As part of ELFA’s Innovation Experience, host Alexa Carnibella introduces a conversation between Deborah Reuben, CEO of TomorrowZone, and Moto Tohda, VP of Information Systems at Tokyo Century USA. Moto reflects on 17 years with one company and how asking better questions, building cross-team alignment, and championing hands-on learning became the foundation for continuous transformation. The discussion explores advancing technology, navigating the hype vs. reality of AI, and balancing curiosity with business needs. Moto also shares candid insights on ERP projects, strategies for overcoming resistance, and how to make change a true team effort. Tune in for practical ideas on leading with humility, curiosity, and a focus on human connection. Want to dive deeper into innovation in equipment finance? Join us at the Innovation Lab Conference & Exhibition, September 8–10 in Denver, CO. Learn more and register: https://www.elfaonline.org/events-new/event-detail/innovation-lab-conference---exhibition Subscribe to Equipment Finance Matters on Apple: https://podcasts.apple.com/us/podcast/equipment-finance-matters/id1500464877 or Spotify: https://open.spotify.com/show/43fGGQcByxbRTRKhbBfyJk?si=244H1nvDQ4Os5aw6PzmJug&nd=1&dlsi=22b930df245e44cd
As part of ELFA’s Innovation Experience – a year-round initiative to turn innovative thinking into action – this episode of Equipment Finance Matters features an insightful conversation between Deborah Reuben, CEO and founder of TomorrowZone and Mark Blais, Chief Information Officer at Channel Partners LLC. They dive into Mark’s fascinating cross-industry journey—from lasers and 3D imaging to financial services—and uncover how a diversity of experience fuels true innovation. Mark shares candid insights and practical patterns for leading innovation in equipment finance, emphasizing the critical roles of “dot collectors” and “dot connectors.” Discover why asking, “Is there another way?” can spark your team’s creative potential, and why true transformation isn’t just about new technology, but about connecting people and ideas. Mark also unpacks responsible AI adoption, how to balance experimentation and risk, and ways to embed innovation into company culture. You’re guaranteed to walk away inspired and ready to shape a more awesome future. For more information and to register for the Innovation Lab Conference & Exhibition, September 8-10 in Denver, CO – https://www.elfaonline.org/events-new/event-detail/innovation-lab-conference---exhibition Subscribe to Equipment Finance Matters on Apple: https://podcasts.apple.com/us/podcast/equipment-finance-matters/id1500464877 or Spotify: https://open.spotify.com/show/43fGGQcByxbRTRKhbBfyJk?si=244H1nvDQ4Os5aw6PzmJug&nd=1&dlsi=22b930df245e44cd
In this episode of Equipment Finance Matters, host Kelli Nienaber is joined by Deborah Reuben, CEO and founder of TomorrowZone, and Andrew Cotter, Executive Vice President and CIO at Somerset Capital Group. Together, they dive into the ELFA Innovation Experience, a dynamic new initiative blending the expertise of multiple committees to accelerate digital transformation across the industry. Kelli, Deb, and Andrew unpack the concept of trend scanning, discussing how identifying and understanding emerging signals, especially human readiness for AI, can help companies prepare for the changes ahead. They explore the intersection of technology and people, the evolving role of AI in equipment finance, and the need for collaboration across generations, roles, and companies. Get a preview of the upcoming Innovation Lab Conference & Exhibition in Denver and learn how you can get involved, from webinars to Innovation Awards.
Welcome to another episode of the Equipment Vertical Deep Dive series! Listen as Tom Walther, founder and president of Nationwide Equipment, takes us on an insider’s journey through the world of over-the-road trailers. Hosted by Kelli Nienaber, with co-host Will Tefft, this episode covers a range of topics, including trailer market fundamentals, asset remarketing challenges, the impact of tariffs, and supply chain disruptions following the COVID-19 pandemic. Tom shares revealing anecdotes from decades in the industry, gives practical advice on asset management and breaks down what makes trailers unique compared to other financed equipment. Discover why understanding your equipment is crucial, how specialized assets impact resale value, and what current market conditions mean for lenders and lessors.
