Small Business Capital

SBA and USDA Loans

Get Started Now

Byline Small Business Capital

Your business is unique. We get that. So we don’t use boxes when it comes to business lending. We want to hear your story, and find a way to make it work—for you.

Byline Small Business Capital—formerly Ridgestone Bank— is one of the Top 10 SBA lenders in the country, as recognized by the U.S. Small Business Administration. Our team of lending experts is focused on providing creative solutions to your financial challenges.

Our focus is government-guaranteed lending. We provide nationwide coverage with loan production offices throughout the Midwest and in Southern California. At Byline Small Business Capital, we pride ourselves on being accessible to ensure each relationship is customized and supported by our dedicated lenders, portfolio managers and local decision-makers. We want to work together to ensure your goals are met.

Meet the Team

We know it’s all about you, and we plan to earn your business. Byline Small Business Capital’s dedicated team of lenders and portfolio managers go the extra mile to get to know you and your business and will be there for you, every step of the way. We don’t have “boxes” when it comes to lending. We solve problems with innovative thinking and customized solutions to structure a loan that’s right for your business.

Learn more about our team in a location near you:

Illinois - Schaumburg

10 N Martingale Road, Suite 100
Schaumburg, IL 60173
847 805 9520

Thomas Abraham
Thomas Abraham Senior Vice-President, SBA Sales Manager
847 805 9545

Thomas has worked extensively in SBA Lending for more than a decade, and in 2006 was instrumental in building Ridgestone Bank’s SBA platform framework for loan originations, credit processing and closing footprint as well as sales generation, back-end operations and portfolio servicing. Thomas began his lending career in 1990 within Cash Flow/Asset Based Lending and has received formal credit/management training through Northwestern University’s Executive Training Programs. A member of the National Association of Government Guaranteed Lenders (NAAGL), Thomas will continue to lead the Illinois lending team at Byline Small Business Capital.

Michael Adams
Michael Adams Vice-President, Commercial Lending
847 805 9532

Michael is a leader in SBA commercial lending, using his credit analyst background to properly structure loan requests to put business owners in a position to succeed. Michael ensures a business has the liquidity to take advantage of growth opportunities while also getting by during unexpected slow periods. Michael’s background includes positions as senior credit analyst and loan officer/portfolio manager as well as working for the Association of Eurobrokers at the Chicago Mercantile Exchange. Michael joined Ridgestone Bank in 2006 and will continue to work with business owners throughout Chicagoland with Byline Small Business Capital.

Tony Kim
Tony Kim Vice-President, Commercial Lending
847 805 9565

Tony is a leading business development officer specializing in SBA lending. His extensive experience and knowledge in navigating through the SBA’s closing and credit processes has allowed for a smoother lending experience for his clients. Previously, Tony worked as a business relationship manager for two major banks, where he earned awards for Top Lender and Top Performer in addition to numerous awards for growth in loan production. Tony joined Ridgestone Bank in 2007 where his efforts in developing new banking relationships contributed to establishing the bank as a leader in SBA lending in Illinois. He looks forward to the opportunities ahead with Byline Small Business Capital.

Rehman Valliani
Rehman Valliani Vice-President, Commercial Lending
847 805 9587

Rehman utilizes more than 15 years of banking experience when advising small business owners on the best loan structure for their business. Early in his career, Rehman focused on small business lending solutions, later shifting his focus to conventional and small business lending for small to mid-sized companies. Outside of work, Rehman’s leadership and commitment to the community has been recognized by his appointments as a board member for the Social, Welfare, Education and Economics Board through his congregation. Rehman joined Ridgestone Bank in 2008 and will continue to work with business owners throughout the Midwest at Byline Small Business Capital.

Jay Steiner
Jay Steiner Vice-President, Commercial Lending
847 805 9530

Jay is an SBA Loan Specialist who works with small businesses to structure bank financing for business acquisition transactions, business expansion and cash flow maximization. Jay has been in commercial lending for 18 years throughout the Chicago area, with experience in business development, credit underwriting and portfolio management. Throughout his career, he has worked in small and middle market business banking, construction and real estate lending and lending to not-for-profit organizations. Jay joined Ridgestone Bank’s lending team in 2011 and will continue his focus on SBA lending at Byline Small Business Capital.

