Dan is a true strategic expert in credit analysis, pre approval credit optimization, strategic debt restructuring, strategic financial optimization & creative funding solutions for almost any type of lending and situation. With over 7 years as a blackbelt credit & funding coach assisting more than 3,000 consumers with challenges in these areas. Dan has guided clients through the complete credit journey-from performing extensive due diligence to then optimizing & restructuring not only the credit profiles but also financial positioning BEFORE applying to the lenders. Thereby ensuring highest approval amounts, favorable payment terms and most importantly the LOWEST interest rates, for not only business working capital loans, business credit cards, business lines of credit, commercial & equipment loans. But also creative mortgage solutions, creative debt relief options, high interest rate auto refinance just to name a few.

Joe is a business strategist and integrated marketing expert. He built and led a team that achieved success in licensing and franchising. They sold well over $1 billion worth of products and services through a total of more than 500 locations across the US. Joe is the best-selling author of an award-winning book on turning transactions into relationships by being trustworthy. Mr. Sanfellipo became a self-made millionaire in his mid-twenties and appeared twice on the Oprah show for business success. He has also been featured in hundreds of newspapers and magazines (including Inc, Entrepreneur, Nation's Business, and Success), as well as numerous radio and TV talk shows