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About Debt Capital Works

Finance should feel considered,
not transactional.

Founded in 2022 and headquartered in Milford, Connecticut, Debt Capital Works was built on a simple belief: that loans, insurance and investments shouldn't live in separate silos — they should work together as one financial life.

Debt Capital Works finance advisors meeting with clients
Est. 2022 · Milford, CT

A quieter, sharper way to manage money — built for the modern American household.

Our Story

Private-bank thinking
for everyday Americans.

We bring private-bank thinking to everyday Americans, with transparent advice, fair pricing and technology that respects your time. No commissions, no hidden fees, no products you don't need — just a dedicated advisor working in your best interest.

Since 2022, we've helped over 1,200 households and businesses across all 50 states borrow smarter, protect better and grow wealth with patience. We're proud to be a fiduciary, which means every recommendation we make is legally required to be in your best interest.

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Clients Served
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Capital Managed
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USA Coverage
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Client Retention
What Drives Us

Vision, mission, values &
guiding principles.

The beliefs that shape every decision we make — from the advisors we hire to the products we recommend.

Our Vision

To become the most trusted financial partner for modern American households and businesses. We believe finance should empower, not overwhelm — and that the right advice can change the trajectory of a family's life.

Our Mission

Make borrowing, protecting and growing capital simpler, fairer and considerably more human. We exist to replace confusion with clarity, and anxiety with confidence — one household at a time.

Our Values

Transparency, fiduciary duty, long-term thinking and relentless attention to the client's outcome. These aren't aspirational — they're operational. They guide every conversation, every recommendation and every decision.

Our Principles

We advise — never sell. We disclose everything. We measure success in decades, not quarters. We believe trust is built slowly and broken instantly — so we protect it with everything we do.

"Good finance is quiet. It's the loan you barely notice paying, the policy that's there when you need it, the portfolio that lets you sleep. That's what we build. We're not trying to be the loudest voice in finance — we're trying to be the most trusted. When your money is working the way it should, you shouldn't have to think about it every day. That's the highest compliment we could receive."

— Founder's Note, Debt Capital Works
Our Leadership Team

Real people. Real expertise.

Meet the advisors, planners and strategists behind Debt Capital Works. Every member of our team is licensed, bonded and committed to fiduciary standards.

JR

Jonathan Rivera

Founder & CEO

20+ years in private banking and wealth management. Former VP at a top-10 US bank.

AK

Alicia Kim

Head of Investments

CFA charterholder. Specializes in tax-efficient portfolio construction for high-net-worth clients.

MP

Marcus Peters

Director of Lending

NMLS-licensed mortgage advisor. Structured over $180M in residential and commercial loans.

SL

Sarah Lindgren

Head of Insurance

Licensed in 50 states. Expert in life, health and business insurance planning.

Why Clients Choose Us

The advantages of a private bank,
without the private bank minimums.

Everything you need to borrow wisely, protect fully and invest intelligently — under one roof, with one team that knows your full picture.

Fiduciary Advice

Our advisors are legally bound to act in your best interest. No commissions steering you toward the wrong product.

48-Hour Approvals

Most loan applications receive a decision within two business days, with digital document upload and e-signature.

Unified Planning

Your loan, insurance and investment strategy designed together — because money doesn't live in silos.

Bank-Grade Security

256-bit encryption, multi-factor authentication, and SOC 2 Type II infrastructure protecting every interaction.

Transparent Pricing

Every fee disclosed upfront. No hidden charges, no surprise penalties — read every line before you sign.

Dedicated Advisor

One named advisor who knows your name, your goals and your full financial picture — for as long as you're with us.

Start Your Journey

Ready to work with a team that puts you first?

Book a free 30-minute discovery call with a Debt Capital Works advisor. No pressure, no jargon — just honest guidance for your financial future.

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