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Francisco J. Flores, CPA

Managing Director - Credit Markets

Francisco has over 30 years in banking, leveraged lending, corporate finance, and investment banking with a focus on credit, workout, sales and administrative positions.  His background includes:

• 10 years organizing and operating a financial consulting and loan brokerage business – Focus Capital Advisors and Fox Valley Capital Corp.  Raised capital and provided Interim Controller services to clients.  

• 4 years with Bank of America as a Vice President, Middle Market Lending and Senior Portfolio Officer in the Special Assets Group. 6 years with Harris Bank, principally negotiating credit restructurings for financially distressed companies in the oil & gas industry.

• 8 years with National Westminster Bank USA, a New York-based middle market bank (subsequently merged into Fleet Bank and Bank of America), eventually heading up their Chicago Regional Office with responsibilities including administration, marketing, and portfolio management.

• 9 years in asset based and term lending on the origination side, including tenures with Congress Financial and CIT Group,

• Worked as Senior Consultant and originator with Morris-Anderson & Associates, a Midwest-based turnaround consulting firm.

• Played a key administrative role in the start-up, operation, and sale of Silica Glass Company, a successful family-owned company and the startup and launch of Sunology, a new consumer-products distributor.

• Served as Board Director and Chairman of the Education Committee of the Chicago/Midwest Chapter of the Turnaround Management Association; has been a member of the Association for Corporate Growth and Commercial Finance Association; served as Chairman of the Stewardship and Finance Committee of Holy Spirit Catholic Community in Naperville, Illinois.

Accomplishments Include:

  • Originating, evaluating, and/or underwriting 150 leveraged financing opportunities including asset-based, structured leasing, factoring, and private equity transactions; formally proposing on 46 financings ($1.1 billion).

  • Sourcing and closing transactions in excess of $181 million.

  • Managing a workout portfolio of $110 million of middle market and oil and gas credits, collecting $61 million in 2 years.

 Francisco has a: 

  • Bachelor of Arts from Northwestern University

  • MBA - Finance from DePaul University

  • CPA - Registered in Illinois by American Institute of CPAs

  • Deputy Black Belt in TaeKwonDo from US Martial Arts Tae Kwon Do Federation

Professional Affiliations:

 Illinois CPA Society

Turnaround Management Association


THomas E. Hall

Director - Credit Markets

Experienced Director with a demonstrated history of working in the banking industry. Skilled in Commercial Lending, Credit Analysis, Commercial Banking, and Management. My primary focus is assisting privately held businesses achieve their corporate objectives. Through application of management strategies acquired over 30 years and working with thousands of operating businesses, Hubbard Woods Capital Advisors and I can provide consultative value while helping guide decisions related to capital and financial services.
We are a group of seasoned professionals that are accustomed to working with manufacturers and distributors in cyclical industries, contractors, service companies and commercial real estate. WE can source a/r and inventory financing along with equipment and real estate financing.

Quinlan School of Business, Loyola University Chicago