Global Capital Service Group, Ltd Corporate Finance Services

Given the lasting and far-reaching effects of past recessions, we focused our attention on the changing landscape of liquidity and growth capital for middle market companies and have set up a free service of analyzing their capital needs within this changing environment. The needs of many middle market and other smaller enterprises - both private and publicly traded - are no longer being satisfied by traditional sources of bank and other lending. GCaps has assembled several participants in the financial services field to collaborate in bringing a joint focus on the financing and refinancing needs of business enterprises. We have expanded our services to include several specific areas of funding opportunity, by forging alliances with firms and organizations qualified to meet the needs of "down market" participants forced to operate within this volatile capital market landscape. These new affiliations are designed to be advisory, needs-focused, and value-added. We appreciate that, even if a growing small business concern has in place the management resources and experience to keep pace of these rapidly changing market dynamics, the strain of doing so, while handling day-to-day operations and refinancing or growth capital placements, is usually severe. For this purpose, GCaps has recruited Todd Smith, a principal of Royce Joseph Capital and Al DeCuir, a principal of DG Capital, to provide the initial screening, at no cost to our prospective clients. Todd and Al bring to GCaps over 60 years of combined business experience and more than $10 billion in financing transactions closed during their impressive careers. Todd Smith is adept at and focused on the latest programs available through the Small Business Administration that have been established to assist smaller companies during turbulent times. Al DeCuir has more of a generalist vantage point, as he has vast experience on "both sides of the desk," having performed numerous investment banking services as well as holding senior positions, including CFO, on the "buy side" of capital markets transactions. We stress that the real strength of GCaps in offering these services lies in the combined talent and knowledge of the capital market professionals these organizations bring to our client needs.

Al DeCuir is an experienced investment and merchant banker, whose expertise was shaped by his positions on both the issuer and financial intermediary sides of capital market transactions. Al has held senior positions at both commercial and investment banks, where he played a prominent role in financial engineering innovations (e.g., securitization of credit and asset-based finance) and has also spent many years as a private investor and business entrepreneur. He was credit-trained at the former National Westminster Bank in the U.S., which took him into areas of insurance, financial guarantees, and both venture and arbitrage funds. At Credit Suisse USA, Al was a key member of the small team that "very delicately" forged the foundation for the first true universal bank in the U.S. with its First Boston Corp. investment banking affiliate - twenty years before the repeal of the Glass Steagall Act. His direct area of responsibility was first in the New England market and then heading up CSNY's newly-formed Middle Market Group. Notable achievements in that posting included the initial capitalization of Xerox Credit Corp., the first ever match-funded intermediate term credit facility created for Avco Financial, and the initial facility for UPS for its entry into Germany. At Credit Suisse New York, Al also handled the first credit-enhanced financial guarantee bond facility in the U.S., as well as the first credit-enhanced Eurobond issue (Niagara Mohawk Power & Light). Al DeCuir went on to become Vice President and Treasurer at EF Hutton Credit Corp/Chrysler Capital, where he was among the small group of financial executives who increased that firm from $600 million to over $1.2 billion. At EF Hutton, Al managed the financial programs responsible for private placements, commercial paper, swaps, and relationships with 34 line banks. Al DeCuir headed the Private Placement group at JW Charles Capital Corp as VP-Managing Director and co-founder of that venture. There, his experience included expanding a credit facility for General Development Corp., an acquisition of an S&L by the Collier Family Trust, and an IPO for Tucker National Bank. Prior to JWCC, Al spent a short time as an internal consultant to Manufacturers Hanover Trust Company, where he helped develop an asset based swap program. Al spent fifteen years conducting his own investment banking and advisory service, prior to joining The Riderwood Group, a national securities firm, as SVP, and later Dolan Corporate Services LLC as a Partner. During that time, Al was involved in the purchase and finance of numerous media enterprises, refinancing a $10 million manufacturing company, financing the growth of an equipment leasing company to a $50 million level in revolving credit, and the purchase of a high performance boat company. Al was also a Senior Managing Director at a national M&A firm, and an independent contractor for the largest business brokerage firm in Florida. In the shipping sector, he negotiated and structured a “double-dip” international sale/leaseback in a $340 million management buyout of Royal Cruise Lines.

Todd Smith

Al DeCuir

Todd Smith is a principal of Royce Joseph Capital LLC, a private investment banking firm specializing in innovative funding of small businesses and their expansion. Specializing in SBA 504 loans, Todd brings a diverse offering of solutions to the problems faced by small and medium size businesses in a turbulent economic environment in which the challenges of financing working capital have been as acute as ever.Todd Smith works with businesses and organizations requiring assistance growing, expanding, and operating more effectively and efficiently. This is accomplished by working with companies to establish a strategic plan, recognize the specific skill sets necessary to complete it and assist in its implementation. Through his firm, Royce Jospeh Capital LLC, he helps companies secure the correct financing for a business's short-term and long-term sustainability.
His experience is extensive, having owned several businesses throughout his career and receiving recognition from his peers in all of those business endeavors. He has consulted with hundreds of companies, from small businesses to those with a national and international presence. In addition, he has also facilitated the financing of many companies for projects such as purchasing a business, stabilizing a problematic financial situation, working capital, and real estate purchases, to name a few. Having experience in both the management and finance side of businesses assists his clients when establishing a growth strategy or turning a troubled business around to avoid any unintended consequences that can occur when business plans are written and implemented.
Todd is a seasoned public speaker, providing keynote addresses and webinars for many associations and business organizations. He has created several business education seminars: "Goals are Great …Goals With a Plan Even Greater", "Creating Fans Not Just Clients," "Debt, Equity Grants … How to Intelligently Fund Your Business", and "Peeling Back the Curtain on SBA Lending Platforms". Todd's published books include: "I Pledge Allegiance," a novel depicting the plight of homeless veterans in the country. "Navigating the Lending Maze," a business owner's guide to obtaining a business loan. "First and Ten on the Twenty…Is it Football, Business or Life ?" is a book that evaluates 24 aspects of football's game and business and transposes them to be easily replicated in business or life.