Dean L. Houlzet

Dean L. Houlzet runs Liquid Capital Finance, located in Miami Florida, where he works with small, medium, and emerging middle-market businesses to help them acquire the working capital they need to succeed.

Dean has a Bachelor’s of Science, an MBA in International Business with a focus on Finance, extensive commercial lending training and more than 12 years of experience in the banking industry. Dean began his career as a relationship banker, but later moved into management and business banking, working with well-known institutions such as Regions Bank, JP Morgan Chase and TD Bank. Most recently he worked with Factor Brokers Inc, where he gained extensive experience in alternative financing solutions.

Driven, loyal, and a natural problem-solver, Dean‘s biggest professional satisfaction comes from helping business owners attain their dreams. Dean works in close partnership with clients to help them uncover options for their business and provide expert advice. He is always happy to roll up his sleeves and work side by side with a business owner to help them achieve financial stability and independence.

A resident of Southern Florida for almost 20 years, Dean enjoys cycling, paddle boarding and any activity that takes advantage of the beautiful Florida weather.

Mark Coyle

Mark Coyle is the President of Bay Area Liquid Capital, located in Saint Petersburg, Florida, which offers alternative commercial funding for small and medium-sized businesses in the Bay Area. Mark received a BS in General Business from Missouri State University. With over 15 years’ experience in sales and 8 years in consumer packaged goods, Mark understands the challenges faced by business owners. In addition, he sees the Tampa Bay area business network as a significant strength and benefit for his clients. Mark has more than 10 years of experience in business-to-business sales, and prior to opening his Liquid Capital franchise, was the Territory Sales Manager with Altria. By opening Bay Area Liquid Capital, Mark was fulfilling a lifelong dream of owning his own business. He takes a client centered approach to business, always striving to work with his partners and clients face-to-face and viewing them as equally important. Mark is always driven to be a positive supportive member of his community; his ultimate goal is to grow his business to the point that he is able to hire veterans recently leaving MacDill, and help them transition back to civilian life. An active part of his local business community, Mark is a member of the Association for Corporate Growth, the Commercial Finance Association, Business Networkers International and the Greater Tampa Chamber of Commerce.  He believes that his connections to these great financial professional networks and local entrepreneurs are vital to his business as “we’re in it together and understand each other’s challenges.” Mark is an intrepid outdoorsman, who enjoys hunting, fishing, and cycling.  When not working or enjoying the beautiful scenery of Florida, Mark is active participant in local charitable endeavors; he recently participated in fundraisers for the Muscular Dystrophy Association and Southeastern Guide Dogs.

Larry Schaad

Larry Schaad is the owner of LFS Capital, Inc. in South Florida, which franchise specializes in providing small to medium sized clients with an array of accounts receivable financing solutions and receivable management services, including credit checks, collections and administration.

Larry is an extremely experienced finance professional having over 20 years in commercial banking and over 10 years in corporate treasury. He decided to leave the corporate finance world in early 2013 and become a small business owner by acquiring LFS Capital, Inc. Liquid Capital is an established international network of finance professionals with over 80 offices throughout North America.

Prior to purchasing LFS Capital, Inc., Larry was Divisional Treasurer at LNR Partners LLC on Miami Beach and Corporate Treasurer with Danka Business Systems plc in St. Petersburg, FL.  Larry’s banking experience began in the early 1980’s with Continental Illinois National Bank and Trust Company and went on to include Bank of America and Raymond James Bank.

While currently residing in Miami, Larry’s work has allowed him to live in Saint Petersburg, FL, London, England, Atlanta, GA, Chicago, IL, and Dallas and Houston, TX. Larry holds a Bachelor of Science Degree in Business Administration from the University of Florida.


Francisco Annicchiarico

Francisco Annicchiarico is the President of Liquid Capital of Florida, located in Miami, where he works with small and medium-sized businesses to create alternative financing solutions.

Francisco obtained a Bachelor’s of Science from Boston College in Accounting. He has more than 30 years of experience in the financial industry, including having worked as an auditor at Arthur Andersen, International Management Auditor at British American Tobacco, the Financial Director at International Manufacturers, and the Client Financial Management Controller at Accenture. Since founding Liquid Capital of Florida in 2007, Francisco has used his wealth of experience to help support his local business community by providing tailored, innovative financing options to business owners in need.

Efficient and service oriented, Francisco put high value on client relationships, offering the sort of personalized services so often lacking in banks and large financial institutions. When a client of his found themselves losing sales due to lack of working capital, Francisco was able to create a customized financing solution that allowed his client to get the money they needed to fuel their growth. With his help, they were able to increase their monthly sales from $40,000 to $300,000.

An active member of his local business community, Francisco contributes to the local area Chamber of Commerce, and when not in the office, Francisco spends his time golfing, reading and enjoying the beautiful scenery on coastal Florida.