Our Management Team

(323) 792-1500 ext 201

Michael Baumann

CEO and Founder

YourSBA.com has a simple mission: To deliver a free, fast, smooth and secure process for small business owners and SBA borrowers from initial inquiry to successful loan closing. Our SaaS technology platforms – YourEdge™, ForeverTrack™, SBA Loan Calculator and our bank/lender platform – are industry-disrupting, one-of-a-kind, technology conduits between borrowers, banks and business advisors. Our platform-based services should eliminate the need for loan broker expenses to the client and bank marketing inefficiencies, what I call, “friction in the marketplace.”

Each week, hundreds of highly talented, driven and successful business owners from coast to coast interact with our platforms and calculators learning about the possibilities of SBA lending. My favorite attribute of our customer base is that it is growing primarily from referrals of existing clients and business professionals who have worked with us. Is there any greater compliment for a company?

My background is technology and finance. I’ve grown four successful companies. I was the number two person at an extremely successful technology company right after Washington University and the John M. Olin School of Business. The success of that company and its sale to a public company in Colorado has given me and my family extraordinary opportunities in business and in life.

My second and third companies were technology companies serving the largest financial firms in the country. Some of those clients were Western Union, formerly Travelex; AT&T and its subsidiaries; Fannie Mae and numerous other great companies.

Each day I have the pleasure to work with Dr. Chet Skamiera, M.D. Chet is an Ivy-League graduate and one of the smartest people I have ever met.  It took me six months after meeting Chet to decide if it was a good fit for him (and me) for him to join our team. I asked him to interview everywhere and talk to everyone before deciding if he wanted to move out to Los Angeles and help me take this company to the next level. If you have the good fortune to work with Dr. Skamiera you are in great hands – he is the hardest working person I know.

Personally, I enjoy fitness including long weekend bike rides from south Pacific Palisades to Venice Beach.

We are based in Los Angeles, California and are registered as a California technology platform company.

(323) 792-1500 ext 621

Dr. Chet Skamiera, M.D.

Director of Operations

Chet oversees the client experience with YourSBA.com and specializes in the use of the SBA 7(a) loan product in the healthcare sector.

“We try to make this the smoothest possible process for our client. If we can reach a prospective borrower and educate them on the process before they walk into a bank or are sold by a loan broker then everybody wins — the client, the bank and any third parties involved including business advisors and intermediaries.”

Chet holds a B.S. in Biochemistry and an M.D. (Doctor of Medicine) from the Geisel School of Medicine at Dartmouth. Inspired by his background in medicine, his specialty also lies in the use of the SBA 7(a) loan product in the healthcare sector.

Chet enjoys leading an active lifestyle, whether he is at the gym working out, playing soccer, or walking his dog Yosco.

Joe Wojtowicz, SBA Loan Director

(323) 792-1500 ext 617

Joe Wojtowicz

SBA Loan Director

Joe has over 40 years experience in the lending industry – primarily in SBA lending.  In the 1990s he helped build a start-up SBA lender into the number one SBA lender in the nation.  Prior, he worked with several national lenders providing turnkey financing to the franchise industry.

After many years in the industry originating and funding hundreds of millions of dollars in small business loans,  Joe decided to start an SBA loan consulting, packaging and placement business in 2009. Joe joined our firm in 2013. His goal: “to assist small business owners with  SBA lending.”

Around here, Joe is simply the SBA guru.  At home, he enjoys polka music and amateur radio.

Randy Gehres

Advisory Board

Randy is Senior Director of National Accounts for Western Union Business Solutions. Randy has over 25 years of experience in banking, currency, international banking and foreign currency. President Emeritus of the Southern California Association of Financial Professionals (AFP), Randy has hundreds of lender and industry contacts.

We’re always looking for motivated individuals interested in joining our Los Angeles team.