TCE Capital has been providing flexible funding for Canadian companies in transition since 1992.

We are Canadian owned and managed. Founded by entrepreneurs, we are direct funders; it is our own money that we are investing in you and your business.

TCE Capital funds more than $400 million in transactions each year.

Our Head Office is located in Toronto but we provide financing to companies across Canada.

We are proud of our history as a boutique asset based lender. We are always creative and practical in our approach to getting the job done.

Our focus is on transactions between $250,000 and $4 million.

Our Team

ROD_1055Richard (Rick) E. Coles, MBA, LLB
Vice President & General Counsel
Direct Dial: 416-496-7060
Toll free: 800-465-0400
Email: rcoles@tcecapital.com

Rick has been actively engaged in TCE Capital’s business and affairs for over 20 years; first as part of his Bay Street law practice and since 2012 as a full time business executive and in-house general counsel.

In his commercial law practice, Rick advised clients ranging from small to medium sized businesses and their owners to national enterprises. Rick also had an earlier career in banking and equipment financing.

Rick is a member of the Law Society of Upper Canada and the Canadian Bar Association. As well as being TCE Capital’s resident lawyer, Rick is also TCE Capital’s resident singer with his active involvement with Newchoir, Toronto’s rock pop choir.


ROD_1017Tammy L. Kemp
Vice President
Direct Dial: 416-496-7063
Cell: 416-707-4202
Cell: 403-990-1762
Toll free: 800-465-0400
Email: tkemp@tcecapital.com


Tammy’s primary role with TCE Capital is credit operations and is focused on growing TCE Capital’s portfolio by providing client focused financing solutions.

Tammy has over 20 years of experience in providing alternative financing solutions to small and medium sized businesses throughout North America.

Prior to re-joining TCE Capital in 2012, Tammy held senior positions with other asset based lenders in Toronto and Calgary.

Tammy is currently an Officer and Board Member of the Canadian Chapter of the Commercial Finance Association. Tammy is also an active member of the International Women’s Insolvency and Restructuring Confederation (IWIRC) and has held Director positions on IWIRC Western and Ontario Chapter Boards.


ROD_0945Ian Croskell, CPA, CGA, FICB
Vice President Finance and Administration
Direct Dial: 416-496-7080
Toll free: 800-465-0400
Email: icroskell@tcecapital.com


Ian is Vice President Finance and Administration at TCE Capital Corporation, a position he has held since November, 2000.

Over his more than 50 years working in the financial services industry, Ian has developed an in-depth knowledge of the small mid-market commercial lending environment.

Prior to joining TCE Capital, Ian was the Senior Vice President for the successful Ontario operations of a European based international financial institution.

Clients of TCE Capital appreciate Ian’s broad experience as it relates to financing options and his practical approach to financing opportunities.


ROD_0984Steve Buckley, BA (Hon)
Business Development
Direct Dial: 416-496-7064
Toll Free: 800-465-0400
Email: sbuckley@tcecapital.com


Steve joined TCE Capital in April, 2006. Prior to that, he was a Director at a Chartered Bank where he was involved in a variety of outsourcing and business development initiatives including new product launches. After graduating from university, Steve began his career and honed his business skills at the world’s largest marketing research company. He left as a Vice President in 1995 to enter the financial services arena.


Brian Conrad
Regional Manager (Atlantic)
Tel: 902-463-9305
Cell: 902-225-5855
Email: bconrad@tcecapital.com


Brian has been with TCE Capital since 2005. He brings to TCE Capital over 40 years of commercial banking and business development experience. Brian has provided financing solutions to a wide variety of companies from oil servicing, high tech to hospitality and manufacturing. A Halifax native, Brian is TCE Capital’s regional contact for all of the Atlantic Region.


ROD_0972Karl Rohrmoser
Business Development Manager
Direct Dial: 416-496-7085
Cell: 416-606-4613
Toll Free: 800-465-0400
Email: krohrmoser@tcecapital.com


Karl has been with TCE Capital for over 20 years focusing on business development. Karl works primarily with financial intermediaries to provide financing solutions to their clients in a wide variety of companies across Canada.

Prior to joining TCE Capital, Karl spent 20 years in senior domestic and international positions in Canadian banks. At TCE Capital, Karl is focused on providing entrepreneurial solutions for businesses in Canada as well as providing solid options for Canadian companies whose clients span the globe.


ROD_1006Joe A. Ozog
Manager, Business Development
Cell: 647-225-8532
Toll free: 800-465-0400
Email: jozog@tcecapital.com


Joe has been with TCE Capital since 2009, leveraging his extensive lending background in Commercial Markets. Joe is focused on growing TCE Capital’s portfolio in his business development role.

He previously held senior positions in both Commercial and Asset Based Lending with a major Canadian Chartered Bank for over 35 years.

In his spare time, Joe continues to provide volunteer services to various charitable organizations and enjoys golfing and travel.


ROD_1070Dave Kennedy, MBA
Director of Risk
Direct Dial: 416.640-2660
Toll Free: 800-465-0400
Email: dkennedy@tcecapital.com
David is the Director of Risk at TCE Capital, and has been with TCE Capital since 2006.
David is directly involved in reviewing, structuring and managing deals for client over a wide broad range of industries.  David has also developed  expertise in financing specialized SR&ED Claims for clients.  David has over 25 years of experience in financial services lending to small and medium sized businesses.


