Rich Tarpey is a commercial real estate and credit executive with more than 30 years of experience across banks, private credit, special assets, asset management, and real estate investment platforms. Throughout his career, Rich has worked closely with banks, borrowers, investors, and operating companies to structure and manage complex commercial real estate and business lending relationships across multiple market cycles. Prior to joining Flatbay Capital, Rich held senior leadership positions with institutional lenders and private investment firms including Silver Hill Financial, Bayview Loan Servicing, Electra America, and Toccoa Capital Management. His experience spans bridge lending, loan workouts, restructurings, construction and development finance, preferred equity, and transitional lending solutions for owner- occupied commercial real estate.

At Flatbay Capital, Rich focuses on building relationship-driven partnerships with commercial bankers, financial professionals, and business owners throughout South Florida. Leveraging his

extensive credit and special assets background, Rich works to help viable businesses navigate transitional situations, preserve banking relationships, and create a path back to traditional financing.

When Rich is not busy chauffeuring his three sons to lacrosse tournaments, he enjoys fishing and paddleboarding with his boys, and long beach walks with their yellow lab, Sailor.