Our role
PFCS acts as a commercial finance consultant and broker. We help define the request, assess possible structures, organize information and coordinate communication with third-party lenders and capital providers.
ABOUT PFCS
Independent guidance for consequential financing decisions
Patriot Financial Consulting Services was built to help borrowers approach commercial financing with greater clarity, stronger preparation and access to multiple potential capital paths.
Discuss your financing need →Our standard
We believe borrowers should understand not only a quoted payment or rate, but also fees, collateral, guarantees, covenants, prepayment terms, draw conditions and execution risk.
MEET THE TEAM
Experience behind every financing conversation.
PFCS combines commercial banking perspective, lending leadership and hands-on transaction coordination to help clients navigate demanding financing assignments.
FOUNDER · COMMERCIAL FINANCE ADVISOR
Andrew Stein
More than 15 years of experience across commercial banking, relationship management, lending operations and executive leadership.
Andrew brings a lender-informed approach to complex commercial financing. His background includes leadership roles with Infinite Lending Group and Finco Lending, following nearly a decade in banking as an Assistant Vice President and Relationship Manager with Santander Bank and Beneficial Bank.
That experience gives him a practical understanding of how lenders evaluate borrowers, structure credit, assess risk and move transactions through underwriting. At PFCS, Andrew helps business owners, investors and developers organize sophisticated requests, identify viable capital paths and communicate the transaction clearly to prospective financing sources.
Commercial credit perspectiveComplex transaction strategyLender communicationRelationship management
2009–2016AVP, Relationship ManagerBeneficial Bank
2016–2019AVP ManagerSantander Bank, N.A.
2019–2023Chief Operating OfficerFinco Lending Inc.
2023–2025PresidentInfinite Lending Group
Prepared for complexity.
From working-capital requests and business acquisitions to commercial real estate, construction, bridge and value-add financing, Andrew’s experience supports a disciplined review of the borrower, collateral, cash flow, structure, timeline and execution risks. PFCS does not guarantee financing, but clients benefit from experienced guidance throughout the process.
FREQUENTLY ASKED QUESTIONS
Important questions, clearly answered.
Who does PFCS serve?+
Business owners, commercial real estate investors, developers, transportation companies and other qualified borrowers seeking commercial financing.
Does PFCS lend its own money?+
No. PFCS is not a bank or direct lender.
READY TO EXPLORE YOUR OPTIONS?
Bring us the opportunity.
We’ll help you understand possible paths forward.