The Mountain Ridge team combines a passion for relationship lending with deep experience in asset-based solutions.
We invite potential borrowers, borrower representatives, and partners to contact any Mountain Ridge team member.
Craig Winslow, Chief Executive Officer
Craig combines national-scale ABL experience with a personalized focus on every borrower
Craig Winslow
Chief Executive Officer
Craig Winslow has been devoted to asset-based lending since day one of his career as an ABL field examiner auditing loans. Many loans later, Craig became a managing director at GE Capital and chief credit officer of GE Capital’s Retail Finance Group, with responsibility for that firm’s entire US and Canadian retail loan portfolio. Craig was also deputy risk officer at the middle-market consumer growth investment firm L Catterton. Craig has a special expertise in turnaround and restructuring challenges. He is a longtime volunteer with Junior Achievement, the nonprofit business education group for young people.
Blake Brown, Managing Director, Underwriting
Blake is known for his ability to help clients with both straightforward and more complex needs
Blake Brown
MD of Underwriting
Blake Brown has extensive expertise in secured finance with a focus on factoring and asset-based lending. Before joining Mountain Ridge, he held senior underwriting positions at several prominent non-bank lenders including Bibby Financial Services, Mitsubishi HC Capital, and most recently eCapital Corp., where he served as vice president.
Blake’s client experience spans a diverse range of industries including manufacturing, distribution, transportation, consumer packaged goods, apparel, staffing, and others. He has a proven history of facilitating both straightforward and complex transactions across the middle-market, lower-middle-market, and SMB sectors, always to help clients meet challenges and drive success.
Carrie Brown, Director, Compliance
Carrie’s compliance and underwriting expertise strengthens lending solutions for middle-market clients
Carrie Brown
Director, Compliance
Carrie Brown has more than 20 years of experience across receivables financing and asset-based lending including underwriting, portfolio management, and compliance. She is known for shaping innovative solutions that empower middle-market businesses with reliable working capital. Prior to joining Mountain Ridge Capital, Carrie was EVP of Factoring at Alpine Ridge Funding and previously held leadership positions at Sterling Commercial Credit, Axiom Bank, Pathward, and Edge Capital Lending.
Michael Carlson, Director, Business Development
Michael’s long experience in private credit serves borrowers well in the Rockies and West Coast regions
Michael Carlson
Director, Business Development
Michael Carlson originates loans in the Rockies and West regions and brings experience in many aspects of private credit. He was previously a vice president in lending at HPS Investment Partners, Chicago, and before that was at NXT Capital, where he focused on sponsor-backed transactions and portfolio monitoring. He also served as a commercial lender at Vectra Bank and an investment specialist for Cascade Investment in Seattle.
In addition to more than a decade of experience in private credit, Michael has experience in public markets and is a CFA charterholder. Now based in Aspen, CO, Michael brings a wide range of knowledge and experience to providing creative and effective solutions for borrowers.
Kevin Copenspire, Managing Director, Originations
Kevin’s deep relationships fuel originations across the Mid-Atlantic and Southern US
Kevin Copenspire
Managing Director, Originations
Kevin Copenspire has enjoyed a 25-plus-year career in asset-based lending having held various roles from field examination, portfolio management, underwriting and over a decade in originations. Kevin is responsible for the Mid-Atlantic and the Southern US where he maintains strong relationships with private equity sponsors, investment banks, and turnaround professionals. He was previously a Managing Director with Webster Bank where he was a top originations producer and managed a team of sales professionals. Prior to his time with Webster Bank, he was a First Vice President with LaSalle Business Credit.
Lucy Csizmas, Managing Director, Business Development
Lucy leads West Coast originations with deep experience in middle-market funding needs
Lucy Csizmas
Managing Director, Business Development
Lucy Csizmas is a 25-plus-year veteran of asset-based lending known for providing value-added financing solutions to companies in the manufacturing, distribution, service, retail/e-commerce, and many other industries. She is based in Southern California and leads West Coast originations for Mountain Ridge.
Lucy was previously director of business development for Edge Capital Lending and, before that, senior managing director with SLR Business Credit. She was SVP for Marquette Business Credit, now UMB Capital Finance, and held senior positions in investment banking and asset/business valuation and turnaround/operational consulting. Lucy is a member of Association for Corporate Growth, the Secured Finance Network, and Opus Connect.
Joe Curdy, Managing Director, Portfolio
Joe is recognized for his credit oversight experience and leadership
Joe Curdy
Managing Director, Portfolio
Joe Curdy has more than 30 years of asset-based lending experience with both bank and non-bank platforms, so he fully understands the challenges, opportunities, and concerns related to borrowers of many different credit profiles. Joe's career started with Congress Financial, and through a succession of mergers and acquisitions, he held management positions with top-tier lenders such as Wachovia and Wells Fargo. Before joining Mountain Ridge Capital, he served as chief risk officer at Austin Financial Services.
