We’re a small, experienced team that’s seen small business loans from all sides — as business owners, advisors, and from inside the lending process.

Head of Business Plan Consulting & Lending Advisory

Josh is the person most clients speak with during their initial consultation — and the person who leads the business plan and loan-readiness work.

Josh is a former business loan officer and underwriter, as well as a CFO, consultant, and business owner with over 20 years of experience advising small business owners. He holds an MBA from Washington State University.

What this means for you:

1) Josh knows exactly what lenders look for in an application — and what they skip or reject. 

2) He helps identify lender red flags early, before they become deal-killers.

3) He gives straight talk about loan readiness, risks, and next steps — without hype or pressure.

4) And he works hands-on with clients to turn your loan application package into a real tool for funding, not just a set of documents.

Josh brings a rare combination of underwriting judgment and real-world experience as a business owner and advisor — which allows him to give clear, honest guidance about loan readiness and next steps toward funding.

Senior Accounting & Business Planning Advisor

Amber works closely with Josh and our clients throughout the business planning and loan preparation process.

She is an experienced accountant, CFO, and former business owner — including part ownership in a construction business and ownership of a retail tanning salon.

Amber has held senior finance positions across a range of industries over the past 20 years — and has a bachelor's degree in accounting from Arkansas State University.

Amber helps ensure that your financials:

1) are consistent and lender-sensible,

2) reflect how your business actually operates,

3) and make sense not just on paper, but in real life.

She also helps clients understand their numbers well enough to explain them — and stay organized and confident throughout the process.

Founder and Managing Director, Jay Street Group

Dan founded Jay Street Group to bring clarity, honesty, and real-world financial thinking to small business funding.

With 25 years of experience in finance and entrepreneurship — Dan has worked in financial markets at Citigroup and Deutsche Bank, advised business owners and investors across industries, and built and operated businesses himself. He holds an MBA from Columbia Business School.

While Josh and Amber lead the hands-on business planning and consulting work, Dan sets the direction and philosophy of the firm — and is heavily involved in client education and the development of our business loan workshops and coaching programs.

Dan’s focus is making the funding process clearer and more practical, so business owners can avoid costly mistakes — and pursue funding options that actually fit their business and support long-term growth.