Asset Based Lending
William Gould is a co-founder of MidCap Financial and President of Asset Based and Life Sciences Lending. Prior to joining MidCap, Mr. Gould created and ran the life sciences venture finance practice for Merrill Lynch Capital Healthcare Finance. Mr. Gould also served as a Team Leader responsible for underwriting asset based and specialty real estate loans at Merrill Lynch Capital. From 2001 to 2003, Mr. Gould was a Vice President at GE Capital’s Healthcare Commercial Finance business unit where he led the asset based underwriting group. Mr. Gould also spent four years in the corporate and securities group of the law firm of Hogan and Hartson. Mr. Gould holds a B.A. in Philosophy from Haverford College and a J.D. from the University of Virginia School of Law.
Garrett Fletcher currently heads MidCap’s Asset Based Lending group. Mr. Fletcher has over 10 years of experience originating, structuring and executing debt financings for healthcare companies. Prior to joining MidCap, Mr. Fletcher was head of asset based underwriting for Merrill Lynch Capital Healthcare Finance. Mr. Fletcher has also worked in various underwriting capacities for GE Capital Healthcare Commercial Finance and its predecessor entities, Heller Healthcare Finance, and Healthcare Financial Partners. Mr. Fletcher holds a B.A. in Biology with Distinction from the University of Virginia
Bill Rubenstein is an originations officer for MidCap’s Asset Based Lending group. Mr. Rubenstein has over 15 years of experience originating, structuring and executing debt financings for healthcare companies. Prior to joining MidCap, Mr. Rubenstein was a Director for Merrill Lynch Capital’s healthcare unit. Mr. Rubenstein has also held originations positions at DVI Business Credit Corp. and Bank of America’s Healthcare Capital Division. Mr. Rubenstein holds a B.S. in Commerce from DePaul University.
Steve Silver is an originations officer for Midcap’s Asset Based Lending Group. Prior to Midcap, Mr. Silver served as the President and Founder of AutoFinance Partners, LLC , a national sub-prime auto lender. Prior to AutoFinance Partners, LLC, Mr. Silver was Chief Marketing Officer of CapitalSource Inc. (NYSE:CSE) where he managed the Company’s branding, PR, internal communications and advertising activities. He also implemented and managed the cross-selling efforts for the company. Prior to CapitalSource, Mr. Silver has held various executive positions with GE Capital Healthcare and its predecessor entities, Heller Healthcare, and Healthcare Financial Partners. Mr. Silver holds a B.S. in accounting from State University of New York at Albany and is a licensed CPA in New York.
Thomas Couch is an originations officer for MidCap’s Asset Based Lending group. Mr. Couch has over 25 years of experience originating, structuring and executing all types of senior debt facilities to a broad range of healthcare companies in a variety of complex scenarios. Prior to joining MidCap, Mr. Couch was a Director for CapitalSource Healthcare Group. Mr. Couch has also held positions at Merrill Lynch Capital Healthcare Group, and Siemens Financial Services–Healthcare Finance. Mr. Couch has a B.S. from Florida State University.
Stephen Redlich is a Managing Director – Underwriting in MidCap’s Asset Based Lending group. Prior to joining MidCap, Mr. Redlich was a Partner at Novogradac & Company and previously a Senior Manager at Ernst & Young. Over his career, Mr. Redlich has managed, provided technical advice and performed due diligence, market and financial analyses, RFP development, proposal evaluations, negotiations and portfolio management for large and small private sector and federal real estate and finance projects. Mr. Redlich holds an M.B.A. from the University of Maryland and a B.S. in Civil Engineering from the University of Pennsylvania.
Bruce Jennings currently directs MidCap’s due diligence services, working primarily with the Asset Based Lending and Real Estate Lending groups. Mr. Jennings has over 10 years of experience in healthcare finance, most recently managing due diligence efforts at Merrill Lynch Capital Healthcare Finance. Mr. Jennings has also worked in various accounting and finance, due diligence and portfolio management roles with GE Capital Healthcare Commercial Finance, Heller Healthcare Finance and Healthcare Financial Partners. Mr. Jennings has an additional eight years experience in the healthcare industry, serving as CFO and Controller with several nursing home, hospice and home health organizations. Mr. Jennings holds a B.S. in Business Administration from Cornell University.
Michael Ciatto is an underwriter in the Asset Based Lending group at MidCap Financial where he is responsible for structuring, negotiating and executing senior financing for middle market healthcare companies. Prior to joining MidCap, Mr. Ciatto was a Vice President in the Financial Sponsors Group in the Investment Banking Division at Barclays Capital, based in Los Angeles. Prior to Barclays, Mr. Ciatto was an Associate in the Investment Banking Division at Credit Suisse. Mr. Ciatto earned his M.B.A. from the Wharton School at the University of Pennsylvania, and his B.S. in Finance and Management Information Systems from the Robert H. Smith School of Business at the University of Maryland.
David Ding is an underwriter in MidCap’s Asset Based Lending Group where he is responsible for structuring, negotiating and executing senior financing for middle market healthcare companies. Prior to joining MidCap, Mr. Ding was an Investment Banking Associate in the Financial Institutions Group at Goldman Sachs where he focused on mergers and acquisitions. Mr. Ding started his career at SNL Financial. Mr. Ding holds an M.B.A. from the Darden School of Business and a B.S. from the McIntire School of Commerce at the University of Virginia.