Michael J. Knazur
Michael J. Knazur Vice-President, Commercial Lending
847 805 6369

Michael brings 20 years of commercial lending experience to his role as an SBA lender, having served in senior credit positions at commercial financial institutions throughout the Chicago area. Michael provides financing solutions and counseling to small businesses in the Chicago area and Northwest Indiana, with an emphasis in manufacturing and distribution. Michael is actively involved in the Industrial Council of Nearwest Chicago, Valley Industrial Association, Small Business Development Center and SomerCor504. Michael joined Ridgestone Bank in 2012 and will continue to focus on SBA lending with Byline Small Business Capital.


Wisconsin – Brookfield

13925 W. North Ave.
Brookfield, WI 53005
262 789 1011

Eric Manke
Eric Manke Senior Vice-President, Commercial Team Leader
262 860 2090

Eric has nearly 30 years of banking experience, and is considered a specialist in SBA and USDA lending. In addition to his focus on government-guaranteed lending, he has held positions of senior credit analyst, branch manager and vice president. Eric has played an integral part of achieving Preferred Lender Status for several financial institutions under the SBA’s 7(a) Program as well as obtaining Certified Lender Status under the USDA’s Business & Industry Lending Program. Eric joined Ridgestone Bank in 2006 and in 2009 became a senior vice president. He will continue to lead the Brookfield, Wis. commercial team at Byline Small Business Capital.

Jessie Hagen
Jessie Hagen Vice-President, Commercial Lending
262 860 2086

Jessie is a leader in government guaranteed banking with more than 25 years of SBA and USDA lending experience. She started in packaging and closing and has been a lender since 1995. She has worked for regional and national banks, a national non-bank lender and for a local 504 certified development company. Known for her quick and direct approach, Jessie is skilled in financing business acquisitions, partnership buyouts, refinancing, and various other sophisticated business transactions. Whether the industry is manufacturing, healthcare or other service businesses, she can get to the heart of a situation and handle the most complex deals. Jessie joined Ridgestone Bank in 2006 and will continue her focus on SBA and USDA lending at Byline Small Business Capital.

Matt Dolsky
Matt Dolsky Vice-President, Commercial Lending
262 860 2092

Matt’s focus is on government guaranteed lending for small and medium sized businesses throughout Wisconsin, with an emphasis on the greater Milwaukee area. After beginning his career in credit, Matt gained commercial banking experience with a diversified regional bank focusing on SBA and USDA lending. He also gained experience through a management training program, to include business development, credit analysis, loan closing documentation and relationship management. Matt joined Ridgestone Bank’s commercial lending team in 2013, where he earned Sales Achievement Awards for three consecutive years. Matt will continue his exceptional work ethic at Byline Small Business Capital.

Bill Harrigan
Bill Harrigan Vice-President, Commercial Lending
262 938 2721

Bill brings more than 15 years of commercial banking experience to the team, and will utilize his last several years in SBA lending to focus on government guaranteed lending throughout Southeastern Wisconsin. Bill previously worked in Chicago, Phoenix and Milwaukee, where he excelled in business development and commercial banking relationships. Bill joined Ridgestone Bank in 2014 and is looking forward to the opportunities ahead with Byline Small Business Capital.

Ryan Black
Ryan Black Assistant Vice-President, Commercial Lending
262 439 6307

Ryan has 10 years of banking experience, including commercial lending, commercial underwriting, consumer banking and deposit operations. His credit and lending experience allows him to structure transactions to benefit small business customers using SBA and USDA commercial loan programs. Ryan joined Ridgestone Bank in 2014 as a portfolio manager, and soon progressed to the commercial lending team as a business development associate prior to his current position as business development officer, which he will continue at Byline Small Business Capital.

