While independent, Sun was among Inc. 500's fastest growing private companies four times between 1986-1990, and was merged into GATX Capital Corporation (“GATX”) in 1995, a $6 billion financial services company with an emphasis in equipment leasing and financing.

A past recipient of the Florida Entrepreneur of the Year award and the founding chairman of the Florida Chapter of the Council of Growing Companies, Clay serves on the board of directors of Florida Banks, Inc., a publicly-traded commercial bank; Petrocom, a Houston-based telecommunications company, the Council of Growing Companies; and various charitable and community non-profit organizations.

Clay received his BS in Business Administration from Rollins College.

Joseph C. Lane is Vice Chairman of Bay⁴ Capital, LLC, and Chairman & Chief Executive Officer of Hyphos360, Inc.

As part of the leasing, investment banking and asset financing industries for 25 years, Joe served as a Director, Vice Chairman and ultimately as Chairman of the Equipment Leasing Association. He was President and Chief Executive Officer of GATX Capital Corporation when Sun Financial Group, Inc. became part of the GATX enterprise. More recently, Joe was President of IBM Credit Corporation, Group Executive -IBM Global Financing, and Senior Vice President of IBM. As head of the world's largest information technology financing business, he was responsible for a $40 billion operation, in over 40 countries around the globe. He was a member of IBM's Operations Committee, Worldwide Management Council and Senior Management Group. With experience in aircraft, railcar, locomotive, utilities, real estate and technology financing, Joe has been involved with large, medium and small ticket transactions. As an investment banker with a regional firm in Texas, he completed transactions in oil and gas exploration, offshore supply, and oilfield services. Joe has had direct involvement with capital markets worldwide, and has served on boards of directors and advisory boards in Europe, Asia and North America. He was the Chairman of Centron, DPL, a provider of technology solutions and hardware. Joe currently serves on the Board of Directors of Oxford Finance Corporation, a specialized financial services company that provides secured financing for emerging growth life sciences companies. He is on the Board of Link Institute, a not-for-profit organization promoting core virtues and core curriculum for K-12 education, and he is a member of the Advisory Board for the Carl Schmitt Foundation.

Joe is an Associate Fellow of Davenport College at Yale University, where he earned his BA in American History.

Ray Gonzalez is the Chief Operating Officer of Bay⁴ Capital, LLC.  Ray has more than seventeen years experience in all facets of operations and financial management.

From 1997 to the summer of 2001, Ray was the CEO, President and CFO of OccuLogix Corporation, a development stage medical device company that is pioneering a new treatment for Age-related Macular Degeneration.  Ray joined OccuLogix in 1997 as the Vice-President of Operations and was promoted to the CEO/President/CFO position in 1999.  In this role, Ray restructured the company, raised a round of capital and operated an FDA clinical trial to achieve data for product approval.  Ray was directly responsible for strategic planning, financial planning, budgeting, financial reporting and operations.

From 1996 to 1997, as Acting-CFO for Bobby Grace Golf Design, Ray negotiated and closed a sale of the company to Cobra Golf, a subsidiary of American Brands.  In these eight months, Ray developed a strategic marketing plan for the brand, worked with KPMG to complete an audit of the company’s financial reports, renegotiated key vendor agreements and negotiated the purchase of the company.

From 1992 to 1996, Ray held various executive management positions with GSP, a printing and fulfillment company for over 10,000 convenience stores across the country.  Ray joined GSP as the General Manager in 1992 when the company generated $2 million in sales with 30 employees.  Ray was promoted to President and CFO in 1995.  During his leadership, GSP grew to $11.5 million in revenue produced by 180 employees in an around the clock manufacturing and distribution environment.  The growth of the company was internally financed.  Ray was responsible for all business activities of the company.

Ray began his professional career in 1984 with Arthur Andersen & Co.  During his years with Arthur Andersen & Co and Andersen Consulting (now Accenture), Ray specialized in re-engineering business processes to improve financial performance.  His most significant clients included Tropicana Products, Florida Power Corporation, General Mills Restaurants (Red Lobster), IBM, Johnson & Johnson (Vistakon and Critikon) and The Walt Disney Company.

Ray received his BS in Mechanical Engineering from the University of Notre Dame and his MBA from the University of Florida.

Dennis W. Odden is a Managing Director, of Bay⁴ Capital, LLC (“Bay⁴”). Dennis has sixteen years of experience in the financial services industry including serving as President of Convergent Capital Corporation while simultaneously serving as Vice President of Convergent Communications Services, Inc., an affiliate, from June 2000 to April 2001.  Before being promoted to President of the leasing company, Dennis served as Senior Vice President of Business Development from September 1998 to June 2000.     

