The success of your business may depend on the quality of the financing you receive. With PPCLOAN you will be working with a uniquely qualified management team and professional staff who are highly experienced and dedicated to helping you accomplish your goals.

Paul Clarke | Mac Winston | Steven Kemper | Tabitha Hughes | Fred de Roode | Dustin Mangone | Ashley Marcelle
Jaymee Young | Christina Baca | Sarah Looger-Saxon | Aaron Racino | Brittany Dennis | Ty Roemer | Tricia Emfinger


Paul Clarke

Serving as President & CEO of PPCLOAN, Paul has focused on expanding the lending niches to which PPCLOAN serves, recently adding Independent Investment Advisors and FedEx Home and Ground to the buffet of industries in which PPCLOAN provides capital. Paul has personally reviewed and signed off on every credit application PPCLOAN has funded since 2000, which accounts for over 2,800 loans, totaling $1.40 billion in funding. Paul also leads the wonderful team of folks at PPCLOAN, with a focus on customer activism, continued process improvement, and open communication.

» Read More Paul has written and published over 30 articles and is regularly asked to speak at various meetings. Paul created the Allstate Agency Value Index in 2009, a tool that has been used by Allstate Insurance Management, along with buyers and sellers alike to assist in placing a fair and equitable value on an Allstate agency. With over 4,000 subscribers to the quarterly AAVI report, Paul is regularly asked to speak on agency valuation, and has traveled to all 13 Allstate designated regions for speaking engagements.

Paul graduated from Texas A&M University with a BBA in Finance and joined PPCLOAN in 1999. Paul currently resides in The Woodlands, TX with his wife Katy and sons Ryan and William. Paul spends his free time coaching his son's sports team, fishing, playing golf and attending church functions.

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K. M. "Mac" Winston

Mac has over 35 years of banking experience and is one of the founders of PPCLOAN and its predecessor firm Professional Practice Capital in 1998. Through PPCLOAN, Mac has developed and grown lending programs which have provided over $1.5 billion in financing in support of the business needs of service sector professionals such as dentists, veterinarians, accountants, insurance agents, investment advisors, and Federal Express independent contractors.

» Read More In addition to owning and operating a Federal Express independent contractor firm, a general dentistry practice, a mergers and acquisitions consulting firm, serving as a member of the Practice Management Faculty of the Northwestern Dental School, Mac has also been a regular lecturer at the University of Texas San Antonio and University of Las Vegas Dental Schools. Mac has published numerous articles in prominent publications, and is the author of The Affluent Dentist (a book offered for sale on Mac graduated from Southern Methodist University with a BBA in Accounting and is a Certified Financial Planner.

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Steven Kemper

Steven is well known in the insurance industry, assisting both Allstate Insurance and Farmers Insurance agency owners to pursue their dreams of business ownership. With over a decade of experience, Steven helps guide his customers through the agency acquisition and financing process. Steven has been quoted as saying "Sometimes the best deals are the ones that don't get done." as he knows his job is to ensure his customer doesn't make an ill-advised purchase.

» Read More Steven graduated from Texas A&M University with a BBA in Finance and joined PPCLOAN in early 2005 as a Financial Analyst. Steven has been involved in over 1,000 Allstate agency acquisition transactions since joining PPCLOAN and played a critical role in the development of the newly formed Farmers Insurance Lending Program.

Born and raised in Brenham, TX, Steven currently resides in The Woodlands, TX with his wife Candice, son Jack, and daughter Paige. Outside of work, Steven enjoys spending time with family, golfing, fishing and watching college football.

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Tabitha Hughes

With 17 years experience, Tabitha is the leader of PPCLOAN's company operations overseeing all closing, customer service, and administrative functions. Currently, she is focusing additional efforts on database management and administration, converting the office to paperless, and utilizing secure document transfers for customer use. She continues to close loans and spends a great deal of her time talking to, and helping our customers.

» Read More Since joining the company in 2000 to serve in an administrative capacity, Tabitha has worn many hats at PPCLOAN. After spending a short time as an administrator, she closed and underwrote loans, directed our marketing efforts, then led the closing team. Her position as Chief Operating Officer allows her to oversee loan closings while continuing to have a presence in keeping our customers happy long after their loan closes.

