Yanir Ram

Founded and manage a private investment platform focused on structured capital deployment in the merchant cash advance (MCA) and specialty finance markets. AFL invests alongside leading originators and funding partners, targeting short-duration, high-yield opportunities with an emphasis on disciplined underwriting, capital preservation, and consistent cash flow generation. Key focus areas: * Structuring and syndicating capital into MCA transactions * Partnering with established funders and originators * Active portfolio monitoring and risk management * Optimizing capital deployment velocity and returns Built with a long-term vision to scale into a diversified specialty finance platform.

As CFO/Co-Founder, I manage financials, operations, reporting, human resources, and legal functions for a property management firm with 400+ properties owned and/or managed. The holding company employs 40 professionals and contractors across AVR3 Holdings LLC, Doorsteps Now LLC, and Shale Construction. My contributions include; * Manage all financial and operational aspects of a 200-home rental portfolio in Southern California. * Lead the financing of 50 to 80 residential home flips per year in CA with values ranging from $250K to $500K. * Facilitate new construction projects for custom homes valued in excess of $1M. * Direct team members in executing maintenance, repair, human resources, legal, tenant relations, accounting, tax filings, audits, bank relationships, reporting, compliance, KPIs, and P&L. * Achieved and maintained a 98.5% collection rate with low turnover; promoted strong tenant relations during the COVID-19 pandemic, working with renters and owners to keep accounts in good standing. * Negotiated discounts with large vendors to facilitate a high volume of home flips and ongoing rentals.

In 2013, I guided and directed start-up functions for a fintech company serving the real estate industry. The company developed, marketed, and sold a SaaS solution to facilitate deals/transactions with private lenders.

In 2002, I built a real estate investment and property management firm from the ground up, overseeing capital investment decisions, operations, marketing activities, and financial accounting. I developed strong banking relationships to facilitate the buying, selling, and renting of single-family homes, completing dozens of sales each year while handling tenant relations for 65+ properties.

I was hired in 2000 to plan and manage the development of new products and product extensions prior to being promoted to Director of Business Development, reporting directly to the CEO. While at the company, I partnered with the Executive Team to define and execute a corporate repositioning strategy as well as product vision and market requirements.

In this role, I led product analysis, segmentation, positioning, marketing, competitive analysis, forecasting, and revenue projections. I also performed business development activities, including raising capital and evaluating partnerships.

I was initially hired as an Industrial Engineer to conduct cost and risk analysis and feasibility studies as well as capacity and staffing planning. I was rapidly promoted to Project Manager, overseeing resource management and project planning for client assignments focused on enhancing efficiencies, productivity, cost controls, and quality assurance. In 1998, I was promoted to lead the west coast team of industrial engineers and project managers, overseeing operations, strategic planning, marketing, and business development activities across a multi-state region. As a result of my work, the company realized millions of dollars in new revenue within the semiconductor and medical device sectors.