key questions to ask before signing.

With 25+ years driving growth for brands from Samsung to 1800flowers and building his own consulting business, Michael Kildale now leads National Business Capital's marketing efforts focused on client success. Blending B2B and B2C expertise, he helps businesses thrive by aligning technology, marketing, and a relentless focus on client needs.

Vincent has 30+ years of experience working for heavyweights such as Citibank, Webster Bank, and CIT, as well as leadership roles in industry groups like SFNet. Known as a connector in private credit, he shows how businesses bridge gaps when transactions stall or banks pull back. He also sheds light on how lenders, advisors, and private equity work together behind the scenes to keep deals moving.

Andrea Franzese brings a strong background in commercial account management and relationship-driven strategy to his work at National Business Capital. Prior to joining NBC, he managed Verizon Fios commercial accounts, where he developed a deep understanding of how businesses operate, scale, and support their own clients. What sets Andrea apart is his reliability and commitment to outcomes. He thrives in NBC’s collaborative culture and is especially motivated by helping partners add tangible value to their clients. His consistent performance and team-first mindset have earned him extensive recognition at NBC, including multiple Largest Funding Awards, Culture MVP, Mr. Reliable, Rising Star, and President’s Club honors. He has also been named Top Advisor across numerous months spanning 2023 through 2025—reflecting both sustained excellence and trust from clients and partners alike. Outside of work, Andrea enjoys traveling—especially cruising—with the Bahamas standing out as a favorite destination. A lifelong soccer fan, he proudly supports Manchester City. He also enjoys watching a great movie, with favorites including The Walking Dead, The Social Network, and Goodfellas. Andrea is guided by the belief that resilience defines success, a mindset reflected in his favorite quote from Rocky: “It ain't about how hard you hit. It's about how hard you can get hit and keep moving forward.” What sets Andrea apart is his ability to listen first and advise second. He takes time to understand how each business operates before helping align funding with real-world goals. He values NBC’s collaborative culture and the opportunity to work alongside a team that prioritizes accountability, growth, and long-term partnerships. Outside of work, Andrea enjoys staying active, traveling, and keeping up with sports. He’s a fan of Seinfeld and brings the same consistency and focus he values in sports into his work with clients.

Alec Stepanian brings a dual background in finance and marketing management to his work at National Business Capital. Before joining NBC, he worked part time at a financial firm in Hoboken while earning two bachelor’s degrees from Seton Hall University. This foundation shaped his understanding of both business fundamentals and client-focused execution. What sets Alec apart is his reliability and long-term thinking. He thrives in NBC’s high-trust, high-growth culture—valuing the opportunity to support business owners in reaching their goals while building meaningful relationships with his teammates. Alec has been recognized as a Top Advisor and continues to lead with integrity and focus. Outside of work, Alec enjoys basketball, golf, fishing, and travel—especially to the Bahamas. A Knicks fan and Game of Thrones enthusiast, he brings competitiveness and consistency to everything he does. He lives by the quote: “The moment you give up is the moment you let someone else win.”