We understand that business challenges can lead to non-traditional financing needs that fall outside the scope of conventional financing. At our firm, we view these complexities as opportunities to deliver tailored, innovative financing solutions that help our clients move forward with confidence.

Financial Economists
As a career asset-based lending executive with over 50 years of experience, I have built a national reputation for structuring and managing customized credit facilities that support the growth and turnaround needs of middle-market businesses.

CHIEF EXECUTIVE OFFICER, CEO
Yusef Muhammad has 30+ years as an experienced business and financial services professional. He directs investment strategy decisions and governance. Mr. Muhammad currently manages equity assets under management and oversees a significant portfolio.

CHIEF OPERATING OFFICER, COO
With a decade of experience leading high-value commercial finance transactions, Derrick Muhammad has established himself as a results-driven Investment Broker with a proven track record in structuring complex real estate deals, driving business development, and delivering customized financing solutions. A graduate of Sam Houston State University with a Bachelor of Business Administration, Derrick brings a strategic blend of financial acumen, deep market knowledge, and relationship management expertise to every engagement.

General Counsel
Over 40 years of experience providing aggressive, results-driven legal representation across a wide range of practice areas in state and federal courts.

Richard F. Brown, COL, U.S. Army (Ret.)
Government Markets & Capital Strategy Advisor
Richard Brown helps companies navigate the intersection of government, capital, and strategic growth. A retired U.S. Army Colonel and former senior strategic planner at Headquarters, Department of the Army, he spent more than two decades advising senior leaders on multi-billion-dollar investment decisions, force modernization initiatives, and long-range strategic planning.
At HOUSTON FiNTECH, Richard works with business owners, investors, and developers to identify opportunities in the federal marketplace, build strategic partnerships, and align financing solutions with long-term business objectives. His experience across the Department of Defense, Congress, and the private sector helps clients better understand government priorities and position themselves for sustainable growth.
Richard is also the Founder and Managing Partner of Sentinel Defense Advisors, where he advises defense, technology, and government-focused companies on federal market strategy, executive engagement, and business development.

Affiliate Valuation Expert
Shelia Darby has 20+ years as an experienced valuation and financial professional. Ms. Darby is a recognized thought leader valuing complex initiatives and companies. She has worked on projects ranging from asset to company valuations. Past projects have included work for companies ranging from Fortune 500 to small, privately held businesses.
Ms. Darby provides certified valuation reports that deliver the insight and credibility needed to facilitate deal making and successful resolutions. As a certified business appraiser, she adheres to the high standards set forth by well-recognized, accredited organizations.
For HOUSTON FiNTECH, she provides the highest level of third-party financial analytics and valuation assistance.
Ms. Darby holds an M.B.A. from Rice University, a B.B.A. in Finance from Baylor University, and professional certifications from the National Association of Certified Valuators and Analysts (NACVA), including the Certified Valuation Analyst (CVA) and Master Analyst in Financial Forensics (MAFF) designations. She is also a certified Project Management Professional (PMP) from the Project Management Institute (PMI).

Relationship Manager
Former Bank Branch Retail Executive | Vice President
Accomplished banking executive with extensive experience driving branch growth through strategic marketing, client development, and relationship management. Known for a polished executive presence, success serving diverse and affluent clientele, and a consistent track record of exceeding revenue goals. Widely recognized for dedication, disciplined execution, and the ability to build lasting client relationships that strengthen retention, profitability, and long-term growth.
Investment Licenses: Series 6, Series 63, and Group 1

Client Relations Specialist
Robert brings over a decade of experience in client relations and real estate operations, with a strong track record of delivering exceptional service throughout the property buying, selling, and leasing process. As a dedicated customer service professional within a high-volume real estate brokerage, Robert has consistently ensured a seamless and personalized experience for clients while supporting agents and transaction coordinators.


HOUSTON FiNTECH is a non-bank private capital advisory and brokerage firm. We help real estate investors, developers, business owners, and referral partners evaluate financing needs, prepare lender-ready transactions, and access private lending, private credit, and selected equity capital sources.
HOUSTON FiNTECH is not a direct lender unless specifically identified in writing. Financing is provided by independent third-party capital sources and remains subject to underwriting and final approval.

ABOUT HOUSTON FiNTECH
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