Let's talk about Juneteenth! In this episode of Equipment Finance Matters, Alexa Carnibella welcomes Beverly Brinkley, Vice President and Senior Business Systems Administrator at First Commonwealth Bank. They unpack the significance of Juneteenth as a national holiday and its meaning for the industry and beyond. Beverly shares her journey into inclusion work and the impactful formation of the BEST (Black Employee Supporting Talent) Employee Resource Group. Hear Beverly's firsthand account of learning about Juneteenth, how celebrations have grown from intimate cookouts to citywide events, and why the day is both bittersweet and hopeful. The episode invites listeners to reflect on emancipation and the righteous pursuit of freedom, while highlighting how individuals and organizations can get involved to make inclusive progress. Subscribe to Equipment Finance Matters on Apple: https://podcasts.apple.com/us/podcast/equipment-finance-matters/id1500464877 or Spotify: https://open.spotify.com/show/43fGGQcByxbRTRKhbBfyJk?si=244H1nvDQ4Os5aw6PzmJug&nd=1&dlsi=22b930df245e44cd
As part of ELFA’s Innovation Experience – a year-round initiative to turn innovative thinking into action – this episode of Equipment Finance Matters features a powerful conversation between Deborah Reuben, CEO and founder of TomorrowZone and Jen Martin, Chief Product Officer at LTi Technology Solutions. Jen shares her unique leadership journey, shaped by her experience as a child of deaf adults, and how it fostered the communication, empathy, and curiosity that fuel her bold approach to innovation. Listeners will gain insights into how Jen embraces experimentation, reframes failure, and makes space for emerging talent in the industry. You'll also hear how she evolved from a tactical doer to a strategic leader—and why “innovation bacon” is more than just a catchy phrase. Packed with relatable stories and actionable ideas, this episode will inspire you to lead with both vision and vulnerability. This conversation kicks off ELFA’s special Innovation Series, spotlighting bold ideas and forward-thinking leaders driving meaningful change across equipment finance. Up next: Mark Blais, Chief Information Officer at Channel Partners LLC, explores how leaders can foster sustainable innovation in the finance industry, balancing experimentation with strategic business goals and ensuring security along the way. P.S. Don’t miss the Innovation Lab Conference and Exhibition, taking place September 8-10 in Denver! It’s your chance to explore what’s next in equipment finance and connect with forward-thinking leaders driving innovation across the industry. Subscribe to Equipment Finance Matters on Apple: https://podcasts.apple.com/us/podcast/equipment-finance-matters/id1500464877 or Spotify: https://open.spotify.com/show/43fGGQcByxbRTRKhbBfyJk?si=244H1nvDQ4Os5aw6PzmJug&nd=1&dlsi=22b930df245e44cd
Join Kelli Nienaber in conversation with Kroll Bond Rating Agency (KBRA) experts Van Hesser, Joanne DeSimone, and Mike Dodge, as they unpack the latest trends and challenges shaping the $1 trillion equipment finance industry. Hear expert perspectives on how KBRA evaluates credit ratings for independent, captive, and bank-owned platforms—plus, why diversification and experienced management are crucial for weathering economic shifts and volatility.
In this Vertical Series episode of Equipment Finance Matters, co-hosts Kelli Nienaber, Foundation Executive Director and Will Tefft, Asset Manager at EverBank Commercial Asset Finance sit down with Wade Whitenburg, Strategic Accounts Manager at Ritchie Brothers. They explore the expansive construction equipment market, valued over $90 billion. Learn about the unique challenges and opportunities in construction finance, including the importance of equipment classification, market stability post-COVID, and industry trends like emissions regulation. Wade shares invaluable advice for lenders, emphasizing the crucial role of understanding asset details and return provisions.
Welcome to the first episode of Equipment Finance Matters in 2025 – it’s bursting with optimism and excitement as Alexa welcomes ELFA Board Chair and Vice President and General Manager at Flex Financial, Stryker, James Cress. Hear about James’ journey through ELFA, from attending events like Capitol Connections to helping form initiatives like the Emerging Talent Advisory Council and the Women’s Council. James shares insights on the industry’s momentum and how new CEO Leigh Lytle's vision is pushing boundaries. Plus, you’ll enjoy fun, personal tidbits like the first piece of equipment James ever financed and his dream skill to master. For questions or comments: acarnibella@elfaonline.org To read James' interview in the January/February issue of the Equipment Leasing & Finance magazine, go to: https://www.elfaonline.org/news-and-publications/magazine/issue/article/jan-feb-2025/paying-it-forward Subscribe to Equipment Finance Matters on Apple: https://podcasts.apple.com/us/podcast/equipment-finance-matters/id1500464877 or Spotify: https://open.spotify.com/show/43fGGQcByxbRTRKhbBfyJk?si=244H1nvDQ4Os5aw6PzmJug&nd=1&dlsi=22b930df245e44cd
Kelli and Alexa, hosts of the two shows, announce the merge of the two podcasts and the move of the Equipment Leasing and Finance Podcast to Equipment Finance Matters. Subscribe to Equipment Finance Matters on Apple: https://podcasts.apple.com/us/podcast/equipment-finance-matters/id1500464877 or Spotify: https://open.spotify.com/show/43fGGQcByxbRTRKhbBfyJk?si=244H1nvDQ4Os5aw6PzmJug&nd=1&dlsi=22b930df245e44cd
Podcast co-hosts Kelli Nienaber and Will Tefft are joined by Shannon Stangl of DLL to discuss the current and future outlook for the office and workplace segment of the industry. Listen in to learn more about this space including emerging technologies and increased interest in sustainability trends and how equipment can be fit for the future.
