Our Team

PPC LOAN’s team have spent years honing their skills to help our customers grow and expand their business. Our team truly puts our clients’ financial needs first. Meet the people who deliver tailored financing solutions and steadfast support for our clients every day.



  • Paul Clarke
    Paul Clarke

    Serving as President & CEO of PPC LOAN, Paul has focused on expanding the lending niches to which PPC LOAN serves, recently adding Independent Investment Advisors and FedEx Home and Ground to the buffet of industries in which PPC LOAN provides capital. Paul has personally reviewed and signed off on every credit application PPC LOAN has funded since 2000, which accounts for over 2,800 loans, totaling $1.40 billion in funding. Paul also leads the wonderful team of folks at PPC LOAN, with a focus on customer activism, continued process improvement, and open communication.

    Paul has written and published over 30 articles and is regularly asked to speak at various meetings. Paul created the Allstate Agency Value Index in 2009, a tool that has been used by Allstate Insurance Management, along with buyers and sellers alike to assist in placing a fair and equitable value on an Allstate agency. With over 4,000 subscribers to the quarterly AAVI report, Paul is regularly asked to speak on agency valuation, and has traveled to all 13 Allstate designated regions for speaking engagements.

    Paul graduated from Texas A&M University with a BBA in Finance and joined PPC LOAN in 1999. Paul currently resides in The Woodlands, TX with his wife and two boys. Paul spends his free time coaching his son’s sports team, fishing, playing golf and attending church functions.

  • Tabitha Hughes
    Tabitha Hughes

    With 17 years experience, Tabitha is the leader of PPC LOAN’s company operations overseeing all closing, customer service, and administrative functions. Currently, she is focusing additional efforts on database management and administration, converting the office to paperless, and utilizing secure document transfers for customer use. She continues to close loans and spends a great deal of her time talking to, and helping our customers.

    Since joining the company in 2000 to serve in an administrative capacity, Tabitha has worn many hats at PPC LOAN. After spending a short time as an administrator, she closed and underwrote loans, directed our marketing efforts, then led the closing team. Her position as Chief Operating Officer allows her to oversee loan closings while continuing to have a presence in keeping our customers happy long after their loan closes.

    Tabitha currently resides in Conroe, TX and enjoys spending time with her family and volunteering.

  • Dustin Mangone
    Dustin Mangone

    As the Director of the Investment Advisor Program, Dustin spends 100% of his time focused on the acquisition financing needs of investment advisors nationwide. With over 10 years of experience as a cash-flow lender, Dustin has underwritten more than $250 million in funded loans supporting hundreds of business owners across the country that are looking to grow their business by way of acquisition. From the initial phone call to the funding of your loan, Dustin takes a hands-on approach to making sure your experience and needs are properly met throughout the entire process.

    Dustin spent two years as a financial advisor providing retirement planning for non-profit organizations before joining PPC LOAN in May of 2005. Dustin has also assisted business owners with various other financing needs including mergers, buy-ins, buy-outs, and succession plans.

    Dustin is a 2002 graduate of Texas A&M University, resides in Houston, TX, and enjoys traveling and hunting.

  • Steven Kemper
    Steven Kemper

    Steven is well known in the insurance industry, assisting both Allstate Insurance and Farmers Insurance agency owners to pursue their dreams of business ownership. With over a decade of experience, Steven helps guide his customers through the agency acquisition and financing process. Steven has been quoted as saying “Sometimes the best deals are the ones that don’t get done.” as he knows his job is to ensure his customer doesn’t make an ill-advised purchase.

    Steven graduated from Texas A&M University with a BBA in Finance and joined PPC LOAN in early 2005 as a Financial Analyst. Steven has been involved in over 1,000 Allstate agency acquisition transactions since joining PPC LOAN and played a critical role in the development of the newly formed Farmers Insurance Lending Program.

    Born and raised in Brenham, TX, Steven currently resides in The Woodlands, TX with his wife, son, and daughter. Outside of work, Steven enjoys spending time with family, golfing, fishing and watching college football.

  • Fred de Roode
    Fred de Roode

    Fred has over 34 years of senior management experience in the financial services industry and is one of the founders of PPC LOAN. Prior to founding PPC LOAN in 2008, Fred was one of the founders and served as President and CEO of Professional Practice Capital, LLP since 1998.

    Prior to founding Professional Practice Capital, Fred started and managed the Professional and Executive Banking Division for a large Chicago bank and managed their Small Business Banking Division. Fred has specialized in providing professionals and entrepreneurs access to capital in order to grow and manage their professional practices and businesses since he began his banking career and possesses expertise in the areas of private banking, commercial lending, financial planning, business development, and marketing. Fred graduated from the University of Mississippi with a BBA in Banking and Finance. He is a licensed Certified Financial Planner, a member of the Board of Trustees of the Pacific Dental Education Foundation of the Arthur A. Dugoni School of Dentistry at the University of the Pacific in San Francisco, CA, and a founder of the Center for Insurance and Risk Management at the University of Houston Downtown in Houston, Texas.

  • Mac has over 35 years of banking experience and is one of the founders of PPC LOAN and its predecessor firm Professional Practice Capital in 1998. Through PPC LOAN, Mac has developed and grown lending programs which have provided over $1.5 billion in financing in support of the business needs of service sector professionals such as dentists, veterinarians, accountants, insurance agents, investment advisors, and Federal Express independent contractors.

    In addition to owning and operating a Federal Express independent contractor firm, a general dentistry practice, a mergers and acquisitions consulting firm, serving as a member of the Practice Management Faculty of the Northwestern Dental School, Mac has also been a regular lecturer at the University of Texas San Antonio and University of Las Vegas Dental Schools. Mac has published numerous articles in prominent publications, and is the author of The Affluent Dentist (a book offered for sale on Amazon.com). Mac graduated from Southern Methodist University with a BBA in Accounting and is a Certified Financial Planner.


  • Ty Roemer
    Ty Roemer

    As a Financial Analyst, Ty focuses his efforts on the Allstate and Advisory Lending Programs. Ty provides professional, educated, and friendly service to ensure a smooth and simple experience for our customers, delivering the best level of care and attention while meeting their individual needs.

    Prior to joining PPC LOAN in 2016, Ty graduated from Texas A&M University with a Bachelor of Business Administration in Finance and a minor in Economics. During his time at A&M, Ty found his interest in finance while taking a course in Money & Capital Markets where he was introduced to the world of business finance and the lending industry. In addition to school, Ty gained hands-on experience while working for a small lending firm specializing in personal lending niches for its client base and exposing him to the positive impact lending can have on its clients and their communities.

    Originally from Salado, TX, Ty currently resides in The Woodlands, TX where he enjoys spending time with friends and family, attending sporting events, hunting, and fishing.

  • Tully Dunlap
    Tully Dunlap

    As a Financial Analyst, Tully specializes in the Allstate Lending Program. Tully knows that each deal is unique and prides himself on providing professional and educated service to his clients and ensuring that their particular financing needs are met throughout the entire loan process.

    Tully graduated from Texas A&M; University with a Bachelor of Business Administration in Finance in 2017 and joined PPC LOAN soon afterwards. While in school, he was a member of the Aggie Investment Club and held several officer positions as a member of the Delta Tau Delta Fraternity.

    Originally born in Tulsa, OK, Tully was raised in Spring, TX where he currently resides. In his spare time, he enjoys hanging out with his friends and family, playing golf, tailgating, and watching sports.

  • Aaron Racino
    Aaron Racino

    As a Financial Analyst, Aaron takes great pride in assisting his clients during the financing process to ensure a sound financial transaction takes place and providing friendly and helpful customer service along the way. With a background in sales, Aaron knows the importance of tailoring products to suit the needs of his customers.
    Aaron graduated from Sam Houston State University in 2015 with a double major in Finance and Banking & Financial Institutions and joined PPC LOAN the same year. During his college career, he was very active on campus as a member of the Alpha Gamma Rho Fraternity, the Beta Gamma Sigma International honor society, and held several officer positions on the SHSU Trap & Skeet Team.

    Originally born and raised in Austin, TX, Aaron currently resides in The Woodlands, TX where he enjoys spending time with his friends, watching sports, hunting, playing golf, and volunteering his time to help around the community.

  • Blake Brown
    Blake Brown

    As a Financial Analyst at PPC LOAN, Blake focuses primarily on the Allstate Lending Program. Blake uses his knowledge of various lending styles to mold the PPC LOAN experience to the needs of his clients. Blake is currently pursuing an MBA in hopes that his continued education will benefit both his clients and the company in the future.

    Blake graduated from Sam Houston State University in 2018 with a major in Banking & Financial Institutions, and joined the team at PPC LOAN soon after. Blake gained valuable experience during his undergrad as an intern for a large financial holding company with a focus in commercial financing. He also specialized in loan repayment as a Student Loan Mentor on his college campus. For his dedication to promoting financial education, he was proud to be inducted as a permanent member of the Student Alumni Association upon graduating.