Tabitha currently resides in Spring, TX and enjoys spending time with her family and volunteering. 

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Fred de Roode

Fred has over 34 years of senior management experience in the financial services industry and is one of the founders of PPCLOAN. Prior to founding PPCLOAN in 2008, Fred was one of the founders and served as President and CEO of Professional Practice Capital, LLP since 1998.

» Read More Prior to founding Professional Practice Capital, Fred started and managed the Professional and Executive Banking Division for a large Chicago bank and managed their Small Business Banking Division. Fred has specialized in providing professionals and entrepreneurs access to capital in order to grow and manage their professional practices and businesses since he began his banking career and possesses expertise in the areas of private banking, commercial lending, financial planning, business development, and marketing. Fred graduated from the University of Mississippi with a BBA in Banking and Finance. He is a licensed Certified Financial Planner, a member of the Board of Trustees of the Pacific Dental Education Foundation of the Arthur A. Dugoni School of Dentistry at the University of the Pacific in San Francisco, CA, and a founder of the Center for Insurance and Risk Management at the University of Houston Downtown in Houston, Texas.

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Dustin Mangone

As the Director of the Investment Advisor Program, Dustin spends 100% of his time focused on the acquisition financing needs of investment advisors nationwide. With over 10 years of experience as a cash-flow lender, Dustin has underwritten more than $250 million in funded loans supporting hundreds of business owners across the country that are looking to grow their business by way of acquisition. From the initial phone call to the funding of your loan, Dustin takes a hands-on approach to making sure your experience and needs are properly met throughout the entire process.

» Read More Dustin spent two years as a financial advisor providing retirement planning for non-profit organizations before joining PPCLOAN in May of 2005. Dustin has also assisted business owners with various other financing needs including mergers, buy-ins, buy-outs, and succession plans.

Dustin is a 2002 graduate of Texas A&M University, resides in Houston, TX, and enjoys traveling and hunting.

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Ashley Marcelle

Once you make the decision to use PPCLOAN for your financing needs, Ashley will guide you through the closing process. She uses her decade of experience to build relationships, and she takes great pride in keeping people well informed on the status of their loan closing. Ashley's goal is to do everything she can to make sure your loan closes on time and to ensure your experience with PPCLOAN is a pleasurable one.

» Read More Ashley graduated from Texas A&M University with a Bachelor of Arts in International Studies and a Business minor. Before joining PPCLOAN, she spent time in the accounting field. She joined PPCLOAN in 2007 and has spent time working in both an underwriting and closing capacity.

Ashley currently resides in Spring, TX with her husband Nick, son Kaelan, and daughter Evie. She enjoys being outdoors, spending time with her family, traveling, and Fightin' Texas Aggie football.

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Jaymee Young

Jaymee plays a critical role in ensuring PPCLOAN runs smoothly every day. For the last ten years, she has worked as an administrator, office manager, and marketer, including various levels of communication with our customers. From a marketing perspective, Jaymee makes sure PPCLOAN is well represented from a web and print media perspective, and she oversaw the overhaul of the PPCLOAN website. Jaymee has truly found her niche leading the very crucial marketing and travel efforts of the company.

» Read More Jaymee graduated from Southern Utah University with a Bachelor of Science in 2005, and joined PPCLOAN in 2007. She grew up in Provo, UT and moved to Texas in 2005, where she lives with her husband and two daughters, as well as her dog and cat. She enjoys archery, hunting, baking, and volunteering with the local animal shelter.

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Christina Baca

Christina joined the closing department at PPCLOAN in January of 2012. She provides her clients with superior customer service and a forward thinking attitude that ensures a smooth closing process. She also aids in loan servicing and seeks to maintain relationships with customers throughout their loan term.

» Read More Christina graduated from Texas A&M University with a Bachelor of Science in Agricultural Economics and a minor in Business Administration. Christina previously worked for the Office of the President while attending Texas A&M University, gaining valuable experience in business operations and supporting high-level executives.

In her free time, she enjoys running, hunting, fishing, and spending time with her family and friends.

