Terry Luker | Senior Partner
Terry Luker is the founder and Senior Partner of Alternative Capital Funding Solutions. Terry is considered by many to be an expert in deal structure and creative financing options that are not obvious to most. His “can do” attitude and persistence is apparent to all with whom he associates.
With 25 years in the finance community, including 20 years in the automobile industry, Terry is familiar with the financing and/or refinancing of almost every aspect of different industries. Experience with real estate acquisition, facilities construction, inventory floor plans, and directing finance departments has prepared Terry for the diverse needs of commercial funding challenges we face every day.
He truly believes that all business owners should have the opportunity to pursue their dreams and have access to the capital needed to support their businesses. Trouble with access to capital, many times, is a lack of acceptable structure, presentation, and/or aggressive representation by a professional broker on the behalf of the client.
Terry’s philosophy is, “If a project is not a deal, look for a solution to make it happen.” These words are a mission statement for his sales team, as well as his credit team. He holds them accountable to that philosophy every day.
Terry was awarded the 2014 “Rookie of the Year” award by the National Alliance of Commercial Loan Brokers in its first year, and followed that up by being recognized as the 2016 “Commercial Loan Broker of the Year”.
Terry resides in Franklin, TN. For more information on why businesses need a commercial loan broker, check out Terry’s new book entitled, “Yes! How to Get the Funding You Need for Your Business.”
Yogi Dougher | Senior Partner
As Senior Vice President of Alternative Capital Solutions (ACS), Yogi works on deal strategy and structure then finds the debt and equity to close on medium to large real estate projects and business loans.
Dougher has more than 30 years of experience in the real estate and financial industry including analyzing and financing investments, advising and funding small businesses, and owning and operating businesses.
Most recently, he opened and operated the Nashville office for First Advantage Bank. He was also Business Banking Manager for the US Bank / First Union / Wachovia Bank lineage.
As managing partner of Angel Capital Group, Dougher facilitated the funding of promising small business startups through a nationwide network of angel investors.
His company, Global Motorsports Inc became the largest Independent Auto Dealership in the Southeast and one of the top four resellers of Mercedes, BMW and Audi in America. Dougher has successfully exited both companies.
Dougher was co-host of WTVF’s weekly Real Estate, Real Talk educational and call-in show and is an instructor and speaker for Real Estate Investors of Nashville. Dougher was instrumental in setting up the Music Row Neighborhood Association. He is known for donating his time to consult with a number of well-known Nashville businesses.
Ken Collins | Consultant, Senior Partner
With over 40 years of owning, financing, and managing business enterprises, Ken brings a diverse perspective to ACS that gives our company a true advantage with lenders. He has extensive experience in working directly with financial institutions as a credit analyst, problem solver and in new business development.
We pride ourselves in establishing relationships and gaining knowledge as to what our client’s business capital requirements are and how they operate. This allows us to answer most questions our lender might have as it relates to what and how the money will be used. Because of the business and finance experience Ken possesses, he has the ability to “get the picture” of not only how our client operates, but also the things we can do to assist with structuring the financial package to obtain the best possible results. His business acumen and personal skills help ACS get deals done.
David Kowalski | Chief Financial Officer
Dave Kowalski joins ACS as the Chief Financial Officer and is responsible for overseeing the accounting, finance and loan operations functions.
Dave has twenty-two years of experience in the financial services industry with the last thirteen spent in executive leadership roles at four community banks that range from $200 million to $1.2 billion in asset size. Dave’s most recent role in financial services was as Senior Vice President / Corporate Controller and Chief Accounting Officer at Avenue Bank in Nashville TN. Dave’s areas of expertise include financial reporting, internal control evaluation, risk management, financial forecasting and strategic planning. Dave has extensive experience working with state and federal banking regulators to resolve compliance and internal control issues and he played an integral role in taking two community banks through initial public offerings that generated over $40MM of equity capital.
Dave earned an MBA from the University of Akron and is a licensed CPA (inactive) in Ohio. Dave currently resides in Mount Juliet, TN with his wife Stephanie and their three children.