    Blake was born in Plano, TX, but is currently living in The Woodlands, TX where he likes to spend time with his friends, golf, and attend concerts and sporting events.


  • Christina Baca
    Christina Baca

    Christina joined the closing department at PPC LOAN in January of 2012. She provides her clients with superior customer service and a forward thinking attitude that ensures a smooth closing process. She also aids in loan servicing and seeks to maintain relationships with customers throughout their loan term.

    Christina graduated from Texas A&M University with a Bachelor of Science in Agricultural Economics and a minor in Business Administration. Christina previously worked for the Office of the President while attending Texas A&M University, gaining valuable experience in business operations and supporting high-level executives.

    In her free time, she enjoys running, hunting, fishing, and spending time with her family and friends.

  • Tricia Emfinger
    Tricia Emfinger

    As part of the closing team, Tricia assists with ensuring that the loan closing process goes smoothly and each individual’s experience with PPC LOAN is a pleasant one. She enjoys the customer service aspect of working directly with clients and seeks to establish long-term relationships so that customers will return to PPC LOAN each time they encounter opportunities where financing is necessary.

    Tricia earned a Bachelor of Science in Accounting before contributing in the oil and gas industry. After raising four children, she became a professional chocolatier, owning her own business and storefront. During this time, Tricia also designed menus for a premier restaurant and won several awards as a local business owner.

    With years of diverse experience, Tricia returned to the financial management sector by joining PPC LOAN in 2016. She currently resides in Spring, TX and enjoys traveling and volunteering, as well as spending time with her family and two English Bulldogs.


  • Brittany Dennis
    Brittany Dennis

    Brittany oversees PPC LOAN’s Customer Concierge Team and focuses on the overall customer experience. She works closely with the Closing Department to guarantee that you receive the best possible service in the industry. She brings over ten years of experience in project management and customer service to PPC LOAN. Brittany looks forward to assisting you with all aspects of your loan needs, from the first contact to after the loan has funded. She will help guide you throughout the loan process, ensuring that the many stages of your business loan and the various aspects of the process go smoothly.

    Brittany graduated from Sam Houston State University with a Bachelor of Business Administration with a minor in Management. She grew up in the Pacific Northwest area, until she moved to Texas in 2007. She now considers The Woodlands, TX home. In her free time, you will find her relaxing with friends and family. She also enjoys going to professional sporting events and traveling.

  • Mary Kate Fulkerson
    Mary Kate Fulkerson

    Mary Kate is the most recent addition to the Customer Concierge team as an Operations Assistant. For the past 10 years she has been working in luxury customer service in various forms. Mary Kate truly loves the opportunity to build long-term relationships that her career provides. She is passionate about creating a welcoming and memorable experience for each and every client in their financing needs.

    As a graduate of Louisiana State University with a Bachelor of Science, she considers Louisiana her second home. In her free time, you might find her travelling to new locales, making art in any form, or relaxing with friends.


  • Jaymee Young
    Jaymee Young

    Jaymee plays a critical role in ensuring PPC LOAN runs smoothly every day. For the last ten years, she has worked as an administrator, office manager, and marketer, including various levels of communication with our customers. From a marketing perspective, Jaymee makes sure PPC LOAN is well represented from a web and print media perspective, and she oversaw the overhaul of the PPC LOAN website. Jaymee has truly found her niche leading the very crucial marketing and travel efforts of the company.

    Jaymee graduated from Southern Utah University with a Bachelor of Science in 2005, and joined PPC LOAN in 2007. She grew up in Utah and moved to Texas in 2005, where she lives with her husband and two daughters, as well as her dog and cat. She enjoys archery, hunting, baking, and volunteering in her neighborhood.

  • Katie Thibert
    Katie Thibert

    Katie is the welcoming voice you hear when you call PPC LOAN. She has over 13 years of customer service experience and uses it to direct your phone calls to our team of experts here at PPC LOAN as well as assist with other administrative duties.

    Katie is currently enrolled at Lone Star College and will transfer to Sam Houston State University, graduating with a Bachelor of Business Administration. She was born and raised in The Woodlands, TX, is the oldest of four siblings, and resides in The Woodlands. In her free time, she likes to hang out with her younger siblings and her Maltese dog named Puff. She also enjoys trying new types of food, traveling, and going to professional sporting events.