Over a decade in commercial lending and management consulting with two masters degrees in entrepreneurial leadership and five top certifications in operational effectiveness, credit risk analysis, and global business development.  Co-author of a nationally-distributed business planning workbook and have instructed courses on the topic across the country.  Previously started and grown five entrepreneurial ventures in the fields of entertainment production, consulting services, software development, and internet marketing and distribution. Top business planning expert, author, and trainer with two masters degrees and five top certifications