Jeff Luker | Vice President, Chief Operations Officer
Jeff joins the Alternative Capital Funding Solutions team after working within the Automotive Industry with the last seven years in Sales Management Leadership and as the Finance Director of a large automotive group.
Jeff is a 2006 graduate of the University of Alabama with a Bachelor’s degree in Business. During his time in the finance arena, he has worked diligently to build lender relations to foster a steady growth in his departments. His finance departments were consistently rated in the top two in the Houston Metro market both in income production and customer satisfaction. He is responsible for placing over $247,455,000 worth of consumer loans with lenders through his relationship network, and his teams were responsible for delivering over 12,000 new and pre-owned vehicles to customers.
His can do spirit and desire to continue his growth in both on the job experience and continuing education, are paramount to his outstanding performance and success.
He joins the ACS Team in the Franklin, TN corporate office as an Associate Partner and is tasked with continuing to develop our lender and investor relationships. He and his lovely wife Julie Parker Luker have two sons, Harrison and Hudson, and they reside in the greater Nashville area.
Terry Donovan | Business Development Manager
Terry joins ACS with 30 plus years in the Music Industry. He has a strong background in the roll out of multiple projects while leading others to meet and exceed sales goals. Through his work with Entertainment One and BMG, Terry has gathered the experience necessary to organize, plan, and execute expansion in various circumstances. He is committed to helping his clients find manageable and lucrative solutions for their financial goals.
Terry has a heart for small businesses and nonprofits throughout the Nashville community.
Terry lives in Franklin, TN with his wife, Leann and Haveneese, Pooka. He has a son, Ryan, and a daughter, Hannah. Outside business hours, Terry may be found enjoying yard work, watching televised sports or participating in charitable events around Franklin.
Micah Seadorf | Vice President, Senior Credit Officer
Micah comes to ACS with over ten years of banking experience as a Credit Analyst. She has an extensive background in underwriting commercial loans of all types and sizes ensuring cash flows and debt service requirements are with in standard guidelines. She has been involved in underwriting projects as small as $2500.00 and as large as $55 Million. Her expertise in gathering and analyzing data was paramount in the success and growth of her commercial credit departments. Her attention to detail and desire to assist in the growth of commercial business makes her a valued member of any team.
Micah was raised in Columbia, TN and has spent the majority of her life in Middle Tennessee. She graduated high school from Zion Christian Academy and earned her Bachelor’s degree from Middle Tennessee State University. She resides in Murfreesboro with her husband Adam and their two young daughters. Micah has a passion for children with special needs and works tirelessly to spread awareness of those children and families. She is involved in fund raising for organizations that serve those special needs children as well as support for their families.
Raising a family and community involvement keeps her very busy, but in her spare time she enjoys attending concerts, crafting, and spending time with family and friends.
Julie Luker | Credit Analyst
Julie Luker is the Administrative Director for Alternative Cash Solutions. She coordinates and directs security for all confidential information as well as assisting our team with scheduling and the expedition of all client transactions. She is directly responsible for all client files being properly secured and maintained in the Alternative Cash Solutions system.
Julie’s previous position was in the medical field working as a specialist for Oncology Services. Her duties were to coordinate outgoing charges for physicians as well as manage ongoing relationships with insurance companies.
Julie was raised in south Alabama. She is a 2007 graduate of the University of Alabama, with a Bachelor’s Degree in Journalism with a minor in Spanish. After graduation, she married her husband Jeff and together they moved to the Houston, TX area. They recently moved to the Nashville area, where she and her husband Jeff reside with their two young sons, Harrison and Hudson. Julie’s passion is football with a natural love for the Alabama Crimson Tide. She holds her own in any conversation relating to football and how the game is played. Julie and her family currently reside in Franklin, Tennessee.
Natalie Hart | Executive Assistant
Natalie joins the ACS team with a background in Real Estate Development and Human Resources. Being one of the few and proud Nashville natives, Natalie has watched and anticipated Nashville’s continued growth over the last 10 years. After graduating from Tennessee Tech in 2009, she knew her calling was to contribute to the success of this great city – starting her professional career working for major real estate development companies in operations, accounting, and administrative roles. Through her work on many new and large development projects, Natalie brings the knowledge and experience necessary to organize, and plan strategically to ensure successful development and financial transactions.
