For the past 35 plus years Ray has been a bank executive, Certified Public Accountant, and business owner. Ray thoroughly enjoys helping new businesses start-up and helping successful businesses grow to the next level. He has extensive experience in management, accounting, finance and systems operations.

About Us: J.Galt's mission is to help entrepreneurs obtain the capital and credit they need to fuel their dreams. Whether just starting a business or looking for millions in capital to expand, they have solutions that can help clients fund their endeavors.