Our Team

Henry Wozow

Principal and CEO

Time and again, small to medium-sized business owners come to me with the same problem–cash flow. Often, they are a thriving business with no shortage of revenues, but their money is tied up in accounts receivable. They haven’t offered term discounts to their customers for paying invoices quickly; they lack the resources to collect on outstanding invoices; or they just received a purchase order for products they don’t have the funds to produce.

This is my story. I found success in the printing industry and from there, built one of the best factoring companies in the country.

THE UNIVERSAL FUNDING STORY: HOW A FACTORING COMPANY WAS BORN.

Our CEO and founder, Henry Wozow and his wife Pattie, started a printing company more than 30 years ago. During a growth phase, Henry actually used accounts receivable financing and factored the invoices of his rapidly growing printing company until he was able to obtain traditional financing. Thanks to this decisive action and a decade of savvy planning, his business flourished and was sold for a considerable profit. Our CEO has been in the same place as our clients and made a decision that changed the course of his business.

Henry’s hands-on business approach helped him recognize that the gap between receiving payments from customers and paying suppliers for raw materials caused a disruption in cash flow which was stunting growth. Growth presents the usual challenges: changes in technology, increases in marketing spend, purchasing more raw materials, hiring more staff, etc. When cash flow is stifled, how are these needs addressed? For Henry, the solution was invoice factoring.

After selling his printing company, Henry started a factoring company to help other businesses achieve the growth that he experienced first-hand. He knew that if businesses had quick access to capital funding, they would be able to take advantage of their growth. 30 years ago invoice factoring was a financing alternative that was specifically used in a few key industries such as printing and the garments. Today, industries have increasingly found the value in factoring. The transportation and staffing industries thrive with the help of invoice factoring. In addition, the IT industry is one of the fastest growing sectors benefiting from invoice factoring.

Growing companies can turn to Universal Funding Corporation and know that they are working with factoring experts. Call us today at 1-844-334-1683 to find out if invoice factoring can help you get needed cash flow.

Kyle Bergstedt

President & General Counsel

Kyle works closely with all aspects of Universal along with a significant portion of our clientele. He has experience working on tax issues with the IRS and multiple areas of finance (capital budgeting, economic planning and evaluation) that allows him to understand the various needs of our clients affected by specific industries and geographic regions.

As a veteran of the U.S. Navy, Kyle is proud to have served his country. After his service, he completed his undergraduate degree and then went law school at Gonzaga University (GO ZAGS!).

Kyle is actively involved in our community serving as a Board Member for North East Youth Center, a local non-profit organization providing before and after school activities for children in the community. He also contributes to our community by volunteering for 2nd Harvest Food Bank and sponsoring/participating in the Transitions golf tournament to benefit homeless women and children.

Jordan Hestness

Vice President of Operations

Jordan is involved in the daily operations at Universal Funding and has been with the company for more than 10 years. His responsibilities include managing internal employee relations and overseeing the company’s marketing, sales, and underwriting teams.

Jordan earned a Bachelor's degree in business administration from Gonzaga University with an emphasis on finance. He grew up in Coeur d’Alene, Idaho and enjoys everything the area has to offer including golfing, snowmobiling, and boating.

Monica Wozow

Principal and Corporate

Monica’s goal is to make the funding experience for each prospective client as enjoyable as possible. The knowledge she has in our industry and in every facet of our business allows her to achieve the highest standard of financing for our clients. As a family-owned business, Monica feels each client is entering into our Universal Funding Corporation family. We take each client in to assist their company for the immediate need and build the long term relationship they desire.

In 2013, the International Factoring Association began offering a Certified Factoring Account Executive designation, the first professional certification of its kind that recognizes professionalism and superior knowledge within the factoring industry. Monica sat for the exam and became one of the first Portfolio Managers to achieve the CFAE certification in the industry.

Jeff Kinservik

Vice President of Sales

Listening to our prospective clients is how Jeff is able to gain an understanding of their financial needs and introduce the right factoring program. With a very calm and comfortable manner, he handles each and every situation with ease. Help is on the way when Jeff answers your call.

