Tom Gazaway is the founder and President of LenCred. His expertise is in helping small business owners who are in the first 2 years of business to properly obtain business financing that separates their personal and business credit while also protecting, preserving, and improving their credit profiles. Since very few startups are able to obtain bank financing this gives them a much better chance of being “bankable” after they have been in business for 2 or 3 years. Tom holds FICO® Pro and XCO certifications from AllRegs Academy and Xinnix Mortgage Academy. He has also been trained by the nation's premier credit expert, John Ulzheimer, and was certified by John as a Certified Credit Expert Witness. He has extensive training & experience in integrating loans and lines of credit into various business financing, debt management, cash-flow, and credit preservation strategies. In addition to the SmallBizTrends community, Tom has written and shared his knowledge, experience, and insights for Business.com, SCORE, Dun & Bradstreet Credibility Corp., and Lendio. Additionally he has written many blogs over the years on the LenCred blog, The Business Finance Lounge. LenCred has been named to many fast growth lists, both national and regional, such as Inc 500, Inc 5000, Philly 100, and Smart CEO’s Future 50 lists. Tom guided the company through a successful rebranding in 2014 when they changed their name to LenCred. LenCred is also known for having the largest library of free ebooks and whitepapers in the business financing industry. These ebooks cover a wide variety of business financing topics. You can see the library of free content here. In addition to helping thousands of business owners obtain financing from $25,000 to $200,000 LenCred also provides startup financing solutions to an army of over 1,000 business loan brokers across the country. Tom grew up in Marshalltown, Iowa and received his B.A. degree in Economics & Finance from Westmont College in Santa Barbara, CA. Currently, Tom lives in Blackwood, New Jersey with his wife Melanie and their three son's Aiden, Zander and Micah.