Team Members


Matt Manero


As Founder and President of Commercial Fleet Financing, Inc. Matt creates, communicates and implements the company’s vision, mission and overall direction. He oversees all financial aspects of the company and provides leadership over opportunities for expansion, emerging industry trends, developing markets, and customer insights.

Matt’s business success has been recognized in coveted publications, including Inc. Magazine, Dallas Business Journal, Overdrive Magazine, Fleet Owner, Transport Topics, Commercial Carrier Journal, and Dealer Solutions Magazine.

Mr. Manero is a highly sought-after speaker within entrepreneurial and association communities and hosts a popular podcast called, You Need More Money. His first book, “The Grit,” was published in 2015 while his latest book, “You Need More Money,” was published by Penguin/Random House in 2018.

Fun Fact: Matt has been happily married to his beloved wife, Rokki, for 20 years. The couple have 3 amazing boys, John (18), Jack (16), and Julian (15) and reside in Dallas/Ft. Worth. He once rode a bicycle from San Francisco to Mexico along the Pacific Coast.



Sarah Burnett

Chief Operating Officer

Dogged determination and diligence fueled the rise of Sarah Burnett from receptionist in 2011 to Chief Operating Officer of Commercial Fleet Financing in January 2019. Ms. Burnett was promoted to full-time operations manager in 2012 and subsequently grew funding from $36M in 2013 to $104M with just a small support team.

As Chief Operations Officer, Sarah oversees the company’s business operations and reports to the President. She ensures CFF has effective operational financial procedures in place and manages the sales, marketing and operations departments.

Fun Fact: Dallas/Ft. Worth is home to Sarah and her growing family of cats.


Vanessa Andel

Vice President of Operations

For the past 7+ years, Vanessa Andel has been streamlining corporate operations with her management expertise as Operation Manager. Joining the CFF team in 2017, Ms. Andel is responsible for overseeing daily operations and ensuring the team is well resourced to provide a smooth customer experience.

Vanessa has an Associates Degree, Predictive Index Training and Six Sigma Yellow Belt Certification.

Fun Fact: She is the proud mother of an amazing 11 year old son, enjoys traveling, exercising, the outdoors and baking. She lives in Dallas/Ft. Worth.


Jim Munkittrick

Executive Vice President of Sales

Jim rose through the ranks of the finance industry over the past 18+ years landing the role of Vice President of Sales for CFF in 2018. Jim pulls from years of industry insight and experience to direct an ever-growing CFF sales department, driving sales of $150M+ annually.

Mr. Munkittrick sets the department’s strategic plans, manages his team, forges relationships with strategic corporate partners, supports clients, and continuously improves the sales lifecycle. As VP of Sales, Jim demonstrates a relentless spirit for developing new business through excellent client service for the company.

Fun Fact: Jim graduated from Texas Tech with a B.S. in Finance. He is the proud father of three beautiful children and resides in Dallas/Ft. Worth. Jim notably took 2 years of Spanish and French but can’t speak a word of either language.


Richard Sherrane


A veteran in finance department, Mr. Sherrane has delivered accounting excellence for decades. He has held responsibilities as Controller, VP and CFO for 26 years and provided auto loan financing for 3+ years. Bringing a wealth of knowledge, Richard has stewarded the finances of CFF since 2017.

Mr. Sherrane’s vision for the financial success of CFF is to maximize returns on financial assets by establishing financial policies, procedures, controls, and reporting systems.

Fun Fact: He earned an MBA from Nichols College and a B.S. in Finance degree from the NY Institute of Technology. Richard resides in the Dallas/Ft. Worth area and enjoys restoring classic automobiles.


Troy Lott 

Director of Marketing

Mr. Lott is an award-winning, seasoned Marketing and Advertising expert with over 22 years of experience in driving growth and bottom-line results. Having mastered a trifecta of skillsets – creative, analytics and project management – Troy has a long track-record of success for a broad range of small to mid-sized business clients.

Troy is pursuing his Masters in Data Analytics and holds certifications in Digital Marketing Analytics from MIT, Digital Marketing Strategy from SMU, and Digital Analytics from SMU. Mr. Lott has been spearheading the marketing department of CFF since 2019. Troy serves as Chairman of AAF Dallas Education Foundation and has served as President of AAF Dallas.

Fun Fact: Troy enjoys running and biking the trails of the greater Dallas/Ft. Worth area with his beautiful wife of 27 years. The couple have two grown children.



Tim’s Credit Application

Tim Bazor

Vice President

Tim has been a tow truck loan consultant with CFF for 18+ years.

Mr. Bazor attended college at Utah Valley University.

