The Opportunity

We Understand What it Takes

Whether you are a current lender looking for assistance to take your KPI’s to the next level or you are an investor looking for a unique investment with significant returns, we have the team to help you reach your goals.

For investors looking for a unique passive investment that far exceeds the returns of traditional alternatives, we will set you up with a turnkey Online Installment Lending business that you will 100% own.

It will be managed by a historically successful, operationally mature and transparent team, to achieve a profitable and sustainable loan portfolio for any investment scope.

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The Highest Possible Chance of Success​

We’re able to ensure the highest possible chance of long-term success with a combination of experience, advanced proprietary technology, performance metric analysis, and optimization, minimized cost structures, proven underwriting algorithms, established relationships, and instant traction into a highly scalable market.

We handle everything from customer acquisition to customer retention to customer write-off and everything in between. Whether you’re an industry expert or new in this space, we’ll cater to your expectations and comforts at every step.

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Proven Leadership, Proven Success

Part of what sets this offering apart from others, aside from an unprecedented level of profitability and sustainability, is the level of direct access you’ll have to industry-leading experts. Our successful operational team has 10+ years of ownership experience in every facet of the lending business including:

Origination

Origination

Payments

Payments

Collections

Collections

LMS Software

LMS Software

Customer Acquisition

Customer Acquisition

adam march

Adam March

Founder & Board Member

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daniel valentine

Daniel Valentine

Founder & Board Member

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Scott Zoldan

Scott Zoldan

Founder & President

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Richard Heaton

Richard Heaton

Chief Executive Officer

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Michael March

Michael March

Chief Technology Officer

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Jonathan Gentile

Jonathan Gentile

Chief Financial Officer

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adam march

Adam March

Founder & Board Member

Adam serves as Credit Deployment Services’ Creative Director that focuses on investment opportunities. After 20 years in the Fintech space, he worked with companies that focus on delinquency management, loan management, payments, decisioning, software, and consulting, Adam is a multifaceted operator in the Fintech space. In his third decade, Adam is building a team around him with a keen eye on efficiency, scale, and asset management strategy to take on the ever-changing future of the industry.

As an avid basketball fan, Adam owns the 2022 championship Blue Collar U team and helps fund and assist operations for various youth-based basketball organizations in the Western New York area.

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daniel valentine

Daniel Valentine

Founder & Board Member

Dan’s entrepreneurial journey began in 2004, and since then, has formed numerous successful ventures in the financial technology sector. Dan’s primary focus is to develop new strategic partnerships and continuously grow Credit Deployment Services’ customer base. He attributes his success to having a customer-first attitude that has driven continuous expansion in Credit Deployment Services’ reach.

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Scott Zoldan

Scott Zoldan

Founder & President

Scott founded Credit Deployment Services along with Adam March and Daniel Valentine in 2017. He currently serves as the President, where he actively oversees all functions of CDS. Scott has been involved in lending, customer acquisition, and portfolio management since 1995, and – more specifically – in specialty finance since 2010. Scott has experience in building organizations from the ground up and has been the point man in many successful lending operations. He also has experience taking existing organizations and turning them profitable through operational changes, as well as strategically positioning them for a profitable purchase. In a prior role, Scott served as a national executive for Home Depot Home Services in customer acquisition. Scott attended The Ohio State University and received a Bachelor of Arts in Business Management.

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Richard Heaton

Richard Heaton

Chief Executive Officer

Richard joined Credit Deployment Services in October 2019 and is responsible for overseeing the execution of the company’s strategic vision. He is a Certified Public Accountant with 18 years of experience in the specialty finance space and spent several years in public accounting, where he managed audit and consulting teams for numerous high-profile clients in industries that include manufacturing, service, and specialty finance. He leverages this experience to spearhead internal control frameworks, BSA/AML programs, and the restructuring of operations to create efficiency and scalability.

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Michael March

Michael March

Chief Technology Officer

Michael joined Credit Deployment Services in October 2019 and is responsible for its product development and technical direction. He brings 18 years of experience in the fintech industry, focusing recently on building and scaling applications in modern cloud environments. He previously worked at HSBC as a Global Enterprise Engineer (awarded only to the company’s top engineers). He gained knowledge working on large-scale projects around the globe with teams in Hong Kong, India, and the UK. He has a wealth of experience ranging from legacy mainframe systems, hardware management, SAAS offerings, and cloud computing.

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Jonathan Gentile

Jonathan Gentile

Chief Financial Officer

Jonathan joined Credit Deployment Services in December 2022 and serves as Chief Financial Officer responsible for accounting and financial planning, operations, compliance, and reporting.

Prior to joining CDS, Jonathan spent 6 combined years at a local Western New York manufacturing, distribution, and fabrication company as Financial Controller and then Chief Financial Officer as well as 12 years in public accounting where he managed assurance and consulting engagements in various industries including manufacturing, distribution, service, and financial technology.

Mr. Gentile holds a Bachelor of Science in Accounting from the State University of New York at Geneseo and is a Certified Public Accountant in the state of New York.

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