In this episode of Equipment Finance Matters, hosts Alexa Carnibella and Matt Vazzana sit down with Jayma Sandquist, Senior Vice President and Chief Marketing Officer for John Deere Financial, as she shares invaluable insights on career development. Listeners will gain a deep understanding of the importance of goal setting, how to balance long term career aspirations with short term business objectives, and the critical role of feedback. Whether you’re a seasoned professional or just beginning your career, this episode offers a wealth of inspiration and actionable advice.
Bobby Sandlin, Senior Appraiser and leader of the Transportation Division at Irontrax, joins podcast co-hosts Kelli Nienaber and Will Tefft to discuss the current and future outlook for Over the Road Trucking through the lens of equipment leasing and finance. Listen in as they talk about topics from inventory and remarket valuation to emissions and alternative fuel.
In this episode, we delve into the essential qualities that drive success in emerging talent. Drawing from extensive experience in mentoring and leadership, Leigh Lytle, ELFA President and CEO, shares valuable insights on the importance of curiosity and openness to feedback. Discover how a relentless hunger for knowledge and self-improvement can propel your career forward and learn the transformative power of receiving candid feedback from trusted sources. Join us for an engaging conversation on nurturing self-driven growth and achieving greatness in your professional journey.
Diane Croessmann of The Alta Group joins host Kelli Nienaber for this episode of the Foundation Podcast. Listen in as they unpack the details of EaaS business models, including risk management. These EaaS offerings are in demand by customers and it’s important to understand how they are structured, what pitfalls to avoid and how traditional funders might find new opportunities.
In the fourth and final part of “Debunking Assumptions Through the Asian American Perspective”, our guests share inspirational stories of support, solidarity and growth. This special series is brought to you by the ELFA Equity Committee in celebration of Asian American, Native Hawaiian and Pacific Islander (AANHPI) Heritage Month. Featuring: Debbie Devassy-Babu, Moderator, Equity Committee Member, Shareholder at Darcy & Devassy https://www.linkedin.com/in/debbie-devassy-babu-377937/ Moto Tohda, Moderator, Equity Committee Member, VP of Information Systems at Tokyo Century USA https://www.linkedin.com/in/moto-tohda-emba-clfp-a520521/ Xiang Ji, Senior Manager, Commercial and Vendor Risk Management, Toyota Industries Commercial Finance https://www.linkedin.com/in/jixiang/ Kyin Lok, CEO, Dext Capital https://www.linkedin.com/in/kyin-lok-19a6504/ Kinna Pattani, Equity Committee Member, Associate Director, Alfa https://www.linkedin.com/in/kinnapattani/ Camtu Vo, Manager, Product Development - N.A., Food & Agriculture, DLL https://www.linkedin.com/in/camtu-vo-3143806b/ Resources mentioned in this episode: Advocacy organization: Asian Americans Advancing Justice https://www.advancingjustice-aajc.org/
In Part 3 of Voices United: Debunking Assumptions Through the Asian American Perspective, guests share their personal experiences facing adversity and talk about the impact of unconscious bias. This podcast is part of the ELFA Equity Committee’s celebration of Asian American, Native Hawaiian and Pacific Islander (AANHPI) Heritage Month, which recognizes the contributions and influence of Asian Americans, Native Hawaiians and Pacific Islander Americans to the history, culture, and achievements of the United States. Featuring: Debbie Devassy-Babu, Moderator, Equity Committee Member, Shareholder at Darcy & Devassy https://www.linkedin.com/in/debbie-devassy-babu-377937/ Moto Tohda, Moderator, Equity Committee Member, VP of Information Systems at Tokyo Century USA https://www.linkedin.com/in/moto-tohda-emba-clfp-a520521/ Xiang Ji, Senior Manager, Commercial and Vendor Risk Management, Toyota Industries Commercial Finance https://www.linkedin.com/in/jixiang/ Kyin Lok, CEO, Dext Capital https://www.linkedin.com/in/kyin-lok-19a6504/ Kinna Pattani, Equity Committee Member, Associate Director, Alfa https://www.linkedin.com/in/kinnapattani/ Camtu Vo, Manager, Product Development - N.A., Food & Agriculture, DLL https://www.linkedin.com/in/camtu-vo-3143806b/ Resources mentioned in this episode:Report: Asian Americans’ experiences with discrimination in their daily lives, Pew Research Center https://www.pewresearch.org/race-ethnicity/2023/11/30/asian-americans-experiences-with-discrimination-in-their-daily-lives/