Growing up on the Columbia River, he is active in almost every outdoor sport the northwest has to offer. Golf, snowboarding, wakeboarding, waterskiing, fishing, hunting, you name it, Jeff does it. He is a fitness instructor, a small business owner (unique home storage components), and worked as a jet propulsion specialist in the U.S. Air Force. He is the proud father of a wonderful boy, who treats us to his smile when he comes to visit his daddy.

Ryan McCrery

VP of Business Development

Ryan McCrery helps people and their businesses get the needed infusion of operating capital to maintain and / or grow their business. As Vice President of Business Development, Ryan believes that we must first evaluate the client's needs in order to provide appropriate financing solutions for them to reach their goals. He always strives to educate the customer about our services, benefits and whether it is the right fit for their specific needs.

Ryan has a diverse background in a variety of industries with a number of Fortune 50 companies including Intel and Nike. This broad experience allows Ryan to bring a strong business acumen to the Universal Funding team and its potential clients.

Federico Aguilar

Account Executive

In his role as Account Executive, Federico helps Universal Funding clients achieve their goals by managing their accounts receivable funding and maintaining day-to-day communications. Federico’s background includes working for Walker’s Furniture and Mattress as Bookkeeper and Merchandise Receiving and Payables. He has a Bachelor’s degree in Professional Accounting as well Management Information Systems.

In his free time, Federico enjoys fishing, going to the gym, and watching horror movies!

Manuel Arroyo

Managing Senior Underwriter

In his role as managing senior underwriter, Manuel works closely with potential clients ensuring accurate documentation is collected and that the process goes smoothly and efficiently. Manuel has a Bachelor of Arts in Professional Accounting with a minor in Spanish from Eastern Washington University. His previous professional experience includes work as a bookkeeper and commercial bank teller.

Jennifer Baudino

Accounts Receivable Representative

As an Accounts Receivable Representative, Jennifer works with Universal Funding clients to quickly collect accounts receivable. Jennifer’s previous experience includes work in the medical industry as medical biller, dental assistant, and executive administrative assistant—all of which, have contributed to her positive, customer-focused approach to her current role.

Jennifer has lived in the Spokane area for last 21 years, but grew up in Southern California as well as Central Washington prior to establishing roots in the Pacific Northwest. She loves the outdoor environment of the region and the vibrant colors that come with each season. When she’s not working, Jennifer enjoys her time tending to her garden, spending time with her family, and going to new restaurants for creative ideas for meals like the “Nailed It” TV series inside her own kitchen!

Megan Coleman

Account Executive

As an Account Executive, Megan manages accounts receivable funding and maintains day-to-day interactions with Universal Funding clients. She previously worked for Alaska Federal Credit Union, Spokane, as Senior Financial Services Representative before joining the Universal Funding team. Megan has a Bachelor's degree in Finance from Eastern Washington University. She is currently working on her Masters in Quantitative Analysis online with Southern New Hampshire University. When she's not solving client problems or math problems, Megan enjoys baking, stained glass mosaics, cross stitching, and card making.

Colin Lloyd

Senior Underwriter

As a senior underwriter, Colin works closely with potential clients ensuring accurate documentation is collected and that the underwriting process goes smoothly and efficiently.

Colin has a Bachelor of Arts in Business Administration with a minor in Economics from Washington State University and is an avid Cougars fan. He previously worked for Washington Trust Bank in the Small Business Administration department.

Crystal Lowell

Credit Manager

In addition to representing our clients and facilitating the progress of their factoring programs, Crystal assists and supports our staff in all departments. In order for a multiform system such as factoring accounts receivable to function properly, we must have effective communication among everyone involved, and Crystal is essential to this process.

Nine years of medical billing experience and a B.A. in Economics and Finance with a minor in International Business are a few of the strengths Crystal brings to the Universal family. She is very athletic, participating in city and county league softball and volleyball. Being brought up on a wheat and cattle farm in central Washington, Crystal knows what it means to work hard within a family. That’s one reason she fits in so well here at Universal Funding.