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Sarah Looger-Saxon

As part of PPCLOAN's Customer Concierge Department, Sarah ensures that each customer receives the highest quality care throughout the many stages of having a business loan. Her main priority is directing you to the appropriate person based on your questions or current status in the loan process. With a background in customer service, she bridges the gap between our customers and the lender on a daily basis. From welcoming you to the company on the first call to assisting with post-closing necessities, Sarah ensures the customer receives the highest quality experience at all times. 

» Read More Sarah graduated from Texas A&M University with a Bachelor of Science in May of 2011 and joined PPCLOAN in October of 2014. After growing up in Trinidad and Tobago, she now resides in The Woodlands, TX. In her free time, you will find her with her family farming pecan trees, hiking with her dog, or relaxing with friends.

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Aaron Racino

As a Financial Analyst, Aaron takes great pride in assisting his clients during the financing process to ensure a sound financial transaction takes place and providing friendly and helpful customer service along the way. With a background in sales, Aaron knows the importance of tailoring products to suit the needs of his customers.

» Read More Aaron graduated from Sam Houston State University in 2015 with a double major in Finance and Banking & Financial Institutions and joined PPCLOAN the same year. During his college career, he was very active on campus as a member of the Alpha Gamma Rho Fraternity, the Beta Gamma Sigma International honor society, and held several officer positions on the SHSU Trap & Skeet Team.

Originally born and raised in Austin, TX, Aaron currently resides in Huntsville where he enjoys spending time with his friends, watching sports, hunting, playing golf, and volunteering his time to help around the community.

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Brittany Dennis

Brittany is the newest addition to the Customer Concierge Team and works very closely with the Closing Department to guarantee that you receive the best possible service in the industry. She brings over ten years of experience in project management and customer service to PPCLOAN and can't wait to assist you with all the variable aspects of your loan process. From your very first phone call to PPCLOAN, Brittany will help guide you throughout the loan procedure with as much ease as achievable. 

» Read More Brittany currently attends Sam Houston State University and is finishing up her Bachelor of Human Resource Management with a minor in Marketing. She grew up in the Pacific Northwest, until she moved to Texas in 2008. In her free time, you will find her with her hanging out with her family, playing with her boxer, Abe, studying, reading or relaxing with friends.

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Ty Roemer

As a Financial Analyst, Ty focuses his efforts on the Allstate Lending Program. Ty provides professional, educated, and friendly service to ensure a smooth and simple experience for our customers, delivering the best level of care and attention while meeting their individual needs.

» Read More Prior to joining PPCLOAN in 2016, Ty graduated from Texas A&M University with a Bachelor of Business Administration in Finance and a minor in Economics. During his time at A&M, Ty found his interest in finance while taking a course in Money & Capital Markets where he was introduced to the world of business finance and the lending industry. In addition to school, Ty gained hands-on experience while working for a small lending firm specializing in personal lending niches for its client base and exposing him to the positive impact lending can have on its clients and their communities.

Originally from Salado, TX, Ty currently resides in The Woodlands, TX where he enjoys spending time with friends and family, attending sporting events, hunting, and fishing.

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Tricia Emfinger

As part of the closing team, Tricia assists with ensuring that the loan closing process goes smoothly and each individual's experience with PPCLOAN is a pleasant one. She enjoys the customer service aspect of working directly with clients and seeks to establish long-term relationships so that customers will return to PPCLOAN each time they encounter opportunities where financing is necessary. 

» Read More Tricia earned a Bachelor of Science in Accounting before contributing in the oil and gas industry. After raising four children, she became a professional chocolatier, owning her own business and storefront. During this time, Tricia also designed menus for a premier restaurant and won several awards as a local business owner.

With years of diverse experience, Tricia returned to the financial management sector by joining PPCLOAN in 2016. She currently resides in Spring, TX and enjoys traveling and volunteering, as well as spending time with her family and two English Bulldogs. » Read Less


25511 Budde Road, Suite 2901 - The Woodlands, TX 77380

Toll Free: 800.456.2779 | Phone: 281.419.0400 | Fax: 281.419.8309 | Email: