We know how important it is to have reliable transportation. Let us help you get back on the road.

For many years, Chase Fraser ran a service marketing company for the automobile industry. Chase spent years of focused time in shops working with service teams. He liked being in the bustle of activity and watching mechanics unravel the mysteries of what was wrong with a car. But it troubled him to see so many customers who couldn’t afford to get their cars fixed.

Fast forward to 2012. Chase had the idea for a company to fill the gap he saw. He founded CFS as a way to provide car repair loans that were easy to pay off. He recognized the central role cars play in most people’s lives and that many people don’t have the resources to fix their cars.

Partnering with technical wizard and eternal optimist, Kevin Cawley, Chase and Kevin built an online tool that, in a few simple steps, provides affordable simple-interest loans to people who need them. Customers have the ability to pay their loans off in 60 days without interest. Automotive service centers benefit, too, as car owners can now afford the repairs they need.

Today, CFS has more than 50 employees and is led by a team of automotive entrepreneurs with years of experience in dealerships and automotive service centers. We have provided access to over 69M dollars in loans to help people get back on the road. We continue to develop new financial solutions for customers and the automotive service centers that fix their cars.

All of us at CFS enthusiastically embrace Chase’s original vision. We work together in a high energy, fun-loving environment in which collaboration and customer service are our highest values. Our dogs are welcome, too.

Richard Counihan

Chief Executive Officer

Richard previously founded Enprecis, the leader in on-line vehicle quality measurement which operates in 12 countries and counts over 14 brands as customers.

Before Enprecis, Richard was an executive at Who’s Calling, the market leader in call tracking with over 12,000 dealers as customers.

He was part of the deal team that sold the company to private equity in 2006.

Prior to Who’s Calling, Richard was an executive at Percepta, a joint-venture between Ford and Teletech to manage CRM activities across the globe.

Richard graduated from University College London, is married with three children and lives in Mercer Island, Washington.


Tim Clay

Chief Revenue Officer

Tim Clay has more than twenty years experience in the automotive retail space and is a graduate of NADA Dealer Candidate Academy.

Previously, he was COO and Co-Founder of ClickMotive, an automotive technology company.

He was part of both a successful automotive and medical company exit.


Kevin Cawley

Chief Technology Officer

Kevin Cawley is the key factor in establishing CFS as an industry leader in technical efficiency and product usability.

Originally from the Northeast, Kevin began his career as a Mechanical Engineer in Austin, TX.

He soon discovered that his true passion was in software development and entrepreneurship.

After moving to Boulder, CO and receiving his masters in Computer Science, Kevin went on to develop cutting edge technologies and applications for a number of successful startups from inception to sustainability and exit.

In his free time, Kevin enjoys being active with his 4 kids.

He’s also likely to be found cycling while wearing a big smile and a colorful spandex suit on one of the many local mountain roads.


Hal Goetsch

Chief Financial Officer

Hal is originally from St. Louis, MO.

He is a graduate of Purdue University and Harvard Business School.

After graduation from college, Hal served 5 years as a nuclear power trained submarine officer in the US Navy.


Ed Barry, CPA

Chief Credit and Risk Officer

Ed comes to CFS with nearly 20 years of lending experience in the financial services industry.

Prior to joining CFS, Ed was Vice President of Finance with DriveTime, the nation’s largest integrated used car retailer and subprime finance company and Go Financial, a DriveTime subsidiary.

He has a deep understanding of consumer analytics, from underwriting to collections, and has developed corporate risk, pricing, credit and financial models.

His experience overseeing Internal Audit & Compliance has provided a strong sense of regulatory awareness and compliance that is deeply woven into operational policies and procedures.

Ed has his MBA and BS degrees from Arizona State University.

He is also a CPA in Arizona.


John Gersitz

Senior Vice President of Loan Servicing

John joined CFS with more than 20 years of experience in the automotive finance and technology sectors.

During his career, John has built loan servicing and operation groups for multiple non-prime automotive finance companies with operations ranging in size from 50 million to over 1 billion in loans.

Always focused on technology and efficiency, John played an integral role in acquiring a GPS technology company that was focused on providing auto lenders key information about location and use of their collateral.

Using his knowledge of both Loan Servicing and GPS technology, John led the Lender Services division for the nation's largest automotive GPS company and focused on bringing the benefits of a connected car to both the lender as well as the consumer.

John graduated from Northern Arizona University and is married with two children. Most of John’s free time is spent with his family in the mountains of Arizona enjoying the outdoors.


Andrea Gillespie

Director of Sales and Account Management

Andrea Gillespie has over 15 years of experience in the automotive retail space with SaaS products. She has led successful teams in a high-growth, entrepreneurial environment delivering SaaS and telecommunications solutions.

Originally from the Seattle area, Andrea began her career in the automotive space with Who’s Calling, the market leader in call tracking with over 12,000 dealers as customers. She then joined Contact At Once, a Liveperson Company to manage and lead multiple sales teams over the past 9 years to successfully achieve and contribute to a multi-million dollar Automotive SaaS Company.

Her background also includes coaching and training automotive sales teams, constructing and launching a successful new hire training program, and distribution of OEM programs (Chrysler, Subaru, Kia, GM) to the sales team.

Andrea attended CWU in Washington state, and now lives in Phoenix with her family and three children. She spends most of her free time attending soccer games, and being an Uber driver to her children. She is an avid runner and can be found most days training for marathons in order to raise money for Cancer.


Jason Fransua

Senior Director of Compliance

Jason is a strategic-minded compliance professional with eleven years of experience in consumer banking and lending.

He spent over five years working with big financial institutions such as Wells Fargo and US Bank. He has 50+ certificates in Regulatory Compliance, including BSA/AML Compliance, Fraud Prevention, Deposit and Lending Compliance. For more than eight years, Jason has managed high-performance teams.

His background and experience in operations management made him the perfect fit to lead and implement payment processing channels for CFS. He brings a broad range of knowledge and creative problem-solving skills to help CFS achieve its goals.

In his free time, Jason likes to go to the gym, travel, and spend time with his husband and their rambunctious dog, Kovu.


Tamar Gonzales

Director of Loan Servicing

Tamar joined CFS with more than 10 years of experience in the automotive finance industry. She has run numerous loan servicing centers and managed relationships with vendors across the auto industry.

She is always looking for ways to become more efficient and to find new innovative strategies to streamline processes. She is particularly interested in the ways that technology can help with this and has successfully implemented many time-saving systems in large organizations.

Tamar graduated from the University of Phoenix and is married with three children. In her free time, she enjoys spending time outdoors with her family.


*The application generally takes a few minutes. All loans are issued by WebBank, Member FDIC. WebBank funds the repair amount once repairs are completed and documents are executed. All applications are subject to approval pursuant to standard underwriting criteria. The CFS Interest Waived Program applies to all approved customers. As part of the program, interest will be waived if you make all of your scheduled payments on time and pay off your loan in full within 60 days. The maximum approved amount, terms and the Annual Percentage Rate (APR) will be based on an evaluation of credit history. The Average Loan Amount is the average of all loans taken out in the first quarter of 2018, and is based on an average loan term length of 28 months. Interest will be charged to your account from account opening at 9.99%-36.00% APR if the full loan amount is not paid within 60 days. Minimum monthly payment is required. Additional principal payments will be required to pay off the loan amount before promotion expires.

Loans through CFS are made by WebBank, Member FDIC.

P (855) 808-5861

F (720) 468-4141


Boulder, CO

© 2019 Confident Financial Solutions, Inc.

NMLS Consumer Access #1274329