Fun Fact: Tim has been happily married for 16 years and has two girls. He enjoys trail running and has completed a 50m, two 50ks as well as numerous 37k and 25k runs. Tim also runs a non-profit organization called


Andray’s Credit Application

Andray Downs

Account Manager

Andray has 10+ years experience as an equipment financing expert, 7 of those years as National Sales Manager. He specializes in trucking and towing.

Mr. Downs has a B.A. in Managerial Studies, Political Science & Economics from Rice University – where he was also team captain of the football team in 2006.

Fun Fact: Andray is happily married and a proud father.


Kindra’s Credit Application

Kindra Bierly

Account Manager

Kindra has 7 Years of commercial lending experience.

Fun Fact: She is a proud U.S. Navy Veteran and mother of 4 amazing children. She is also an avid animal lover who coordinates rescue missions for lost pets & works closely with shelters to get stray pets off the streets and back home.


Nick’s Credit Application

Nick Dipaolo

National Sales Manager

Nick has 10 years experience in the finance industry, three of those years at Countrywide.

Nick has a dual bachelor of arts degree in English and Philosophy from UNT – “Go Mean Green!”

Fun Fact: He has been happily married for 10 years, has a library of around 1,000 books, loves dogs, traveling and movies.


Taylor’s Credit Application

Taylor Girdley

Account Manager

Taylor has 10 years experience in the construction industry and 6 in the finance industry. He’s been a long-time entrepreneur who draws on those experiences to assist customers in growing their businesses.

Fun Fact: Taylor is the proud father of 2 kids. He’s an avid outdoorsman, cyclist, and reader.


Sean’s Credit Application

Sean Loftice

Vice President

Sean has 15 years of experience in equipment financing and has risen through the ranks to the VP position.

Fun Fact: Sean is the proud father of a son and a daughter. He’s also a big college football fan.


James’ Credit Application

James Wilson

Account Manager

James has 20+ years experience in consulting and customer service.

James has a double major bachelor of arts degree in international business & marketing.

Fun Fact: He’s visited 25 countries and counting and loves learning about new places and cultures. James is also a huge sports fan and captain of Letourneau’s Soccer Team.


Patrick’s Credit Application

Patrick Robinson

Vice President

Patrick has 14+ years of customer service and 9 years of finance experience. He has won several awards in his rise to the VP position in CFF.

Fun Fact: Patrick is the proud father of 4 beautiful girls and loves the New Orleans Saints – “Go Saints!”


Jorge’s Credit Application

Jorge Camacho

Account Manager

Jorge has been a new and used commercial truck sales professional for over four years and has specialized in equipment financing. Trucking runs in Jorge’s blood with two generations of family thriving in the business.

Mr. Camacho attended Richland College where he earned a B.S. in Business Administration. He was born in Alaska before settling in Dallas. Jorge is bilingual, speaking Spanish fluently.

Fun Fact: He’s an avid soccer fan and enjoys traveling – having visited 12+ countries.


Ricardo’s Credit Application

Ricardo Dorantes

Account Manager

Ricardo has been a financial professional for two years.

He holds a bachelor of science degree in Marketing from Huston – Tillotson University and won a Steadfast Determination Award in 2019.

Fun Fact: Ricardo loves playing soccer with his sons.


Chaz’s Credit Application

Chaz W. Taylor

Account Manager

Chaz has 6+ years of experience in finance and sales – with a specialty in prime/subprime lending loans and leases.

Fun Fact: Chaz loves spending all his free time with his 5 yr old son, mountain biking, running and eating healthy. He’s also a great conversation starter and dependable.


Mike’s Credit Application

Mike Bonds

Account Executive

Mike has 9 years of sales experience. His biggest professional accomplishment is helping to launch Fresh Start Equipment Financing – sister company of CFF – into a successful business.

Fun Fact: Mike has been happily married for 3 years, has a newborn and a 13 year old. He’s the official taste-tester for his wife’s chocolate business, is a huge Minnesota Vikings fan and has a vast collection of sports memorabilia.


Jeff’s Credit Application

Jeff Williams

National Sales Manager

Jeff has 20+ years of experience in the financing industry and has been recognized as ‘Finance Manager of the Year’ twice.

Jeff has had leadership training, been to F & I School, and Jim Russel’s Driving School in Quebec, Canada.

Fun Fact: Jeff has been happily married for 13 years and has 3 kids. He loves golf, bbq, and crawfish boils.


Rafael’s Credit Application

Rafael Palacios

Account Executive

Rafael has 20+ years in sales and 8 years of experience in construction equipment. He has education in Marketing, Business Management and International Business Management.

