“Our greatest hope is that our clients outgrow us. It may take 6 months, it may take 5 years, but we want our clients to graduate into new arenas and challenges. We’re always there for the next hurdle, but we’re so proud when a business doesn’t need us anymore.”
- Jill Carmel, Vice President & General Counsel
Who We Are
From the very first loan made by J&D almost 50 years ago, we have been focused on one goal: partnering with clients we believe in, in industries we understand, to keep their businesses moving forward. Whether through factoring, purchase order financing, or business loans, we’ve helped hundreds of businesses with their cash flow demands over the years, providing the support they need to flourish.
In 1971, Jack and Diana Carmel opened the doors of J&D Financial in Miami, Florida. Having recently sold a highly successful manufacturing company, Jack parlayed his business acumen into helping other entrepreneurs reach their dreams through factoring, purchase order financing and cash flow solutions. For almost 50 years, Jack & Diana along with Jack’s other children and their son David, dispensed advice and encouragement to fledgling businesses nationwide, carefully choosing to support the entrepreneurs they believed had something special.
PHOTO CREDIT: BRIAN KRAMER PHOTOGRAPHY
After 15 years working at J&D, Jack and Diane’s son, David, took over the company in 2019. Keeping it all in the family, David’s wife Jill joined the team. As the “new” J&D, the couple remains committed to building the company while staying true to the heritage, values and traditions that helped to make J&D a trusted investor in new businesses. With offices on both coasts, J&D aims to provide an even more personalized service and flexible lending platform to businesses across the country and furthering J&D’s original mission of providing financing to deserving entrepreneurs with the goal of helping them grow their business onto a new level.
Our Team
David Carmel
PRESIDENT
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Jill Carmel
VICE PRESIDENT & GENERAL COUNSEL
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Joan Linxwiler
BUSINESS DEVELOPMENT OFFICER
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Ray Quintana
SENIOR ACCOUNT MANAGER
Ronen Rabinowich
CONTROLLER