Experience where capital meets strategy.
Principal-led specialty finance advisory grounded in data, analytics, and real-world experience across capital, credit, operations, and growth.
An institutional perspective. A personal commitment.
Chrome Hill Capital is a privately owned specialty finance advisory firm serving fintech companies, direct lenders, point-of-sale lenders, and lending platforms.
Built on decades of experience spanning institutional lending, structured credit, and consumer finance operations, the firm combines capital markets judgment with disciplined, data-driven analysis. Our approach is direct, selective, and grounded in the practical demands of building, funding, and managing finance businesses through changing market conditions.
Informed by the lender's view.
Grounded in the operator's reality.
Data and analytics are embedded in every engagement, informing how specialty finance businesses evaluate capital, manage risk, optimize performance, and pursue growth.
Data & Analytics
Good specialty finance decisions begin with sound data. Chrome Hill Capital pairs executive-level judgment with rigorous analysis, helping clients turn complex financial and portfolio information into clear, actionable decisions.
A dedicated project team is available to support data-intensive assignments, from one-time analytical studies to recurring reporting and decision-support initiatives.
Funding relationships, asset-backed credit facilities, borrowing-base analytics, capital structure, and liquidity planning.
Underwriting frameworks, risk-based pricing, vintage and cohort analysis, portfolio monitoring, and credit performance.
Strategic planning, product economics, distribution, market opportunities, and data-informed growth decisions.
Origination, servicing, collections, KPI reporting, process design, and scalable finance company operations.
Services are subject to engagement scope and applicable professional requirements. Chrome Hill Capital does not represent that it is a registered broker-dealer or investment adviser.
Ryan Connorton
Ryan Connorton is the Founder and Principal of Chrome Hill Capital and Chief Operating Officer of Equity Sales Finance, a Minneapolis-based consumer finance company.
With more than two decades of experience in specialty finance, consumer lending, structured credit and fintech, he brings a distinctive combination of institutional capital markets experience and hands-on operating leadership.
Prior to joining Equity Sales Finance, he served as Managing Director and Head of Originations & Structuring for the consumer finance vertical at Encina Lender Finance. His career also includes specialty finance leadership positions at BMO, Capital One and First Horizon.
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Throughout his career, Mr. Connorton has worked with hundreds of consumer finance companies, supporting management teams as they navigated financing requirements, economic cycles, strategic initiatives and evolving operating conditions. His experience encompasses asset-backed credit facilities, mergers and acquisitions, treasury management, originations, portfolio oversight, and risk management for sponsor-backed and independently owned finance companies.
He also leads The Merchant Desk, Chrome Hill Capital's merchant financing brokerage, which connects service and product merchants with consumer financing providers.
Mr. Connorton earned a Bachelor of Science in Finance from the University of Louisiana and completed the University of Notre Dame's Executive Leadership program.
Outside of work, he enjoys cooking, traveling with his family, and cheering on his two children at sporting events.
BMO • CAPITAL ONE • FIRST HORIZON
The Merchant Desk.
A specialized merchant financing brokerage and a Chrome Hill Capital company.
The Merchant Desk focuses on connecting service and product merchants with third-party consumer finance providers. Its approach draws on deep lending industry relationships and an understanding of how merchant financing programs are structured and evaluated.
While Chrome Hill Capital advises specialty finance businesses, The Merchant Desk works directly with merchants seeking consumer financing solutions.
Connecting service and product merchants with the right consumer financing providers.
Visit themerchantdesk.com ↗Good conversations start
with the right perspective.
For conversations about specialty finance strategy, analytics projects, or advisory engagements, connect directly with Chrome Hill Capital.
Towson, MD 21204