Joe has substantial expertise in portfolio management and credit oversight and a well-established record of developing talent, an advantage for the Mountain Ridge team and for our clients.
Chris DiFabio, Assistant Vice President
Chris’s expertise in collateral supports creative finance solutions
Chris DiFabio
Assistant Vice President
Chris DiFabio joined Mountain Ridge Capital after serving as a risk analyst and credit products officer at Texas Capital Bank and BBVA, respectively. He previously was an assistant vice president and lead collateral analyst at Sterling National Bank, Dallas (now Webster Bank), where he managed a team of collateral analysts and managed high-risk client accounts within the Specialty Finance Portfolio.
Scott Elliotto, Senior Managing Director, Originations
Scott’s three decades in ABL drive new business growth across the country
Scott Elliotto
Senior Managing Director, Originations
Scott Elliotto is an industry veteran with over 30 years of asset-based lending experience. Prior to joining Mountain Ridge Capital, Scott was one of the founding members of Siena Lending Group in 2012, holding roles in new business originations, President and CEO. Scott started his career as a field examiner for Congress Financial and went on to underwriting and new business originations roles at CIT Business Credit, GE Capital and Burdale Capital. Scott is based in New York and will continue to drive MRC’s growth through new business development across the country.
Jaxon Reneau, Portfolio Manager
Jaxon brings collateral and underwriting expertise to middle-market ABL relationships
Jaxon Reneau
Portfolio Manager
Jaxon Reneau joined Mountain Ridge Capital after more than three years with Wells Fargo Capital Finance, where he managed a portfolio of middle-market asset-based lending relationships and structured revolving credit facilities ranging from $15 million to $100 million. Working with companies across a diverse range of industries, he specialized in collateral analysis, portfolio management, and structuring customized working capital solutions. He most recently served as a Commercial Underwriter at VeraBank, further expanding his expertise in commercial credit analysis and underwriting.
Matthew Salatti, Chief Financial Officer
Matthew provides expertise across financial disciplines including accounting, planning, and transitional events
Matthew Salatti
Chief Financial Officer
Matthew Salatti oversees financial management of Mountain Ridge Capital and our sister company, Alpine Ridge Funding, including accounting and controls, financial planning, tax, and treasury. His expertise includes not only accounting, auditing, financial statement evaluation, tax preparation, and tax planning, but also the financial side of growth- and transition-related business matters including business sales and acquisitions. Matthew is a CPA and a member of the New York State Society of Certified Public Accountants.
Sean Spring, Executive Vice President, Underwriting
Sean’s three decades of ABL leadership span originations, underwriting, and portfolio management
Sean Spring
Executive Vice President, Underwriting
Sean has over 30 years of asset-based lending experience. He has originated, underwritten, closed, and managed hundreds of transactions in support of refinancing, growth, recapitalizations, acquisitions, turnarounds, and debtor-in possession credit facilities. Before joining Mountain Ridge Capital, Sean held senior leadership positions at Legacy Corporate Lending, Banc of California, Ares Management, First Capital, Wells Fargo Foothill, and Bay View Financial. He has been a board member of SFNet (Secured Finance Network) Southern California. Sean holds a BA in economics from San Diego State University and an MBA from Pepperdine University.
Thomas Stone, Managing Director, Loan Operations
Thomas is a leader in commercial loan operations and collateral management
Thomas Stone
Managing Director, Loan Operations
Thomas Stone is an experienced leader in commercial loan operations and joined the Mountain Ridge Capital team in 2026. His background in asset-based lending and banking operations is complemented by military experience and education that developed him into a well-rounded, decisive leader. Prior to joining MRC, his career spanned multiple large regional banking institutions including M&T Bank, Sterling National Bank, and its successor Webster Bank. During his time at Sterling/Webster, he oversaw daily loan operations and led the integration of two merging analyst teams into one combined group, driving operational accuracy and efficiency.
Dylan Walter, Vice President, Originations
Dylan provides creative solutions to serve middle-market ABL clients with underwriting and loan management
Dylan Walter
VP of Origination
Dylan Walter has worked in asset-based lending for a decade providing field exams and consulting services for a wide variety of lenders, private equity groups and other financial institutions. Before joining Mountain Ridge Capital, he was a senior field examiner and trainer for the Capital Finance division of UMB.
Daniel Williams, Managing Director, Business Development
Dan combines innovative deal structuring with a strong focus on building relationships
Daniel Williams
Managing Director, Business Development
Dan Williams has deep experience meeting the credit needs of middle-market businesses. He began his career developing a keen understanding of collateral values at Gordon Brothers in Boston, then served in a variety of lending roles within BankBoston/Fleet’s nationally focused retail finance group.
Dan then joined GE Capital’s retail finance group in New York, where he helped build a national retail- and consumer-focused leader. He has also led business development efforts across platforms at HSBC, BNP Paribas, and most recently Eclipse Business Capital. Dan is focused on Northeast market coverage from his home base in New Jersey and travels frequently around the New York, Philadelphia, and Boston area to learn about and serve clients.