Derek Schoenborn
Derek Schoenborn Vice-President, Commercial Lending
262 860 2629

Derek has nine years of commercial banking experience, including extensive credit and underwriting expertise. He enjoys serving as a financial advisor to a broad range of clients and utilizing SBA lending programs that best meet their corporate profile and financial goals. Derek has great success in assisting buyers looking to acquire small and mid-sized businesses, as well as supporting existing companies looking to grow through mergers and acquisitions. His expertise also includes helping business owners obtain financing for their owner-occupied commercial real estate. Derek joined Ridgestone Bank in 2016 and will continue to work with business owners throughout Southeastern Wisconsin at Byline Small Business Capital.

Avelina Poppert
Avelina Poppert Business Development Associate, Commercial Lending
262 860 2091

Avelina provides credit and closing support to the commercial lending team in addition to focusing on SBA loan lead generation. Avelina’s background in multiple aspects of banking and loan processes make her a valuable asset to the lending team and to business clients throughout Southeastern Wisconsin. Avelina joined Ridgestone Bank in 2009 where she held various positions such as personal banker, commercial banker and closer. In 2015, Avelina achieved the Top Performer-Gold Closing Achievement Award. Shortly thereafter Avelina was promoted to business development associate, which she will continue at Byline Small Business Capital.

Wisconsin – Wausau

300 N. 3rd Street, Suite 302
Wausau, WI 54403
715 297 3765

Erik Rajek
Erik Rajek Vice-President, Commercial Lending
715 297 3765

Erik has worked in banking and small business finance for 12 years, specializing in SBA and USDA lending. He previously built an internal SBA department and managed the credit department for a $1 billion community bank in Wausau. He has also worked for Wisconsin Business Development, administering SBA 504 loan programs and packaging SBA 7(a) loans for community banks. Erik’s goal is to work with companies to restructure their balance sheets, which puts them in a better position for future growth. Erik joined Ridgestone Bank in 2014, and will continue help companies underserved by traditional banks find access to long-term working capital with Byline Small Business Capital.

Wisconsin – Madison

215 S Century Ave., Suite 121
Waunakee, WI 53597
608 770 6155

Tom Lyons
Tom Lyons Vice-President, Commercial Lending
608 770 6155

Tom has 11 years of experience in banking and finance and focuses on deploying his lending experience and SBA expertise to provide government-guaranteed lending options to each of his customers. He assisted with the launch of the SBA program at a former bank, which soon led the Madison market in new SBA loan volume. Tom joined Ridgestone Bank in 2015 and will continue to provide SBA and USDA lending options to businesses throughout Southwestern Wisconsin and the Madison area with Byline Small Business Capital.

Indiana – Indianapolis

9449 Priority Way West Drive, Suite 220
Indianapolis, IN 46240
317 983 3379

Jeff Salesman
Jeff Salesman Vice-President, Commercial Lending
317 983 3364, c: 317 439 4151

Jeff has worked extensively in SBA and USDA loan origination for more than a decade, bringing his breadth of experience to clients in that market. Jeff began his banking career in 1991 and has worked in various areas of the banking industry such as sales, small business lending, middle market lending, asset based lending, credit analysis and special assets. Jeff joined Ridgestone Bank in 2012, heading up the SBA loan production office in the Indianapolis market and will continue to develop business throughout Indiana at Byline Small Business Capital.

Karl Zachmann
Karl Zachmann Vice-President, Commercial Lending
317 983 3368, c: 317 385 2626

Karl has succeeded in the banking industry since 1989 in SBA and commercial lending. He utilizes his vast experience in all aspects of the commercial lending process, making him uniquely qualified to get deals properly structured, approved and closed for his clients. As a proven and passionate champion for small businesses, Karl has consistently been a top performing SBA relationship manager in the country and has generated significant SBA loan volume throughout the country. Karl has always embraced change and looks forward to the opportunities ahead and expanded capabilities with Byline Small Business Capital.

