Our Team

Meet Our Team

Our team is comprised of experienced professionals from distinct areas of business to serve our clients.

Business Finance Depot is part of Health Club Experts. It grew naturally out of the need to assist business owners get financing from other industries besides Health Clubs. We built a solid reputation for years working within the Health Club industry and we started attracting national franchises. Now we assist several trusted partners in various industries to obtain financing for their new franchisees.

Financing a business for a startup or an expansion can be daunting if you’re unsure of where to begin. Business Finance Depot wants to be your resource at any stage to help you start, operate and grow your franchise or health club. Our principal, Paul Bosley is a sought after expert who educates business owners at national industry conferences and through SCORE. It is from this commitment to serve that brings personalized attention to guide each client through the process of financing.


Paul Bosley

Paul Bosley is known for his expertise in financing for franchises and especially in the health club industry. Paul is the owner of Healthclubexperts.com and has partnered with several national franchises to assist new franchise partners acquire the capital they need to launch their new businesses. He is also keen on helping existing business owners find the finances to expand their current business. He is a regular speaker and writer for many health club industry conferences and online magazines.

Paul was a regular volunteer for SCORE in Broward County, Florida where he was a mentor and workshop leader on the topic of financing. His popular workshop was titled, Sourcing Capital for Your Business. Paul taught participants about the various sources of funding that you can get for your business. Bank loans, private & angel investors, venture capital are all discussed. Startups and growing businesses can all learn from this workshop.

Listen to his radio interview on The Small Business Lending Outlook for 2015 which aired in January 2015 on SCORE Radio.

Paul has owned and operated health clubs for twenty-five years of his thirty-five years he has worked in the health club industry. Paul assists nearly all of the major fitness equipment vendors to secure equipment financing for their equipment sales to start ups and existing health club owners. Contact Paul for his recommendation for local dealers or manufacturers’ representatives in your area for your next fitness equipment purchase or visit our Equipment Listing page for a list of vendors he currently represents. Please visit and connect with me on LinkedIn
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Marisol Cruz

Chief Operating Officer
Marisol Cruz graduated from the University of Florida with a Bachelor of Science business degree and later received the Master of Business Administration degree from Clark Atlanta University.

Marisol’s in-depth knowledge of working with varying credit profiles to procure loans in the automotive sector and unsecured loans in the alternative finance space translates to a knowledge advantage for clients looking in need of capital.

Marisol’s mission is to deliver the best loan selections in order to meet the unique commercial financing needs of every client.

You can contact Marisol by email at: Marisol@businessfinancedepot.com
or by phone at (954) 613-6390.

Marisol is an expert listed on the Franchise RE Sales website:

Christy Bosley

Christy Bosley has been around the health club industry from an early age as her father worked in the industry. Christy developed a very strong interest in health and fitness so much that she earned a bachelor’s degree in Exercise Science and Health Promotion and a master’s degree in Exercise Science and Health Promotion, specializing in Exercise Physiology. Christy has competed in lacrosse, swimming and has a passion for both power and Olympic lifting.

One thing that stands out to working within the fitness industry is how close-knit people are and how everyone seems to know everyone. Christy is the Database Manager keeping the contacts up to date so we can keep in touch with our clients.
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Gary Raffensberger

Director of Operations
Gary has been in the financial industry for the last 11 years, working in sales, processing loans, and equipment leasing.

His expertise is getting the right loan product for his clients, and to help them through the process.

Gary continues to build relationships with many franchisors and sales representatives around the country by going to specific Franchise and Health & Fitness trade shows and conventions.

In his spare time, Gary enjoys time with his family and is a photographer.
AJ Moore

AJ Moore

A.J. Moore is the Sales Assistant for Business Finance Depot.

She handles the day-to-day client calls and follow-ups, and supports Paul and Marisol with client communication and appointment scheduling.

AJ is a business professional with over 10 years in the hospitality industry and expertise in sales, customer service and business administration.

Her positive attitude and warm personality, coupled with her time management and communication skills, make her a valuable asset to our growing team.
Bob Hyndman

Bob Hyndman

Bob Hyndman is Business Finance Depot’s SBA Loan & Equipment Lease Processor.