Natalie is an avid runner and has completed over 7 half marathons in the Nashville area. You can find Natalie spending her time on the lake with her husband, Paul and two dogs, Harley and Mason.
Chuck Hammett | BancAccess VP Business Development
Chuck is the Vice President of Business Development for BancAccess. Chuck brings to the BancAccess team 25 years of experience in working with Clients, to clearly assess their needs, bring viable solutions to the table, and develop strategic implementation plans in order to achieve the Client’s goals. In Chuck’s career he has worked with Banks and Lenders, Real Estate Companies and Builders, all on local and national levels. Chuck has conducted hundreds of group presentations, is a dynamic speaker and truly values serving the Entities he is working with.
Chuck has had extensive experience working with Banks and Credit Unions in the electronic banking space. This has involved the areas of ATM Programs and Hardware, Branding Solutions, Networks and Branch Transformation Solutions. Working with Financial Institution Executives is one of Chuck’s specialties; developing partnerships that are beneficial to the Clients for years to come.
Chuck also has a unique “skill set” in having a lengthy background in the game of golf. Having played collegiately, professionally and taught professionally (whether full or part-time) for 25 years, Chuck loves to teach and train business professionals “on and off the course”. You will definitely want to take advantage of all that Chuck, and the BancAccess team, make available to your Company.
Chuck lives in Franklin, Tennessee with his beautiful wife Bobbi. Their three children are Jonathan, Reagan and Olivia. Chuck is very active in ministry and runs a charity of his own called The Angel Foundation.
Laura Graves | Credit Analyst
Laura joins the ACS team with over three years of banking experience. She has also managed three title loan companies over 15 years with a customer base of around 200 with loan receivables of $ 220,000. As one of ACS’s Credit Analysts, Laura’s attention to detail and knowledge of the industry will help grow this company to the next level.
Laura was born in Michigan and now resides in Columbia TN with her husband David, two girls Audry, and Abby, and dog Buster. She enjoys spending time with her family, baking and crafting in her spare time.
Tammy Watts | BancAccess VP Sr. Credit Officer
Tammy Watts serves the BancAccess team as Vice President of Relationship Management and Senior Credit Analyst, which are vital roles in the success of the company. With over 17 years in banking, Tammy is very knowledgeable about loan products, documentation collection, underwriting all types of commercial loans and analyzing data. She has attended numerous TBA lending and underwriting classes, as well as UNA. She also brings a high level of organization and management that is crucial in “moving the ball down the field” for BancAccess.
Tammy resides in Columbia, TN and is the mother to three sons and a daughter. Her hobbies include photography, spending time with her children and going to the river or beach for relaxation.
Tracy Bailey | Credit Analyst
Tracy comes to ACS with 13 years in the banking Industry. She also has 4 years in the data entry field. She has very strong customer service skills and works to meet and exceed the customer’s needs. Tracy is very focused on the work at hand and what it takes to make the process as smooth as possible.
Tracy lives in Williamsport, TN with her husband, Tony and their dog Yoda. She has 4 wonderful children ranging from 24 to 16 years of age. Tracy loves spending time with family and friends outside of work. She enjoys going to the river and being in the outdoors.
Melissa Sharpe | Controller
Melissa was raised in Southern Illinois and graduated with Bachelor’s degree in Accounting from Murray State University. She has always been an avid supporter of small businesses, having grown up in a family who has owned and operated their own company for the past 20 years and is excited to join a company with a heart for helping other businesses thrive.
She started her career in public accounting, auditing clients with an emphasis in healthcare, government, and not-for-profit entities. After observing numerous organizations across various industries, it became easy to identify best practices and accounting controls.
Upon relocating to Nashville Melissa was able to put in effect these best practices while managing the accounting and finance functions for a real estate developer. Her audit background enabled her to help automate accounting processes and generated efficiencies that resulted in the elimination of two full-time positions.
Outside of work, Melissa enjoys spending time with her golden retriever Sophie, exploring Nashville with friends, and volunteering as an active member of the Junior League.