Fun Fact: Rafael was born in Ecuador. He was a bodybuilder for 10 years and named his motorcycle Lupita.


Tom’s Credit Application

Tom Hofeldt

Account Executive

Tom has over 20 years experience in the financial services industry and is an experienced credit analyst. He is skilled in sales management, operations management, purchasing, and negotiations. Tom has a degree from the University of Montana.

Fun Fact: Tom enjoys living his life in Rowlett, TX and loves to smoke meats & fish.


Christian’s Credit Application

Christian Allen

Inside Sales Representative

Christian is an accomplished sales professional with 6 years experience driving sales and managing accounts. An out-of-the-box thinker, Christian exceeds customer expectations and has earned prestigious honors as a top sales performer, landing in the top 10%.

Fun Fact: Christian is a music writer and singer.



Julie Stephens

Commercial Loan Processor

Julie 10 + years of industry experience and 5 years of experience in managing corporate relations. She has received the ‘Dedication to the Cause’ Award at CFF.

Fun Fact: Julie is the mother of two beautiful girls and was born and raised in Dallas – “Go Cowboys!” She has a very big family, loves to eat and has never broken any bones.


Claudia Jimenez

Commercial Loan Processor

Claudia has 6 years experience in the financing field. She has received the ‘Draw a Line in the Sand Award in 2018 and ‘Employee of the Month’ Award in 2019.

Fun Fact: Claudia has been happily married for 10 years and is the proud mother of 2 beautiful girls, 2 dogs and a cat. She speaks a little French, plays the violin and is outdoorsy.


Rick Villasana

Commercial Loan Processor

Rick has 14 years of experience in the financial industry and has received the ‘Employee of the Month’ Award in 2019.

Fun Fact: Rick was born and raised in Austin, graduated from the University of Texas and loves his Longhorns. Rick loves traveling the world – learning and experiencing different cultures.


Elaina Cahill

Commercial Loan Processor

Elaina has 15+ years of experience as a commercial loan processor. She won the 2007 Clark County Chambers of Commerce Award and was top producer 2 years in a row at BAE.

Elaina has a BS in International Business from CFE.

Fun Fact: She has been married for 20 years and is raising the next American president and chocolatier. She’s both competitive and a team player. Elaina’s goal is to build a ranch with an apple orchard for retirement.


Elvia Lopez

Application Processor

Elvia, a.k.a. Elvie, brings 20 years of experience in title, escrow, and document processing to CFF. She was born and raised in Escondido, CA and is bilingual in Spanish.

Elvie has an Associates in Medical Specialties.

Fun Fact: Elvie has a beautiful, 26-year-old daughter. If you speak to Elvie, ask about her frog figurine collection.



Cynthia Castruita

Executive Assistant

Cynthia has 10+ years experience in operations and has an Associate of Arts Degree.

She’s been married for 14 years with a 13 year old daughter and 12 year old son.

Fun Fact: She claims to be “introverted, awkward & nerdy” and may have missed her calling to be a beatbox artist. When she’s not working, Cynthia enjoys cooking and watching movies.



Cathy McCauley

Accounting Specialist

Cathy has an extensive background in accounting, with 26 years in the field.

Originally from the Tampa Bay area, Cathy now resides in Dallas/Ft. Worth with her husband. She has a grown daughter and 2 grandsons. 

Fun Fact: Cathy ran hurdles for 4 years in middle/high school. She enjoys being outside, traveling, and DIY projects.



Z Khan

Lead Video Editor / Studio Manager

Z has 6+ years of experience in video production and editing.

Z has an associates degree in Arts from Brookhaven College.

He is co-owner of SokudoChasers (Virtual Automotive Photography) widely known in the Grand Theft Auto 5: Los Santos video game with over 100k+ of Mods downloaded of real-life cars.

Fun Fact: Z loves crafting unique gifts, such as art, LEDs, floral projects to bring warmth to peoples’ soul and fill their hearts because life is too short. Z’s dream car is the Nissan Skyline R34 GTR.


Ramsey Sanchez

Digital Lead Generation Specialist

Ramsey Sanchez has 5 years of digital marketing experience with a highlight of playing a lead role in creating a TV commercial ad campaign that aired for three months.

Ramsey has a B.A. in Business Administration – Concentration in Marketing from Southern Assemblies of God University (SAGU).

Ramsey is happily married for four years and has a beautiful baby girl.

Fun Fact: While playing college football, Ramsey grew his hair out past his shoulders because he liked the fashion statement it made with his football helmet on. He also loves chocolate cake.