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Robert S. Goggin Linkedin
Chairman of the Board

Robert S. Goggin

Bob, a graduate of St. Joseph's University and Widener University School of Law, began his career as a prosecutor in the Philadelphia District Attorney's Office in 1989. Thrust directly into the courtroom, he honed his skills through years of trial work designed to protect the citizens of Philadelphia. Bob later put these skills to work after leaving the DA's office by representing various unions, including correctional officers, tradesmen, and laborers. This additional level of experience further enhanced his litigation, reconciliation, and management abilities.

After advocating for change at Vermillion (NASDAQ: VRML), he was elected to Vermillion's Board in March 2013. Time proved that his ideas were sound.

Yet as an entrepreneur himself, Bob always found the lack of innovation in small business financing frustrating. As a director of a NASDAQ-listed public company, he experienced firsthand the sharp contrast between small businesses and public companies in terms of access to the capital markets. Bob ultimately decided to bridge the gap and founded 48 Factoring Inc. in order to provide innovative financial products to small businesses.

George Bessenyei Linkedin

George Bessenyei

At 39 years old, entrepreneur and business leader George has more than 15 years of experience in corporate acquisitions, crisis management, and the start-up and management of high technology businesses. He was initially trained as a computer programmer, but later graduated with a degree in economics from Szent Istvan University in Budapest. George founded his first company while still studying. With expertise in growth planning and realization, international trade, leadership, and business operations, George provides his energy and vision to help entrepreneurs become successful.

He has founded and served as CEO for several technology firms, generating revenues of up to $50 million annually. He also holds a MBA from Oxford University and is a respected and published thought leader on technologies.

As a serial entrepreneur, George has also worked with traditional factoring companies for decades, which led him to recognize the ample room to improve factoring and broaden its availability. Several discussions with Bob Goggin led eventually to the formation of 48 Factoring Inc. in March 2014.

Michael McNulty Linkedin

Michael McNulty

McNulty is a repeat entrepreneur who has founded and shepherded numerous companies from their infancies into success stories. He most recently founded and served as Chairman and CEO of Movitas LLC, a mobile platform company acquired by Allin Interactive Corp in November 2013. Prior to that, Mr. McNulty co-founded Verticalnet, Inc. a technology firm that provided supply management software and created industry specific "vertical" marketplaces. In that role, he helped lead the company to one of the most successful IPOs in NASDAQ history as it quickly grew to nearly 2,000 employees. During his tenure at VerticalNet, Mike was honored as an Ernst and Young Entrepreneur of the Year for the Philadelphia Region. He was also named to the "Folio 40" as one of the publishing industry's most influential leaders and innovators.

Mr. McNulty received a B.S. from Saint Joseph's University in 1985, served on the school's Board of Trustees from 2000 through 2008, and is a member of the University's "Business Hall of Fame".

Todd Snyder Linkedin

Todd Snyder

Todd Snyder co-founded GSI Funds, LLC ("GSI"), the general partner that manages the GSI Absolute Return Fund, L.P. (the "Fund"), a fund of hedge funds that has invested in some of the leading hedge funds in the United States. Todd has co-managed the Fund since its inception in 2008 through the present. He was also previously affiliated with Winfield Capital Corp., a publicly-traded SBIC listed on NASDAQ that invested in mid-stage and early-stage private companies. While at Winfield Todd was responsible for generating investment opportunities across a variety of small and growing companies, and the price of Winfield common stock rose from approximately $1.50 to approximately $60 by the time of his departure.

Todd was also previously a trial lawyer for the Office of General Counsel of the Internal Revenue Service and practiced business and tax law for a leading law firm in Baltimore for many years. Todd has been an entrepreneur, an investor, and an advisor to a variety of businesses during his career. He received a Master's in Taxation degree from Emory University, a Juris Doctor degree from George Washington University with honors, and a Bachelor of Arts degree with summa cum laude honors from Tulane University.

Todd has extraordinary breadth and depth of experience with early stage private companies and investment funds, and he brings to the company keen insights and business acumen regarding development and growth strategies.

Sandria Sheehan Linkedin
Director of Operations

Sandria Sheehan

Sandria has a decade of managerial experience within the banking and finance industry, having gained extensive knowledge, experience and understanding in regard to underwriting, risk assessment and risk management within all aspects of retail banking. Throughout her career Sandria has focused on helping small businesses address their financial needs, and foster sound fiscal responsibility while operating in a strong growth mode. Her strength in building long term client relationships is based on trust, transparency and a genuine interest in her client's business plans and goals.

Sandria's role at 48 Factoring is to supervise the day to day business operations, ensure a smooth workflow and enhance efficiency with a particular focus on both the due-diligence process and daily interactions with new and existing clients.

Shannon Britton
HR Manager

In October 2014, Shannon joined 48 Factoring. A graduate of Wilmington College, Shannon began her career in human resources a decade ago. She has worked with both large and small business in the private and public sector, including Staples, Inc (NASDAQ: SPLS).

During her time at Staples, Shannon served as an HR Coordinator and HR Generalist for the North American Delivery division which covered the US and Canada. Shannon was responsible for on-boarding, benefits administration, recruiting, coaching and associate development, handling unemployment claims (she's never lost one either), policy writing, review, and implementation, served on several HR project teams, responsible for a building of 400+ people and worked with entry-level through director and VP level employees.

Throughout her career, Shannon has helped companies maintain compliance with all HR matters, avoiding any outside legal action. Shannon's expertise is in recruiting and operations. It is this expertise that ensures that we are attracting the best talent all over the United States and that we have effective processes and policies in place and that employees and contractors alike are well represented, making it easy for them to come to her with any issues that may arise.

Shanna Malachin Linkedin

Senior Funding Specialist

Shannon Britton

Shanna brings 20 years of experience in sales and customer service with 5 years of leadership experience. She is an expert in Business-to-Business relations and is committed to helping small and medium-sized businesses grow and accomplish their goals.

As the senior sales leader at 48 Factoring, Shanna is accountable for developing and increasing the sales department. She is responsible for managing, training and coaching the sales team. Her focus is on providing funding proposals to prospective clients who are looking for capital to maintain or increase their business. Shanna also administers the company’s renewals and ensures our current accounts receive the highest level of customer service. She works closely with the underwriting team during the financial analysis process. Ensuring the efficiency of the funding applications processed while helping expedite the approval process so that our clients can have access to capital in less than 48 hours.

Attila Ertekes Linkedin
Lead Software Engineer

Attila Ertekes

Attila started his career as an IT Solution Specialist in 1998 at Senorg Hungary, a company founded by George Bessenyei. He advised, facilitated and supported the deployment of IT solutions for a range of organisations from small businesses to the national government. Currently he is involved in cloud computing and Big Data systems specializing in the centralized management and utilisation of virtual servers.

At 48 Factoring he coordinates the IT integration of the frontend system, the company's proprietary CRM, risk management software and third party interfaces.

Attila is an avid supporter of the Linux operating system and open source solutions in general; using his skills and knowledge to advise several IT publications on related software and hardware topics.