For me, the 3 most important factors in choosing a bank or broker are trust, honesty and efficiency - Paul aced all 3. Paul was always pleasant and highly professional. He has vast knowledge about the inner workings of banks and businesses because of his deep experience. He is also diligent and very particular as he follows up every detail. He is a shrewd negotiator and persists until the job is done. Paul did all the the leg work and presented the best option for us. He also continually improved the negotiations until we had reached the optimum outcome. I would highly recommend Paul because he is kind, knows the pressures people face in their daily business, and he supports you. Real talk, face-to-face, phone, email - he communicates frequently and is adaptable your preferred mode any time of the day, any day of the week. Prompt, to the point and always the consummate professional. That’s Paul for you. Thank you Paul, I appreciate all you have done for our business. I really could not have done it without your tireless work.