THOMAS R. HIGGINS, FOUNDER
Originally trained in public accounting, Tom has been involved in commercial finance since 1981. Prior to founding CREATIVE COMMERCIAL FUNDING, Tom held Executive Vice President positions for major commercial finance companies. In these positions, he was responsible for growth, credit quality, and P&L performance. Tom holds a B.A. in Accounting from St. Mary's College, Winona, MN, and a M.A. in Management from Claremont Graduate University.
WILLIAM F. ELLIOTT, PRINCIPAL
Bill has been in commercial finance since 1981. He spent the first 25 years of his career with large commercial finance institutions, rising to senior executive positions. Since 2004, he has been involved with smaller entrepreneurial lending institutions, including a factoring company that he owned and operated for a number of years. In his career, he has been responsible for revenue generation, portfolio management, underwriting, and P&L performance. He holds a B.A. in Economics from The University of Notre Dame.