ROD_1076Robyn White, CPA, CGA, CIRP
Senior Manager, Credit
Direct Dial: 416-642-1906
Cell: 647-225-8635
Toll free: 800-465-0400
Email: rwhite@tcecapital.com


Robyn White is a Senior Manager, Credit with TCE Capital. Robyn’s primary role is helping businesses find fast and appropriate funding solutions for their cash flow challenges. Previously she was a Vice President with a Trustee in Bankruptcy specializing in corporate restructuring and viability assessments for small and mid-market corporations. Robyn has close to 25 years of experience providing consulting, restructuring and management services to companies in a wide range of industries. She has experience with both lenders and corporations providing advice regarding loan advisory services, viability, liquidity, cash management, asset disposition and capitalization.


With a niche market, a rapidly growing demand for our service, tight cash flow, and internal growing pains we came extremely close to being forced out of business while being highly profitable. Our bank was keen to give us an umbrella when it was sunny but was quick to take it away when it rained, “TCE Capital gave us an umbrella when we needed it, in a rain storm!!!.” It took eight months to weather that storm, now the sun is shining again. With TCE Capital’s help we gained the time needed to evolve and mature, they offered the perfect solution when it was most needed.
– President, Maintenance Services

TCE Capital gave me a much larger margin on my business assets than I could hope for at a bank, which helped me continue to grow my business
– CEO, Security Guard Services Company

The company undertook an ambitious growth plan that resulted in creating cash flow issues and ultimately caused the situation that the company could not meet all the short term cash commitments. The investors with management undertook a process to restructure and return the company to profitability. Key in this initiative was finding a partner who could move quickly to:
• Take out existing financial institution.
• Supply highly leveraged working capital (More than available through a banking relationship) to take out existing financial institution.
• Be flexible and able to adapt to changing requirements during the course of the relationship
In summary, a partner was needed who could structure an arrangement that addressed current challenges, highly leverage and still be able to be flexible enough to address new requirements as the relationship progressed and requirements changed. A lot to ask for – obviously a bank was not going to work.
After several false starts with other companies, I was introduced to TCE Capital and never looked back. The negotiations were always focused on “keeping things simple”. Everything was flexible to find a solution that would work for all parties. TCE Capital moved very quickly though due diligence, legals and buying out our bank.
There were never any “committees” to get back to for approvals. TCE Capital’s management was always available to address any changes in credit requirements. During the relationship if there were any new requirements to be addressed – with TCE Capital there was never any problems – only solutions. During the relationship, the line requirements doubled. The restructuring and turnaround was very successful. TCE Capital’s professionalism, understanding of the business, industry and clients were instrumental in this successful restructuring and turn around.
In a situation like this you want a partner. We found one in TCE Capital.
– CFO, Software Developer

We have had the good fortune to be dealing with TCE Capital for over 5 years now. There is always something comforting about a company that will be there and stand behind you when a little extra funding is needed. From management to clericals, everyone is helpful and professional.
– President, Apparel Distributor

Our company originates business financing for Canadian corporations, both large and small. We have successfully worked with TCE Capital for a number of years on numerous transactions. Their commitment to closing transactions successfully for all and going the extra mile in a professional and expeditious manner is a ‘ value add ‘ for our firm.
– President, Financial Intermediary

As a young company experiencing explosive growth, working with TCE Capital has allowed us to manage our expanding business, meet product demand, continue building our ever growing customer base and further solidify customer loyalty.
The professionalism and sound business approach of the TCE executive team made the entire set up process rapid and seamless. TCE Capital’s attention to detail combined with their superior customer service and procedures enable us to focus on managing our business.
– Treasurer, Distributor

The TCE Capital website is certainly impressive and the way you promote your business services on the internet is very helpful.
– CEO, Marine Equipment Manufacturer

Just to provide a thank you to TCE Capital and your staff for again providing a financial solution to a client. You are the ‘go to’ lender when solutions and speed are required.

Over the years, I have introduced companies with short term cash flow challenges to TCE Capital. With no exceptions, your pragmatism and excellent staff have assessed the situation, called a meeting, discussed the options and proposed a solution virtually instantaneously to the client.
As the saying goes; when the bank says no you are there; problems solved and funding provided.  A big Thank You to all of you.
– Principal, Financial Intermediary

TCE Capital was there when I needed them. The team was flexible and worked with my company to help us grow.
– President, Temporary Placement Agency

I would like to take the time and thank you for servicing our clients. TCE Capital’s quick response to our consumers’ funding needs is very welcome. Your company has always worked very closely with our customers to identify their capital requirements, and then adequately funds them to insure their future success. TCE Capital is a great financial partner, keep up the good work.
Thank you again for your fast, prompt and efficient service to our clients.
– Principal, Financial Intermediary

Our experience in working with TCE Capital has been very positive. The team at TCE Capital are highly professional, experienced executives who bring a great deal of knowledge regarding their respective fields of expertise. TCE Capital has been extremely open to understanding our financing requirements and providing solutions to meet our needs.
– Managing Partner, Software Development



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