From 1985 to August 1998, Dennis held various positions including Senior Equipment/Asset Manager for Sun Financial Group, Inc.  At Sun, Dennis was responsible for the management of a half-billion dollar technology portfolio, equipment sales staff, Buy/Sell administration, client Asset Management programs and Technical Center operations.

Dennis received his BA in Information Systems from the University of South Florida.

Brian A. Whitmire, is a Managing Director for Bay⁴ Capital.  Mr. Whitmire has over fifteen years experience in the financial service industry.  Prior to joining Bay⁴, Mr. Whitmire was Chief Investment Officer for GATX Capital’s Technology business unit, one of the industry’s largest independent technology leasing companies.  In this position, Mr. Whitmire was responsible for the overall investment strategy for GATX Technology Services.  His primary duties included the management of Credit, Pricing, Funding, and Transaction Approval for the Technology group’s North American operations as well as coordinating investment activities for joint ventures in Europe and Australia. 

Prior to his role as Chief Investment Officer, Mr. Whitmire held the position of Managing Director, responsible for the Technology group’s North American Sales and Marketing operations as well as overseeing the functional areas of Credit, Pricing, and Funding of lease transactions. 

From 1995 to 1998, Mr. Whitmire was Vice President, Marketing, with responsibilities including development and implementation of the Company’s sales and marketing plan, as well as pricing and structuring of all lease transactions.   

From 1991 to 1995, Mr. Whitmire held various positions as part of the management team of Sun Financial Group, Inc., prior to its merger into GATX Capital.  Mr. Whitmire began his career with Sun in 1988, as a Regional Sales Manager.   

Mr. Whitmire received his BA in Economics from Davidson College.

Charles N. Lafferty is the Chief Financial Officer of Bay⁴ Capital.  Chuck began his career in the technology leasing business in 1992 with Sun Financial Group, Inc., which was renamed to GATX Technology Services after the merger of Sun with GATX Capital Corporation in 1995.  For the past ten years at Sun/GATX Chuck has been responsible for Accounting, Financial Planning and Analysis, and Tax in his capacity as Vice President, Finance.   

Before joining Sun, Chuck was with Florida Progress Corporation as a Vice President in the Credit Division.  He also served as Assistant Controller at Home Shopping Network, Inc., Vice President at Home Federal Bank, and Senior Accountant at KPMG. 

Chuck earned a BA in Accounting in 1979 from the University of South Florida and is a Certified Public Accountant.

Audrey M. Odden is the Vice President Finance and Administration for Bay⁴ Capital.  She has been in the financial services industry for fifteen years.  Audrey is responsible for developing and maintaining all lender relationships, manages credit underwriting and contract administration and coordinates all lease financings. 

Audrey served as Vice President Finance and Administration for Convergent Capital Corporation from September 1998 to May 2001. Convergent was a startup captive leasing company, which quickly grew to profitability.  There Audrey obtained a warehouse line of credit, developed small ticket lender programs, and managed credit and contact administration.

From March 1990 to August 1998, Audrey held several positions including Account Manager – Finance for Sun Financial Group, Inc.  She secured debt placement of $175 million in lease transactions in 1998 through single or portfolio financing with the nation’s larger lending institutions.

From 1986 to 1989 Audrey was employed by CIS Corporation formerly CMI Corporation.  There she held Senior Regional Account Administrator positions.

 Audrey received her BA in Marketing from the University of South Florida.

Jeffrey A. Paul is the Vice President, IT Services, for Bay⁴ Capital.  Jeff has more than fourteen years experience in information systems management.  Before joining Bay⁴, he was the Chief Information Officer for GATX Technology for seven years.  As such, Jeff was responsible for implementing the equipment standardization, MIS tracking system, and high level of IT service throughout the GATX organization.  He was instrumental in the development of GATX’s international web services, and developed a partnership with an equipment provider to support their procurement initiative. 

Prior to becoming a permanent GATX employee, Jeff worked with Sun/GATX on a consultant basis to fine-tune their IT systems.  In 1988 Jeff started SLP Resources, a consulting platform, which targeted companies needing client server, mainframe implementation, application development, and IT strategic development.  From 1988 to 1996 SLP worked with a variety of clients including Seminole Electric in Tampa, FL and Beneficial Finance in Peapack, NJ.  Jeff also served as the interim CIO for J. Walter Thompson, Detroit, MI, where he reorganized the company’s IT department, standardized their products, and hired the permanent IT management. 

Jeff received his BS in Computer Science from Thomas Edison State College, Trenton, New Jersey.