About Us
Our mission is to provide businesses with the financial tools they need to thrive in today's market.
Our Story
Founded in 2017, XS Financial was born out of a desire to provide flexible and tailored equipment financing solutions to middle-market businesses. With a clear vision to support companies across the middle market, XS Financial has quickly become the trusted financing partner for some of the largest and most visible companies.
Our deep expertise in credit structuring and our commitment to understanding our client's unique challenges allow us to offer financing options that preserve working capital without compromises. We’ve built a reputation for delivering customized financing solutions that support growth.
Today, XS Financial stands as a leader in middle-market equipment financing, recognized for its speed, reliability, and consistency in meeting the demands of evolving clients. Our dedication to client success defines us as we expand our reach across industries, providing companies with the capital they need for their critical use assets.
Our Mission
At XS Financial, our mission is simple: to empower businesses with flexible and accessible capital solutions for their critical equipment and CapEx needs to drive growth and preserve financial strength. We are committed to delivering customized equipment financing that supports the strategic goals of our clients, enabling them to remain competitive in an ever-changing marketplace.
We believe in fostering long-term partnerships by offering consistent, reliable, and transparent funding that aligns with unique client needs. Across industries, we strive to simplify complex financial transactions, providing middle-market companies with the equipment and CapEx they need to grow, adapt, and succeed.
Our mission is to be more than just a lender — we aim to be a trusted financial partner, offering innovative solutions and unparalleled service to help businesses unlock their full potential.
Meet Our Team
David Kivitz
Before AVG, David was an Investment Analyst at Hamilton Lane Advisors (NASDAQ: HLNE) and CapitalSource.
David graduated with a BBA from George Washington University and is a member of Young President’s Organization (YPO) Philadelphia chapter.
Antony Radbod
Before AV, Antony co-founded Pollen Partners, a venture capital firm focusing on SaaS technologies, digital targeting, and data mining, and was the lead investor and co-founder of Nobody Media, which was acquired in 2016.
Earlier in his career, he served as an advisor to Alta Verde Group, successfully raising equity through a family office in Indonesia.
Justin Vuong
Before joining XS Financial, Justin worked as an investment banker at Roth Capital Partners in their Business Services and Consumer Group focusing on capital markets and sell-side M&A advisory. Justin began his investment banking career as an Analyst at Mufson Howe Hunter, a Philadelphia-based boutique investment bank.
Justin graduated with an MSF from Villanova University and a BA from the University of California, Santa Barbara.
Jim Bates
Previously, Jim was the Manager of Credit Administration at Arvest Equipment Finance, where he led credit and pricing functions, doubling transaction volumes and reducing delinquency rates during his tenure. Before that, he served as Senior Credit Manager at CHG-MERIDIAN USA, responsible for credit and risk management for IT, medical, and material handling equipment across North America.
Jim began his career at Transamerica Equipment Financial Services and has held senior roles at multiple institutions, including SunTrust and AIG Commercial Equipment Finance.
Jim holds a Bachelor of Business in Finance from Western Illinois University, graduating Cum Laude.