He joined our company in August 2018 and handles new lease and loan applications.

Milton De Vecchi

Milton De Vecchi started with an IBM clone running Windows 3.1 over 20 years ago. His first Corporate IT job was providing Compaq Computer Helpdesk for home users, which gradually elevated to Level 1 Support for SBS market. De Vecchi’s next challenge was government. With a lifelong passion to help others, teaching was a natural career step. Milton joined Miami Dade County Public schools to provide Helpdesk for 3,000 users during the day shift. On the night shift, he taught classes for Adult Education School; Intro to computers, Computer Repair and Network Plus curriculum. During the .com time, De Vecchi decided to try the startup boom and joined World Interactive Network (Local SBS, raised 9 million supporting 50 Dealerships across South Florida, Houston TX and New Jersey area) as an IT Manager. His IT Department at WIN included a full staff of 40 IT professionals from Developers, Network Admin to Graphics Designer. For the next 10 years De Vecchi opened MyNetkey (break fix IT Company) providing SBS in the South Florida market. Mynetkey collaborated with major projects in Miami with Midtown Group in NY and Midtown Miami, also local artist Romero Britto. In 2008 MyNetkey joined CMIT Solutions franchise (140+ locations with 700 techs). With his partner, De Vecchi builds a local team of seven by providing cutting edge Enterprise Solutions for Small Business. Their vertical market for MSP includes; Law firms, Dentistry and Retail Businesses.

Jeffrey J. Wolfe, Esq.

Jeffrey J. Wolfe, Esq. is a business and corporate transactional attorney. Mr. Wolfe’s practice involves a broad range of transactional work such as entity formation; corporations, partnerships, limited liability companies and strategic alliances; acquisitions and divestitures; franchising; leasing; trademarking; and taxation. Mr. Wolfe has represented a number of start-ups and emerging growth companies. A significant portion of Mr. Wolfe’s practice involves commercial and residential real estate including acquisitions and sales; development; leasing; condominium and homeowner associations. Mr. Wolfe commonly prepares all types of commercial documents including purchase and sale agreements, loan agreements, leases, non-disclosure agreements, non-competition agreements, employment agreements, independent contractor agreements, operating agreements, shareholder agreements, buy-sell agreements, etc.

Jeffrey J. Wolfe, Esq.
Sachs Sax Caplan, P.L.
Work: (561) 237-6868
Work: (561) 994-4499
Mobile: (561) 601-1832
Email: jwolfe@ssclawfirm.com
Email: jeffreyjwolfe@gmail.com
6111 Broken Sound Parkway NW
Suite 200 | Boca Raton, FL 33487
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Trisch Garthoefner

Certified Valuation Analyst
Through her expertise as a certified business valuation analyst, master analyst in financial forensics and enrolled agent, Trisch is able to offer business valuation and financial services in various capacities including: growth opportunities through acquisitions and the addition of new shareholders; individuals involved in divorce proceedings (property distribution, financial forensics); companies considering or going through bankruptcy; valuing minority and majority holdings for gifting/estate planning purposes; and the pricing of company stock for new share offerings. She works directly with individuals, privately/publicly held companies, attorneys and forensic accountants in the creation of business valuations and the review of other expert’s valuations. She holds a Master’s degree in Accounting with a concentration on business valuations.

Stephen Indictor

Equipment Leasing Expert
Stephen has 35 years of exceptional sales leadership in equipment finance and leasing with a proven track record for selling service and value over rate and price.

An outstanding reputation for customer service, relationship management, account retention, revenue growth and customer loyalty.

Skilled in developing and implementing marketing strategies and training materials for sales and loan originators.

Strong problem solving skills combined with organized nature, ability to prioritize, manage time and maximize resources.

Alicia Frank

Credit Repair
Ms. Alicia S. Frank is the principle owner of Ask 4 Premier Credit Repair, since September of 2008. Ask 4 Premier Credit Repair is bonded and insured, members of the National Association of Credit Services Organization and A rated with the BBB.

