Hello
Meet our founder and lead consultant, Michele Toland, a seasoned professional with a wealth of experience in banking and leasing operations, technology consulting, software implementation services, product design and sales.
"What truly drives me is the purpose behind the work—making meaningful impact at scale, solving complex challenges with creativity and strategic insight, and serving as a trusted partner along the journey. I’m here to help financial institutions advance their digital maturity and raise the bar for what’s possible in our industry, one "ah-ha" moment at a time."
My Story
My journey began inside a bank-owned equipment leasing firm, where I gained a full-circle understanding of how finance moves—from credit to operations, sales to asset management, cradle to grave. It was a place that taught me discipline, attention to detail, and the importance of collaboration.
Over time, I craved more flexibility and closer connections with clients. That led me to an independent technology lessor, where I embraced the fast-paced, hands-on world of entrepreneurial finance—learning to adapt quickly and craft solutions tailored to unique challenges.
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Next came the excitement of building something from scratch at a captive finance startup serving a rapidly growing transportation company. There, I helped design the financial frameworks and partnerships needed to support rapid growth while balancing innovation with risk.
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This evolving path naturally steered me into software—where I could blend deep industry knowledge with technology. From a leasing automation startup to a global software developer, I influenced product development, sales, marketing and implementation, bridging traditional finance with fintech innovation.
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Today, this diverse path converges in the current phase: independent consulting and advisory services. Drawing from every chapter—leasing, lending, software, startups, and global scale—offering a full-spectrum perspective. Whether supporting a mid-size bank modernizing its systems or advising a startup on embedded finance models, or developing a new or enhancing a current software product, the value is consistent: deep industry insight delivered with hands-on experience.
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What People Are Saying
“Wonderful innovation partner is the phrase that comes to mind when I think about Michele. Michele would be a true asset... creative thinking, leasing and lending domain expertise, and software experience and comes with my heartfelt recommendation."
Deb Reuben
TomorrowZone
"Michele's innovative way of thinking, attention to detail and ability to articulate what we needed...helped us launch a successful system rollout. She exceeded our expectations with her ability to design and define. She is a highly valued partner to my team."
Kim Memoli
Presido
“With deep industry knowledge, a strategic mindset, and collaborative spirit Michele is an invaluable partner...
I wholeheartedly recommend her to any organization seeking a results-driven expert who’s also a genuine pleasure to
work with.”
Steve Nippak
Odessa
