Richard M. Contino, Principal

Richard M. Contino is an internationally-recognized equipment leasing expert, with an extensive legal, business, marketing, tax, transaction structuring, financial and management background.  He is an advisor on all types of start-up and on-going equipment leasing business activities for lessors, lease lenders and syndicators, equipment vendors, lease investors and corporate lessees.  He is former General Counsel of De Lage Landen, Wayne, Pennsylvania, a subsidiary of The Rabobank Group, and the 14th largest equipment lessor in the U.S.

Mr. Contino is the author of eight books on business, negotiating, and equipment leasing, the most recent being The Complete Equipment-Leasing Handbook, Amacom Books, 2002.  He has conducted private on-site and publicly-held business success, communication, finance, and negotiation seminars throughout the United States for professional organizations (e.g., American Management Association, Equipment Leasing Association, Illinois Institute of Continuing Legal Education, National Seminars Group, Practicing Law Institute, and University of California Graduate School of Law) as well as corporations (e.g., AT&T, EXXON Corporation, NYNEX, and Texas Instruments Corporation).

Mr. Contino holds an LL.M. in Corporate Law from New York University Graduate School of Law, a Juris Doctor from University of Maryland School of Law, and a Bachelor of Aeronautical Engineering from Rensselaer Polytechnic Institute.   He is admitted to the Bar in the District of Columbia, Maryland and New York, is a member of the American Bar Association, and is Listed in Who’s Who of American Law, Who’s Who of Emerging Leaders, and Who’s Who in the World.  Mr. Contino is also a Captain (retired) in the United States Air Force.

Jay Waters, Principal

A leader in equipment leasing and real estate financing for over 35 years, Mr. Waters has experience in all aspects of leasing, from small transactions to large transactions in excess of $50,000,000, and real estate financings up to $75,000,000.

His wealth of experience in both direct and indirect lending ensures he delivers  competitive rates, creative lease and real estate structures, timely response, and committed involvement from inception through successful completion of every transaction.

Mr. Waters has worked his entire 35+ year career in the secured asset finance industry, holding various executive positions with equipment finance and leasing businesses in the bank-affiliated, and commercial finance industries. He was also a principal with a publicly traded company subsidiary that provided equity in equipment leases across the country.

He is active in providing capital market functions to lenders, as well as brokers and developers. Mr. Waters has worked with companies, such as GE Capital, Heller Financial, Cheyenne Leasing (a joint venture with Genesee Brewery, providing equity for major lenders for equipment leases for investment grade credits), Security Pacific Leasing and M&T Bank.

Mr. Waters holds a BA from Lake Forest College, Lake Forest, IL.

Penelope Holt, Executive Vice President, Marketing

Ms. Holt is accomplished in supporting start-ups and rapidly moving them to fast growth and profitability.  As a marketing innovator, she is able to reboot stalled enterprises or mature businesses.

She has worked on both the client and the agency side to provide wide-ranging marketing support across disciplines, from market strategy and powerful positioning, to go-to-market planning, creative, advertising, PR and digital strategies.  She supports thought leaders and positions business for success with speechwriting, content marketing, artful PR and book development.  She has partnered with business and cultural leaders as a contributor, author and co-author of numerous books.

Key Accomplishments

As co-founder & CMO at BorrowersFirst, Ms. Holt established this FinTech online lending platform with an on-your-side consumer marketing strategy and brand that achieved profitability within 9 months of launch.  She has also served as interim CMO at a range of SaaS companies to ensure go-to-market excellence.

As a Marketing partner to eBay merchant business development, she has supported the growth of  top retailers & brands on eBay and establishment of  top-seller tools & communications to drive seller transaction volume

Penelope was a full-time Marketing Consultant and Advisor to PayPal executives to establish market positioning, message platform, and enterprise sales strategies .  As a Marketing partner at Bill Me, she establishing brand, positioning, go-to-market and messaging to drive consumer adoption of this point-of-sale credit option.

As an Advertising & PR executive and consultant, Penelope has provided a full range of marketing strategy, marketing plan development and implementation, brand building, superior sales and marketing support.

Ms. Holt holds degrees in Linguistics and English from York University, England.