Ray Smith is the President & CEO of Trycera Financial, Inc. Mr. Smith has spent over 25 years developing technologies and platforms in order to facilitate consumer credit profile reporting and business credit building. He is focused on a wide array of credit profiles, but specifically gravitated to thin or limited credit profile reporting. During his tenures across a broad spectrum of companies, Mr. Smith raised millions of investment dollars for the purpose of funding working capital and research and development to complete proprietary software development in the reporting and credit services space along with acquiring strategic business relationships. He currently has been focusing on helping small business owners secure capital for launch, growth and scaling by using their EIN credit as well as securing institutional and private investments. In addition, prior to his involvement in the credit reporting, credit building and technology space, Mr. Smith owned and operated a diversified financial services call-center which was responsible for processing credit card applications for a variety of banks specializing in turn down consumer conversions. The call-center generated up to $250 million in open to buy available credit and employed over sixty people. As a leader in the alternative credit reporting markets and due in large part to his vast understanding of both the credit and reporting systems, Mr. Smith has emerged as a leader in the space. With his latest endeavors, Mr. Smith has put together a comprehensive financial credit awareness and funding coaching package to assist small business owners and entrepreneurs secure the capital they need to properly run their business. Mr. Smith received a Bachelor of Science degree in Math and Music from Dickinson State University located in Dickinson, ND. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County.