California – Newport Beach

4695 MacArthur Ct., Suite 1100
Newport Beach, CA 92660
949 798 6192

Tipu Chauhdary
Tipu Chauhdary Vice-President, Commercial Lending
630 415 9300

Tipu specializes in government lending and small business finance, having financed deals for a wide array of industries including manufacturing, childcare, hospitality and petroleum among others. His projects have included franchise financing, acquisition of real estate and business assets, financing of equipment, providing working capital needs as well as business expansion funds. Prior to his current position, Tipu co-founded the commercial lending division for a boutique Chicago commercial mortgage brokerage firm, focusing on debt financing for his clients.

Tennessee – Franklin

725 Cool Springs Blvd., Suite 600
Franklin, TN 37067
615 584 2361

Jerry Woods
Jerry Woods Vice-President, Commercial Lending
615 584 2361

Jerry has enjoyed a diversified career in banking, financial consulting, and brokerage for more than 34 years. He has held various levels of responsibility in the banking industry, primarily associated with serving the needs of small business through SBA lending in Ohio, Illinois, Arizona, and Tennessee. Jerry also started a small business consulting firm, advising in cash flow and capital asset management, leadership development, operations management, enterprise value maximization and succession planning. Jerry joined Ridgestone Bank in 2015 and will continue to focus on exit planning and transition financing at Byline Small Business Capital.

Ohio – Northern

P.O. Box 2120
Hudson, Ohio 44236
330 212 0953

Romona Davis
Romona Davis Vice-President, Commercial Lending
330 212 0953

Romona has more than 20 years of combined experience in commercial banking, SBA lending, underwriting and financial management. Her thorough understanding of SBA and USDA programs helps her strategically structure loans for businesses to support future growth. In 2013, Romona received a Women of Professional Excellence Award and was named the SBA Advocate of the Year by the Cleveland District SBA Office in 2004. Romona joined Ridgestone Bank in 2015 and will continue to serve businesses throughout the Ohio market with Byline Small Business Capital.

Michigan – Grand Rapids

PO BOX 3637
Grand Rapids, MI 49501
616 724 6220

David Moored
David Moored Vice-President, Commercial Lending
616 724 6220

Dave has worked for more than a decade as a commercial lender, focusing on SBA and USDA loan origination in Grand Rapids, Kalamazoo and other areas of Michigan. Prior to that, Dave had an extensive private business background for two decades as a CFO, Controller and General Manager in middle-market companies. This breadth of experience helps him understand the needs of his clients in the market while he focuses on finding creative solutions for his customers. Dave joined Ridgestone Bank in 2016 to head up its Michigan SBA loan production office, and is looking forward to the opportunities ahead with Byline Small Business Capital.

Missouri – St. Louis

 Lee Levinson
Lee Levinson Vice-President, Commercial Lending
314 308 1496

Lee is a seasoned professional who knows how to get results for his clients—with creativity. Throughout his career, Lee has earned a reputation for successfully finding exceptional ways to make deals and close loans when his competitors wouldn’t. Lee has more than 16 years of experience in SBA lending and is now considered one of the most proficient SBA 7(a) construction lenders in the industry. Prior to shifting his focus to banking, Lee also spent 16 years working in commercial real estate, where he specialized in office brokerage and development.

Minnesota – Minneapolis

230 Adam Circle
Carver, MN 55315-4506
952 240 7095

Al Johnson
Al Johnson Vice-President, Commercial Lending
952 240 7095

Al is an award-winning commercial banker/senior relationship manager with 17 years of comprehensive commercial and business banking experience. As a provider of small business financing utilizing government guaranteed lending programs, Al helps borrowers with business acquisition, owner-occupied real estate, expansion, refinance, and franchise financing. Al has extensive experience working with ag, medical, dental, legal, home health care, assisted living, service, retail, manufacturing, and distribution industries. His complete knowledge of SBA and USDA lending programs allows him to structure loans in a way that others cannot. Al joined Byline Small Business Capital in 2017 to head up its Minneapolis loan production office.