Ms. Frank’s team has now helped tens of thousands of clients to not only qualify for loans, but to qualify at the best interest rate; thereby, saving thousands of dollars in their monthly payment.

Ask 4 Premier Credit Repair uses the Federal Credit Reporting laws that govern the credit reporting agencies; when they demand that the derogatory items, in question, be removed from the credit reports.

In fact, Ms. Frank’s team is currently averaging one of the highest deletion rates in the nation; as they are averaging a 46% deletion rate of the latter mentioned derogatory items, in the first 45 days alone.

Ask 4 Premier Credit Repair not only prides itself on maintaining one of the highest deletion rates in the nation; but they also pride themselves on forming relationships with their clients.

All clients are well known by the entire staff at Ask 4 Premier Credit Repair by their first name, as opposed to by a client number.

Ms. Frank’s team was also the credit restoration department for the nationwide, Keller Williams Real Estate Company, located in Weston, Florida, for 7 years.

Likewise, PNC Bank in Weston, Florida not only refers clients to Ask 4 Premier Credit Repair, but Ms. Frank has also attended many business networking events at PNC Bank, as the main speaker for the various local businesses.

Locally in Oakland, Florida, Ask 4 Premier Credit Repair was the go-to credit restoration company for Lennar Homes, during the housing boom. Ms. Frank, personally, has been invited to speak on many local, AM Radio Programs, in order to educate the listening audience as it pertains to the various ways that each consumer can improve their credit profile on their own.

Ms. Frank’s background includes, but not limited to; being a real estate investor for 20 years, a graduate degree in Psychology from N.Y.U., an undergraduate degree from John Jay College of Criminal Justice, as well as raising two young aspiring professionals, currently studying to become an attorney at law, and a Medical Doctor.

Ask 4 Premier Credit Repair’s staff are very friendly; whereupon, they will take their time in order to explain to each of their clients how the process works, as well as what items are needed in order to enroll.

In sum, if you are serious about improving your credit status; hence, your purchasing power, you owe it to yourself to give them a call today.

Ask 4 Premier Credit Repair, Inc.
304 Indian Trace, #730
Weston, FL 33326

Telephone (Local): (954) 217-3763 ext. 6
Telephone (Nationwide): (866) 598-6364

Website: www.Ask4PremierCreditRepair.com

Email: Alicia@ask4premiercreditrepair.com

Iveta Rietschel

Accounting and Finance
Iveta Rietschel, founder and President of Bookkeeping South Florida Service received her BA degree in Accounting, Economic and International Business from Business Academy in Czech Republic in 1986. She then started her own, a very successful Accounting firm servicing many small businesses in Czech Republic and Germany.

After relocating to the US, Iveta decided to broaden her education and gained Bachelor of Science in Accounting from University of Phoenix.

For several years she had been working in Finance Department in local government, and pursued many additional certifications. Iveta is a member of the Florida Government Finance Officers Association and is certified State of Florida Public Notary.

Iveta’s strong background in accounting and finance allows her to consult on all aspects of a business. She has volunteered and served on Board of Directors as a Treasurer at 1,000 unit condo association, and has given many bookkeeping and accounting improvement ideas that saved residents thousands of dollars.

Bookkeeping, taxes, and financial advising has been Iveta’s expertise for more than 20 years. Accounting degree and Professional Bookkeeper Certification, Accounts Payable Specialist, Quick Books Specialist, and Tax Preparer Certifications have given Iveta all the resources needed to provide quality and accurate services.

Bookkeeping South Florida understands that our clients are our most valued assets.

Our company’s goal is to offer each client individual attention and exceptional accounting services.

We are pleased to offer experienced services that will help you to start your business, process monthly bookkeeping, prepare for taxes, and complete filing requirements.

We can set-up your company files, prepare chart of accounts, we also offer training and consulting for you and your staff.

We provide you with knowledge and wisdom allowing you to focus on running your company.

All these aspects working together will allow you to grow your business, increase your profit and lower taxes.

Ken Countess

Director of Marketing
Ken Countess is managing director of The Countess Group, a strategic marketing and communications consultancy now in its 19th year.

