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TCF Capital Funding - Our Team

Our Team

Our experienced team is committed to providing leveraged loans exclusively to the lower middle market. We are located in Chicago, IL. Please feel free to contact any of our team members.

Joseph P. Gaffigan, President
vCard Capital Funding Joe has 25 years experience starting and growing asset based and cash flow lending groups and has spent his entire career focused on the lower middle market. Prior to joining TCF Capital Funding Joe grew MFC Capital Funding from a de novo business to more than $600 million in commitments and previously formed and built Fifth Third Bank's Structured Finance Group. Joe began his career at American National Bank & Trust Company of Chicago where he managed an Asset Based Lending group. Joe is a graduate of Georgetown University and received his MBA from the University of Chicago's Booth Graduate School of Business.

Edward J. Ryczek, Senior Vice President
vCard Capital Funding Ed has more than 23 years of experience providing asset based, cash flow and mezzanine loans to the lower middle market. Prior to TCF Capital Funding he was a Managing Director at MFC Capital Funding and was a Director at J.P. Morgan Mezzanine. Ed began his career at American National Bank & Trust Company of Chicago where he managed an Asset Based Lending group. Ed is a graduate of the University of Illinois at Urbana-Champaign and received his MBA from Northwestern University's Kellogg Graduate School of Management.


Thomas G. Karle, Senior Vice President
vCard Capital Funding Thom has more than 20 years of experience in the banking and loan industry providing senior debt to the lower middle market. Prior to TCF Capital Funding, Thom covered East Coast marketing for Monroe Capital and prior to that was a Managing Director at MFC Capital Funding. Thom began his career at BMO Harris Bank where he spent 16 years in various roles. Thom graduated from College of the Holy Cross and earned a Masters degree in Accountancy from DePaul University's Charles Kellstadt Graduate School of Business.


James J. Kuncl, Senior Vice President
vCard Capital Funding Jim brings more than 15 years of experience to TCF Capital Funding with a background in both leveraged lending and corporate finance. Prior to joining TCF Capital Funding, Jim held Vice President roles with both MFC Capital Funding and GE, and was a Credit Officer at Bank of Tokyo-Mitsubishi. Jim began his career at Fifth Third Bank in their Structured Finance Group. Jim is a graduate of the University of Illinois Urbana-Champaign and received his MBA from Northwestern University's Kellogg School of Management.


Dan Delgadillo, Vice President
vCard Capital Funding Dan brings more than 10 years of experience to TCF Capital Funding with a background in commercial banking. Prior to joining TCF Capital Funding, Dan held the Interim President role with Mid America Bank, and was the Senior Vice President in charge of commercial lending. Dan began his career at Wells Fargo Bank in their Business Banking group as a relationship manager. Dan is a graduate of Santa Clara University.


Monica Briseno, Vice President - Operations
vCard Capital Funding Monica has extensive experience managing the operations functions for both asset based and cash flow lending groups. Prior to joining TCF Capital Funding, she served as Vice President and Operations Manager at Wintrust Business Credit and previously held the same titles at MFC Capital Funding. Monica began her career at Harris Bank in Chicago as a Collateral Analyst. Monica is a graduate of Robert Morris University.


Frances L. Miller, Assistant Vice President - Operations
vCard Capital Funding Frances has a wealth of operations experience within various leveraged lending firms. Prior to TCF Capital funding she was the Assistant Operations Manager at Monroe Capital and prior to that she was an Operations Officer at MFC Capital Funding. Frances has also worked at Harris Bank and Fleet Capital after starting her career as a Collateral Analyst at Sanwa Business Credit. Frances is a graduate of Robert Morris University.


Joe Horwath, Senior Associate
Joe focuses on structuring, underwriting, and managing transactions. Prior to joining the firm, he traded fixed income and preferred securities at a regional financial firm. Before that, he held leveraged lending roles at Denali Capital and Madison Capital Funding. He began his career in public accounting. Joe earned a B.S. in Accounting from DePaul University, and received his MBA from Yale University.


Mike Trojanowski, Associate
Prior to joining TCFCF, Mike held Associate roles with AEG Partners and Magna Principals and began his career as a Consultant with West Monroe Partners in their Enterprise Group. Mike is a graduate of the University of Illinois Urbana-Champaign and brings more than 6 years of experience with a background in corporate turnarounds and finance.


Kristin Montgomery, Collateral Analyst
Prior to joining TCF, Kristin worked for 5 years as a Collateral Analyst for Capital One Leverage Finance. Kristin started her career working as a Loan Processor for Conti Mortgage and worked for various other lending institutes such as Credit Suisse, Heartland Mortgage, and Stewart Title, and brings over 15 years of experience in the lending industry.


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