Money360 is a vertically-integrated, nationwide commercial real estate lender that sources, underwrites, closes, sells and services small- to mid-balance commercial real estate loans ranging in size from $5 million to $30+ million.

Through the seamless union of world-class technology and irreplaceable human expertise, Money360 delivers a smarter, simpler, and more transparent experience from origination to servicing.

Management Team



Brett serves as Chief Credit Officer and Co-founder of Money360, responsible for transaction due diligence and risk management.

Brett has 30 years of capital markets experience in the structuring and financing of commercial real estate. Prior to joining Money360, Brett founded European Tax Credit Corporation (ETCCorp) in 1999, a financial services company specializing in the origination and development of commercial real estate lending programs utilizing capital market funding sources and non-traditional banking facilities.

Prior to organizing ETCCorp, Brett worked for over 15 years with various private equity and Wall Street groups specializing in equity and fixed-income products. During this time Brett co-originated a lending subsidiary that directed the tax-exempt lending platform of Nomura Asset Capital Corporation’s commercial real estate conduit CMBS/CDO business, one of the largest lenders in the U.S. commercial real estate market at the time.

Brett earned a Bachelor of Science degree in Finance from Brigham Young University.



Jym serves as the Chief Technology Officer and is responsible for the technology strategy and implementation at Money360. He has over 18 years of experience developing software and IT solutions for the financial industry.

Prior to joining Money360, he served as the Vice President of Software Development for Genpact Mortgage Services, a division of Genpact LLC., where he designed and led development of the Genpact Lending Solution (GLS) platform. The platform enabled Genpact to streamline and enhance mortgage processes for industry leaders such as E*Trade® Mortgage, USAA®, Nationstar® Mortgage, Citibank®, and many others. He also designed and oversaw development of Genpact Document Solutions (GDS) – a document management and workflow system for MERS® (Mortgage Electronic Registration Systems) that provides significant cost savings to MERS through workflow and delivery automations for the millions of documents MERS handles each year.

Jym started his career with MoneyLine Lending Services, where he designed and developed MoneyLine’s proprietary mortgage origination and workflow system called Loan Officer Live, which has since been adopted by 65 financial intuitions throughout the United States.

Throughout his career, Jym has been on the front lines of designing and developing advanced workflow and orchestration systems for lending businesses that allow for transparent, efficient, and secure operations.

Jym earned a Bachelor of Science degree in Computer Science from Brigham Young University.



Francesca serves as Managing Director, Underwriting & Credit and is responsible for the oversight, screening, and underwriting of all incoming new loans.

Prior to joining Money360 Francesca worked at Sunwest Bank as Vice President/ Sr. Relationship Manager for CRE Bridge loans and prior to that was Vice President at Wells Fargo in a credit role specializing in Owner Occupied Real Estate. Her experience working at various financial institutions in both business development and credit roles allows her to be credit focused but sales conscious. Francesca has served as President of CREW Orange County as well as in other board roles with CREW, was a member of the NAIOP YPG Class of 2016-2017, and currently serves on the Community Health Committee for Mission Hospital.

Francesca earned her MBA from Loyola University and a double BA in Sociology and Business from University of California at Riverside. Most recently she got a certificate in Commercial Real Estate from Cornell University in 2018.



John Calder serves as Director, Credit Administration and oversees business operations for underwriting, due diligence, processing and closing.

John has over 30 years of experience in commercial real estate, including commercial finance as a lender and as a mortgage banker, and commercial brokerage both leasing and sales.

Prior to joining Money360, John was a Portfolio Leader at Sabal Financial Group where he managed five portfolios with fifteen asset managers. John was also a Portfolio Lead for portfolio acquisitions. John has held management or production positions with Sabal Financial Group, Sterling Bank and Trust, GE Capital, Churchill Mortgage, Northland, Pacific Southwest and CB Commercial Real Estate.
John earned a BS from the school of Business at the University of Colorado – Boulder.

Origination Team

Each Loan Originator has, on average, over 20 years experience in commercial real estate lending.

Recent Media Coverage

Distressed Assets May Be The Tonic A Stressed CRE Market Needs


The commercial real estate market continues to be plagued by fears of a recession. Driven by inflation and the heightened cost of capital, investor sentiment is diminishing. According to a survey from Lightbox, nearly 70% of CRE investors said they are concerned for the future of the market as the year comes to an end. The Federal Reserve has raisedRead More

As Market Volatility Continues, What Will Happen To CRE Lending?


In volatile economic conditions, the first question many commercial real estate firms ask is, “How will lenders react?” Finding funding for projects can be challenging in even the strongest markets. Now, with interest rates and inflation continuing to soar and rumors of a recession swirling, CRE professionals are feeling the heat. Federal Reserve Chair Jerome Powell said at a press conference in August that theRead More

Bridge Lending Booms With Borrowers Banking On Better Times Ahead


The coronavirus pandemic set back many commercial real estate owners’ business plans, slowing down leasing, construction and foot traffic. But with vaccination rates climbing, travel returning and cities reopening, owners can see the light at the end of the tunnel. Optimism for the future of CRE assets is powering a boom in bridge lending. Borrowers whoRead More

Money360 Appoints Tom MacManus as CEO


LADERA RANCH, Calif.–(BUSINESS WIRE)–Money360, a commercial real estate direct lender, today announced that Tom MacManus has been promoted to President & Chief Executive Officer (CEO). Current CEO Evan Gentry will step back from day-to-day operations and transition responsibilities, effective April 5, 2021. Gentry has accepted a three-year assignment from his church to serve as aRead More


Powering a Smarter, Simpler, and More Transparent Lending Experience.

Leveraging technology to improve the commercial real estate borrowing experience has always been at the heart of Money360’s business model. Our proprietary technology drives a fast, reliable and transparent lending process to create a best-in-class market solution.


Opportunity is infinite.

Discover amazing careers at Money360. Every week brings new challenges and every week we work together to meet them. Learn more about the exciting opportunities available to you at Money360.

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