His company helps its clients gain an unfair advantage over their competition through targeted marketing.

An award-winning marketer, public speaker, trainer, presenter, podcaster and internationally recognized, accredited expert on Email Marketing, Social Media Marketing, Marketing Automation and other topics, Ken energizes audiences by providing them with the knowledge they need to succeed.

As a speaker, Ken is highly sought after, as his engaging presentations have earned him the respect of loyal followers all over the world.

Ken’s seminars and webinars are filled with people seeking timely, actionable, easy‐to-implement information about today’s digital marketing tools (including email marketing and social media networks such as LinkedIn, Facebook and Twitter) to grow their business or non‐profit.

Ken was recently recognized by Constant Contact, the country's leading email marketing company, as their top trainer in the world.

Ken has been one of Constant Contact's top producing independent resellers year after year. He is also a member of the Microsoft Partner Network and a certified partner of Keap. Keap is the new name for Infusionsoft.

Ken has held executive management positions at several Fortune 100 companies and has been a senior partner at a 35‐person marketing firm.

While with such well‐known companies as Motorola, Marriott and Caremark, Ken provided award‐winning leadership for the fastest growing divisions of these industry leaders.

Ken holds an M.B.A. in Marketing from Florida Atlantic University and a B.A. in Business Economics from the State University of New York.

You can reach Ken at kc@thecountessgroup.com or at 407-242-4200.

Patricia Maldonado

Public Relations and Media Relations
Patricia Maldonado is a former newspaper reporter who made the switch to public relations. Ms. Maldonado worked as a reporter for The Associated Press and The Miami Herald, where she was a member of the Pulitzer Prize-winning team of reporters, editors and researchers awarded the top prize in journalism for their work covering local city elections that were eventually overturned.

Ms. Maldonado served as communications director for the Human Services Coalition (now Catalyst Miami), a Miami nonprofit that launched an initiative to promote the Earned Income Tax Credit and free tax preparation services for lower income families in Miami-Dade and Broward counties. She also spent time as a communication coordinator for the John S. and James L. Knight Foundation.

Ms. Maldonado hosted and produced the Broward SCORE Radio Show, a weekly half-hour show for small businesses for Broward SCORE for four years. She also taught mass communications at Miami Dade College, and currently gives PR workshops to small business owners as a presenter for Broward SCORE, an all-volunteer nonprofit. She was a member of the WLRN Community Advisory Board and served as chair of the City of Miami Community Relations Board. Ms. Maldonado has a bachelor’s degree in communications and political science from the University of Miami, and a master’s degree in journalism from Boston University. She also studied Spanish at the University of Salamanca in Spain.

Patricia is also President of Little Fish Media. Little Fish Media is a privately held company based in Miami that works primarily with small and medium-sized businesses and nonprofits. The company grew out of the founder’s experience working as a reporter and in communications in the nonprofit sector.

Small businesses and nonprofits struggle to market and promote their products and services because of lack of resources. Ms. Maldonado’s specialty is media outreach and helping clients develop their own channels of communication to broaden their visibility and promote their products to customers, clients and other target audiences.

Jennifer Roark McCants

Graphic Designer
Jennifer has a well-rounded background in art direction, project coordination, graphic art design, writing and editing, and photography.

She easily applies her skills previously honed from her time spent at marketing companies creating impressionable and result-driven materials to help brand, communicate and generate awareness.

Having earned a Bachelor of Fine Arts degree in Graphic Design at the International Academy of Design & Technology in Tampa, Florida as well as a Bachelor of Arts degree in English at Henderson State University in Arkadelphia, Arkansas,

Jennifer’s knowledge, artistic acumen, multitasking skills and unsurpassed drive make her an excellent addition to our team.
David Hyland

David Hyland

Video journalist
David Hyland is an multiple award winning video director, producer and videographer who has been involved in creating business promotional videos for over 20 years.

He is currently a business journalist for Orlando Business TV, video director for Sports Business Update, and is General Manager of Travtec Communications, which customizes digital media productions that provide visual content for business marketing.