In Part 2 of Voices United: Debunking Assumptions Through the Asian American Perspective, Xiang Ji, Kyin Lok, Camtu Vo and Kinna Pattani talk with moderators Debbie Devassy-Babu and Moto Tohda about what led them to work in equipment finance, and how their careers have progressed. This podcast is part of the ELFA Equity Committee’s celebration of Asian American, Native Hawaiian and Pacific Islander (AANHPI) Heritage Month, which recognizes the contributions and influence of Asian Americans, Native Hawaiians and Pacific Islander Americans to the history, culture, and achievements of the United States. Join us each Tuesday in May for a new episode. Featuring: Debbie Devassy-Babu, Moderator, Equity Committee Member, Shareholder at Darcy & Devassy https://www.linkedin.com/in/debbie-devassy-babu-377937/ Moto Tohda, Moderator, Equity Committee Member, VP of Information Systems at Tokyo Century USA https://www.linkedin.com/in/moto-tohda-emba-clfp-a520521/ Xiang Ji, Senior Manager, Commercial and Vendor Risk Management, Toyota Industries Commercial Finance https://www.linkedin.com/in/jixiang/ Kyin Lok, CEO, Dext Capital https://www.linkedin.com/in/kyin-lok-19a6504/ Kinna Pattani, Equity Committee Member, Associate Director, Alfa https://www.linkedin.com/in/kinnapattani/ Camtu Vo, Manager, Product Development - N.A., Food & Agriculture https://www.linkedin.com/in/camtu-vo-3143806b/ Resources mentioned in this episode: Foundation’s Career Center (https://www.elfaonline.org/people-power/career-center) Cisco’s Talent Bridge (https://www.cisco.com/site/us/en/partners/tools/talent-bridge/index.html#tabs-69d6a56dd3-item-fdd67b2fb8-tab)
May is Asian American, Native Hawaiian and Pacific Islander (AANHPI) Heritage Month, recognizing the contributions and influence of Asian Americans, Native Hawaiians and Pacific Islander Americans to the history, culture, and achievements of the United States. This four-part series is brought to you by the ELFA Equity Committee and moderated by Debbie Devassy-Babu, Shareholder at Darcy & Devassy, and Moto Tohda, VP of Information Systems at Tokyo Century USA. Part 1 of the AANHPI Heritage Month series introduces listeners to our four guests as they talk about their unique backgrounds and what brought them to the U.S. Join us each Tuesday in May for a new episode. Featuring: Xiang Ji, Senior Manager, Commercial and Vendor Risk Management, Toyota Industries Commercial Financehttps://www.linkedin.com/in/jixiang/ Kyin Lok, CEO, Dext Capital https://www.linkedin.com/in/kyin-lok-19a6504/ Kinna Pattani, Associate Director, Alfa https://www.linkedin.com/in/kinnapattani/ Camtu Vo, Manager, Product Development - N.A., Food & Agriculture, DLL https://www.linkedin.com/in/camtu-vo-3143806b/ Resources mentioned in this episode: Article: What does Asian American Pacific Islander Really Mean?: https://www.morningsidecenter.org/teachable-moment/lessons/what-does-asian-american-pacific-islander-really-mean Book: The Making of Asian America: A History by Erika Lee https://www.goodreads.com/book/show/23492717-the-making-of-asian-america Additional resources: The Library of Congress, National Archives and Records Administration, National Endowment for the Humanities, National Gallery of Art, National Park Service, Smithsonian Institution and United States Holocaust Memorial Museum join in paying tribute to the generations of Asian and Pacific Islanders who have enriched America's history and are instrumental in its future success. https://www.asianpacificheritage.gov/
Join host Matt Vazzana as he talks with Zack Marsh, Chair of the Equipment Leasing & Finance Foundation about the critical resources the Foundation provides and how they can help you stay on the cutting edge throughout your career. Whether it's the popular U.S. Economic Outlook, Monthly Confidence Index, or the Vertical Market Outlook Series, the Foundation provides the future-focused data specific to the equipment finance industry. Plus, there is no cost to access Foundation resources - ever. The Foundation is also charting new territory with its academic outreach programs - from its Campus to Career program designed to introduce students to the industry AND a new partnership with Arizona State University's W.P. Carey School of Business and a first-of-its-kind equipment finance course curriculum. If you're searching for future-focused resources that will enable you to make informed decisions - don't miss this episode! Resources/links: Equipment Leasing & Finance Foundation – https://www.leasefoundation.org/ Industry Resources- https://www.leasefoundation.org/industry-resources/home/ including the U.S. Economic Outlook, Monthly Confidence Index, Vertical Market Outlook Series Academic Outreach - https://www.leasefoundation.org/academic-programs/home/ including Campus to Career, Foundation Scholarship Program, ASU W.P. Carey School of Business partnership Kelli Nienaber, Foundation Executive Director – knienaber@leasefoundation.org ELFA Emerging Talent - https://www.elfaonline.org/industry-topics/emerging-talent Alexa Carnibella – acarnibella@elfaonline.org