Transforming construction finances: from reactivity to proactivity

James Hardy, CPA, is a seasoned financial professional with extensive experience in the real estate and construction industries. As CFO of SAM Construction Group, a vertically integrated real estate firm specializing in multifamily and single-family homes, he has driven financial strategies, optimized processes, and maintained fiscal health during rapid growth. James has implemented effective internal controls, ensured financial compliance, and supported strategic decisions through expert financial reporting. His prior experience includes roles at Wedgewood Inc., Atlas Capital Group, LLC, and PwC US & Australia, providing him with a comprehensive perspective on financial management. A graduate of the University of San Francisco with a degree in Accounting, James applies his expertise to address complex financial challenges, emphasizing business analysis, accounting, and reporting. His commitment to financial stewardship and collaboration supports organizational success and integrity in the real estate sector.

Joe Camberato is the CEO and founder of National Business Capital – a Specialty Finance Group that helps entrepreneurs access competitive financing fast through an easy-to-use online platform and expert advisory team. From SBA loans and lines of credit to term loans, equipment financing, subordinated debt, and more, Joe and his team have financed $2.5+ billion in funding since 2007, becoming market leaders in $100K to $5MM transactions. He started National Business Capital after realizing how challenging it is for business owners to access growth capital. With a strong vision, determination, and passionate leadership, Joe grew his firm from his spare bedroom to an all-star team that’s earned #1 top workplace on Long Island 4 years in a row – all without one dollar of private equity.

With 15 years of experience as a finance operator and advisor across 7+ fast-growing tech startups, David's career has rallied around one core purpose: building high-performance teams that scale operations with cutting-edge technology. Having previously ran the finance teams at Demostack, letgo, & Ollie Pets & as an advisor for Carta, Justworks, Navan, and Ironclad, he now serves Ramp as their first-ever Expert-In-Residence. David implemented Ramp with 3 past companies, making him a seasoned authority in their products and workflows. Today, he leads the team by shaping user experiences, both internally and customer-facing, with a unique curiosity and passion for building the future of financial technology.