Ideal Clients – (New clients are being accepted)
- Businesses seeking conventional financing (including SBA Loans) for working capital, lines of credit, business expansion, fixed asset (equipment and real estate) acquisition and/or refinancing, purchasing a business, or a complete debt restructure.
- Small to mid-sized business in any type of business segment with revenues from $1.0 million to $50.0 million which are located in the greater Houston, Texas marketplace.
- Business owners seeking financial assistance, directional guidance, general business advice and solutions to business questions, problems, and challenges.
Financial Services Industry Executive with years of experience working with and listening to small business owners’ desires, ideas, plans and concerns and developing well thought-out and researched solutions that meet their individual needs or accomplish their respective goals in a mutually agreed upon manner that can actually become reality.
Proven track record in the following areas:
|Business Plan Development||Effective Negotiating||Working with Financial Institutions|
|Financial Management||Relationship Building||Strong Analytical Skills|
|Organization Improvement||Strategic Thinking and Planning||Dealing with Difficult Situations|
|Budget and Forecast Modeling||Setting up Advisory Boards|
Business and Career Background
Richard has worked for large national financial institutions as well as regional and local community banks. He has held positions as Regional President, Senior Vice-President, Department and Group Manager, and National Marketing and Sales Director, and Branch Manager. Financial services groups reporting to Richard have included small business banking, international and domestic private banking, executive and professional banking, consumer banking, indirect auto, student lending, central credit, mortgage lending, workout solutions, and community development.
As Director, President, or Officer with over 30 different organizations, Richard has a long history of serving in leadership capacities in the non-profit and community service sectors. Currently, he is the Chairman of the Silver Fox Advisors and President of the Linda Lorelle Scholarship Fund. He was the first non-attorney to Chair a State Bar of Texas Committee and a local Houston State Bar Grievance Committee. He is also a life member of two public service entities. He has received numerous awards including the Independent Bankers Association of Texas’ President’s Award.
Horizon Associates, Inc.
P.O. Box 55
Katy, TX 77492