Movers & Shakers: Joe Reynolds, Bill King, Neal Kyber, & Noel Ferrufino

September 18, 2025

by Bob Coleman
Founder & Publisher

Movers & Shakers: Joe Reynolds, Bill King, Neal Kyber, & Noel Ferrufino

Joe Reynolds Named Sr. VP of Business Development at ACC Capital

“Joe is a professional of the highest caliber, and we consider ourselves lucky to have him on board,” says Craig Calafati, Executive Vice President and Director of Lending. “He will play a key role as we continue our initiative to become one of the preeminent SBA lenders nationwide.”

ACC Capital has announced the hiring of Joe Reynolds as Senior Vice President of Business Development, based in Fishers, Indiana. Reynolds brings over a decade of SBA lending experience, specializing in franchise start-ups and business acquisitions.

Since 2012, Reynolds has closed more than $200 million in SBA loans across nearly all 50 states. Known for his nationwide expertise and ability to simplify the financing process, Reynolds has helped countless entrepreneurs and business owners access the capital they need to grow.

ACC Capital, a community development financial institution (CDFI) and SBA lender for more than 35 years, was recently awarded one of three new SBLC licenses by the SBA, enabling it to provide SBA lending services across the country.

Bill King Joins Dogwood State Bank as Business Lending Specialist

Bill King has recently joined Dogwood State Bank as a Business Lending Specialist. With over 20 years of experience in SBA lending, commercial financing, M&A, and consulting, King has built a reputation for helping business owners access the capital they need to grow.

A Certified M&A Advisor (CM&AA) and Certified Lease & Finance Professional (CLFP), King provides strategic, well-structured financing solutions across a wide range of industries and deal structures. Throughout his career, SBA lending has been his primary focus. He has led high-performing SBA and commercial lending teams while staying active in origination.

Among his career highlights, King was named an SBA Financial Services Champion while leading a lending team in Oklahoma and helped a client in Arkansas earn Small Business of the Year recognition through an SBA-financed expansion.

Today, King’s passion remains centered on helping business owners scale through smart financing and mentoring SBA lenders and business development professionals. Based in Dallas–Fort Worth and working with clients nationwide, King is also a speaker and published author dedicated to demystifying the SBA process for entrepreneurs and their advisors.

Neal Kyber Appointed Vice President of Countybank

“Neal brings a wealth of banking knowledge to the Countybank SBA Division,” says Jordan Payne, SBA Business Development Manager. “This officer appointment is well-deserved and reflects his value to the team and Countybank’s SBA success in the Upstate.”

Kyber, a 34-year veteran of commercial banking, joined the Countybank SBA Team in January 2025 as an SBA Business Development Officer, serving the Greenville and Simpsonville markets. Prior to that, he built and later sold a successful property management business he founded.

In his role, Kyber works closely with local realtors, business brokers, and other professionals to identify SBA loan opportunities and strengthen relationships within the community.

A Clemson University graduate with a degree in Financial Management, Kyber also completed the Relationship Management Development Program at NCNB, a predecessor to Bank of America.

Gulf Coast Small Business Lending Announces Hiring of Noel Ferrufino as SVP, BDO

“We are thrilled to have Noel join our Gulf Coast Small Business Lending team in Miami. For several years now we have wanted ‘boots on the ground’ in South Florida and we were looking for the right fit. Noel’s decades of experience, coupled with the fact that he is bi-lingual, will be an asset to both our borrowers and our team,” says Nimi Natan, President & CEO of Gulf Coast Small Business Lending. “As part of our nationwide originations platform, Noel will provide financing to small businesses for start-ups, OOCRE purchases, business acquisitions, partner buyouts and more.”

Noel Ferrufino is a seasoned professional with over two decades of experience in the financial services industry. His experience is centered on small to medium-sized businesses, covering the full spectrum of commercial banking and credit. Over the past seven years, Noel has focused exclusively on SBA lending, bringing deep expertise in a wide range of programs, including SBA 7(a), SBA 504, and international trade loans. This specialization has made him a trusted resource for entrepreneurs seeking to secure capital while navigating the complexities of SBA programs.

Fluent in English and Spanish, Noel offers bilingual support that allows him to serve a diverse client base across the country. He works closely with business owners to understand their goals and structure financing strategies that support growth and long-term success.