Rob Misheloff
Vice President/ Founder
Rob Misheloff is a finance professional and the founder of Smarter Finance USA, an equipment financing firm serving small and mid-sized businesses nationwide.
He has more than 20 years of experience in financial analysis, business valuation, and financial services marketing.He holds a Bachelor’s degree in Economics from the University of California, Irvine, an MBA in Finance from Pepperdine University, and has passed Level II of the CFA program.
Rob founded Smarter Finance USA to bring more transparency and straightforward guidance to the equipment financing industry. He hosts The Smarter Business Finance Podcast and has been featured on outside podcasts and industry publications discussing equipment financing, trucking finance, and common financing traps for small businesses.His insights and commentary have appeared on platforms and publications including Manufacturing.net, Overdrive, The Lead Pedal Podcast, Water Well Journal, FreightWaves, and Business.com.
Larry Molenburg
President
Larry has over 15 years of experience in sales and finance, the last 10 dedicated to commercial.He started his commercial career in asset management/remarketing then transitioned to a full-time finance roll in 2016.Since then, he has been involved in thousands of transactions totaling hundreds of millions of dollars by working with both customers and vendors directly.
Prior to getting into sales and finance Larry served as a Security Forces member of the USAF.(fun fact: so did Chuck Norris, so he’s basically the Chuck Norris of commercial finance).He was stationed in Minot, ND; Guam; Wichita Falls, TX; and 1 tour in Iraq.Larry says his military background has absolutely been a factor of his success in this industry because integrity and accountability are engrained in everything he does.
Larry is a native Texan where he still resides with his family. In his free time, he enjoys spending time with his wife, 2 kids and 3 dogs. He’s an avid outdoors man who loves to hunt, fish, wake surf and golf.
“I chose this career field because I truly care about helping people put food on the table for their families. I’ve had countless customers and vendors call me after a transaction funds to express their gratitude for helping their business, those are the best commissions I’ve ever earned” – Larry Molenburg
Clem Muhammad
Senior Account Manager II
Clem is a Chicago native that has been calling Las Vegas home for the past 23 years. He spent most of his early years in Las Vegas in the car business until he started a trucking company, hauling sand & gravel for new home builders. That lasted until the housing market collapsed in 2007. Clem, then found himself back in the car business, where he ultimately opened his own dealership then in 2018 he decided to leave the car business for good. Later that same year he found a home at Smarter Equipment Finance and fell in love with helping business owners finance Commercial Equipment. When he’s not banging away on a keyboard, or submitting loans, he spends his spare time playing golf, traveling, and enjoying fine cigars.
Robert Jackson
Senior Account Manager II
They call me Robert.
I’m a 4-time President’s Club Winner with Smarter Equipment Finance and I’ve helped hundreds of business owners acquire new and used equipment.
I don’t foresee myself working for anyone else in this industry and will remain with SEF as long as I can.
I’ve lived in Las Vegas for 17 years. I’m married with one four-year-old daughter and she, like most kids at that age, is the light and life of my world.
In my free time, you’ll often find me reading a book, going to the gym, running, hiking, planning my next vacation, or spending time being a Dad.
I find that most people like me, and for those who don’t, it doesn’t bother me because they’ve got bad taste.
Alex Jackson
Senior Account Manager II
You can call me Alex.
I have been in Commercial Financing for 5 years and with Smarter Equipment Finance the entire time and don’t see that ever changing.
I have lived in Las Vegas, NV since 2012 and prior to that have lived in Dallas, Tx, San Diego, CA and Salt Lake City, UT.
I have a Fiancé and a son on the way which means the whole world to me, family and friends are very important in my life.
I value transparency, integrity, and treating people as you would want to be treated.
In my free time I enjoy spending time with the family, traveling and enjoy live streaming video games.
Dan Graves
Funding Coordinator
I’ve been working in the finance industry for the past seven years, with a focus on commercial equipment.
During this time, I’ve gained experience with Titling, Insurance, Documentation, and Funding.
It’s been my privilege to help countless businesses finance the equipment they need to keep working and growing.
As a Funding Coordinator with Smarter Equipment Finance, I look forward to seeing what opportunities each day will bring.
Rita Richeson
Vice President of Operations
30+ years in the finance industry have allowed Rita to learn all facets of the industry from Application to Portfolio management.
Early in her career, Rita held a management role at one of the largest independently owned brokers in the country.
Her my department processed and funded hundreds of leases and loans for small business owners each month.
Rita'sexperience in Credit, Documentation, Funding, Insurance, Titling, Accounting & Portfolio management allowed her to start & run her own successful back-office company for over 10 years.
That company allowed brokers in the Leasing/Finance community to obtain the professional, knowledgeable back-office support they needed, without the overhead required in hiring an “employee.
Rita's current role as Vice President of Operations at Smarter Equipment Finance is an exciting one as they are incredibly customer-centric focused and are always looking forward to all things.
Seth Johnson
Funding Coordinator
I have been with Smarter Equipment Finance for almost five years.
I originally started out as a “Jack-of-all-trades”, workings as the Team Admin, IT, and any other tasks when needed.
I transitioned into a Funding Assistant role in year two and flourished in my new position.
In April of 2022, I accepted a Funding Coordinator position and am excited for all the new challenges set before me.
I am passionate about education and am pursuing my Associate in Business with plans to transfer to UNLV to pursue my Bachelor in Business Finance upon graduation.
When I am not working or at school, I spend a lot of time either playing video games competitively or exploring the culinary delights that Las Vegas has to offer with my wife.
Sharylen Hesterly-Coon
Funding Coordinator II
With five years of experience in the commercial equipment finance space, I’ve had the opportunity to build a strong foundation in Funding and Documentation.
I enjoy working with customers, vendors, and lending partners to help ensure every transaction is completed accurately and efficiently.
I’m proud to be a Funding Coordinator at Smarter Equipment Finance and look forward to continuing to support our customers and their success.
Michelle Johnson
Funding Assistant
I have been with Smarter Equipment Finance for more than four years, where I have developed expertise in documentation, titling, and funding operations. Throughout my tenure, I have served as a Documentation Specialist, Titling Specialist, and Funding Assistant, gaining a well-rounded understanding of the equipment financing process.
In my current role, I collaborate closely with our Account Managers, vendor partners, and insurance agents to help ensure an efficient and seamless funding experience for our clients. I take pride in supporting small businesses by delivering exceptional service and helping facilitate their growth. As Smarter Equipment Finance continues to grow, I look forward to contributing to our ongoing success and seeing the company continue to expand.
Outside of my professional life, I enjoy baking for my family and spending quality time with my loved ones.
Jennifer Graves
Funding Assistant
I have been with Smarter Equipment Finance for 2.5 years as a funding assistant. I started by developing my skills through communication with our dealers and sales team to help complete transactions for our customers. I have experience in titling and insurance and can assist our customers and vendors with various roles along their transaction. I transitioned into a contract and documentation role and try to ensure an as seamless contract process as possible for our customers, vendors and lending partners.
It is a privilege to work at Smarter Equipment Finance and I look forward to seeing our repeat customers come back for more equipment as well as new small businesses continuing to grow.
In my downtime, I enjoy spending time with my husband and our children either playing games, or spending time outdoors.
We're Adding Team Members
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