has been a professional public accountant for 28 years during which time he has been required to assist SMEs and individual business owners with all aspects of obtaining business and personal bank funding, including but not limited to: personal housing finance, personal and business motor vehicle finance, equipment finance, commercial premises construction finance, business development finance and business working capital.

was a founding shareholder and CFO of a major Western Australian vineyard and winery business which gave him first hand, direct understanding and experience of all the aspects of complex business ownership involving large scale agribusiness project development requiring long term debt funding in excess of $5 million and seasonal cashflow management.