Angie Lumia

Collections Specialist

Angie was raised in Tucson AZ and moved to Coeur d’Alene Idaho over 20 years ago. While she misses the desert, the Inland Northwest is the place to for her. After leaving a career in newspaper production, Angie spent 17 years in customer service where she handled everything from customer inquiries and account resolution to accounts receivable collections. Angie's focus is and always has been customer satisfaction.

Angie is also a property manager for Northwest Property Management.

Michelle Massie

Office Coordinator

Michelle is an integral member of the Universal Funding family and comes to us with many years of administrative experience. Her hard work, persistence and drive along with cheerful attitude make her a great addition to our team as well as a first point of contact for our clients. Currently, she resides in Spokane with her two dogs that keep her very active. She is also an avid runner and loves to be outdoors any time she can.

Diane Paul

Account Executive

Diane grew up in Spokane and attended the University of Washington in Seattle earning her BS degree – go huskies! After realizing it really does rain all the time in Seattle, she moved back to Spokane. Diane started with Seafirst Bank out of college and after many mergers retired from Bank of America after working there for 32 years.

While with Bank of America, she had the opportunity to work credit card and debit card fraud (before debit cards were ever popular!). On the branch banking side, she worked with business and personal checking accounts along with teller activities and then eventually went back to work for the credit card side of the bank (when that department moved to Spokane) working in the credit area as a loan authorizer.

She ended her career with Bank of America working on the merchant side of the credit card industry working in a variety of arenas such as disputes and chargebacks, special compliance projects, terminal reprogramming, online system merchant assistance, and also with customer. She also had the opportunity to work in the smaller business arena working for her father’s legal office for a number of years. Through her diverse experience Diane has definitely developed a strong appreciation for customer service and a passion for providing the best customer service she can for my clients.

Diane is a mother of 3 children and grandmother of 3 absolutely wonderful granddaughters. She enjoys her grandma time with her granddaughters, working Sudoku puzzles, quiet time to walk with her dogs enjoying the outdoors, and relaxing on a sunny beach.

Domenique Peters

Senior Account Executive

Pat Presley

Referral Network Manager

As the Partner Relations Manager at Universal Funding Corporation, Patrick assists clients who don’t fit the Universal credit criteria (business size, industry, type of funding needed, etc.) find the financial product that will best meet their needs. Patrick utilizes his extensive referral network and industry experience to serve clients’ needs. He also works with and manages the growing Universal Funding Corporation broker network, both educating them about our factoring program and helping their clients get the best chance to be successful in their financial journey.

Patrick’s customer-centric approach and “can do” attitude ensures every client will at the very least be placed in front of a funder who may be better suited to fulfil their business model and needs—if Universal is unable to fund them directly.

Patrick’s motto is, “Success requires the vision to see, the faith to believe, and the courage to do”. Let Patrick help you be successful in your business endeavors!

Angie Roskowyk

Office Assistant

Angie brings a diverse background to the Universal Funding team. She has three degrees, one in fashion merchandising, dental assisting and medical billing. All make her ideally suited to help with the day-to-day operations of helping clients and staff!

Prior to joining Universal Funding, Angie worked in the billing department at Advanced Dermatology. She bring more than 20 years experience in the medical billing and front office to her role as Office Assistant. When she's not working, she is taking care of her son, enjoys fitness as well as baking.

Nick Skinfill

Account Executive

As an Account Executive, Nick manages accounts receivable funding and maintains day-to-day interactions with Universal Funding clients. He previously worked as a Contract Administrator and Safety Director at AllStar Glass Company.

When Nick is not helping clients with their accounts receivable funding, he enjoys gardening, woodworking and is an avid reader.

Pam Wallace

Director of Marketing

Serving as the Director of Marketing at Universal Funding, Pam plays a major role in setting the strategy for marketing, brand development and lead generation campaigns. Through her commitment to this role, she helps Universal Funding improve its brand, market position and customer relationships.

Before joining the Universal Funding team, Pam has served in strategic marketing roles for organizations in a variety of industries ranging from technology and healthcare to professional services.