Senior Management

The senior management of First Franchise Capital has a long history of lending into the franchised restaurant segment with most professionals having 20+ years of direct experience. The staff includes Regional Vice Presidents serving dedicated geographic markets, Account Managers supporting the lending effort, dedicated Credit and Documentation Specialists and Loan Servicing professionals.

people_riecker.jpgRichard A. Riecker, Senior Vice President and Director

One Maynard Drive
Suite 2104
Park Ridge, NJ 07656
Phone: (201) 326-4021

Richard Riecker joined First Franchise Capital Corporation (FFCC) in 2005 and currently serves as Senior Vice President and Director of Franchise Finance. He brings more than 25 years of industry experience to FFCC, including senior roles in investment banking, commercial loan origination and franchise lending. In his current role, Riecker has direct P&L responsibility for a national franchise finance line of business at First Financial Bank. Riecker provides strategic leadership, direction and product development to a group of professionals that offer innovative finance solutions to franchise restaurant owners as they work to implement successful operational and growth strategies.


Riecker graduated with Bachelor of Science and Bachelor of Arts degrees from Embry-Riddle Aeronautical University where he also earned his private pilots license. Riecker earned his NASD Series 7 and Series 63 licenses (expired).

Andrea Miranda
, Manager - Documentation & Closing

One Maynard Drive
Suite 2104
Park Ridge, NJ 07656
Phone: (201) 326-5101

Andrea Miranda joined First Franchise Capital Corporation (FFCC) in February 2011 and currently serves as Senior Vice President of Documentation and Closing. She is an accomplished professional with over 15 years of diversified financial lending industry experience. She manages the Documentation and Closing teams while working closely with marketing vice presidents and credit officers to facilitate and enhance the loan closing process. In addition to her core responsibilities, Andrea also assists with compliance loan servicing, capital markets, business development, and customer relations. She was introduced to the lending industry via Citigroup, Inc. where she spent six years working directly with legal, capital markets, credit, operations and documentation. She also worked for FFCC's predecessor company and Wells Fargo.


Andrea obtained her BA in Business Administration-Management from Berkeley College.

people_spicer.jpgRick Spicer, Regional Vice President

8239 Ashworth Court
Jacksonville, FL 32256
Phone: (904) 538-0005
Cell: (904) 716-7390
Fax: (904) 538-7475

Rick Spicer joined First Franchise Capital Corporation (FFCC) in 2009 and currently serves as a marketing vice president for the Southeast region. He first joined FFCC’s predecessor companies in 1996. Spicer brings more than 35 years of industry experience to FFCC. He previously served the franchise lending market in Seattle, Washington for 16 years before relocating to the Southeast in 2004.


Spicer served in the Marine Corps Reserve for six years. He also earned an education degree from Sam Houston State University and taught high school for four years.

people_albin.jpgKim Albin, Regional Vice President

3710 SW Hamilton Street
Portland, OR 97221
Phone: (503) 452-1142
Cell: (503) 867-3402
Fax: (503) 452-1143

Kim Albin joined First Franchise Capital Corporation (FFCC) in 2009 and serves as the marketing vice president for the Northwest region. She first joined FFCC’s predecessor company in 1996 and brings more than 20 years of experience to the team. Prior to joining FFCC, she served as a vice president and sales manager for FMAC/Federated Franchise Capital Corporation. She has also worked for GE Capital, PacificCorp Credit, AT&T Capital Corporation and First Hawaiian Bank.


Albin graduated from Oregon State University and earned a Master’s in Business Administration from Marylhurst University.

Peter AustinPeter Austin, Regional Vice President

615 Washington Road
Suite 305
Pittsburgh, PA 15228
Phone: 412-341-0500
Cell:  412-398-7933
Fax:  513-246-1829

Peter Austin joined First Franchise Capital Corporation (FFCC) in January 2013 and serves as the marketing vice president for the midwest region. Austin brings more than 18 years of industry experience to the FFCC team and will guide clients with strategic and customized financial solutions to help them reach their goals.

Austin is a resident of Pittsburgh and a graduate of Yale University.

People _mcclureJon McClure, Regional Vice President

2067 Woodbourne Terrace
Castle Rock, CO 80104
Phone: 720-733-1169
Cell: 720-326-0353
Fax: 402-562-5291

Jon McClure joined First Franchise Capital Corporation (FFCC) in 2014 and currently serves as a marketing vice president for the Southwest region. Jon brings more than 20 years of industry experience to the team. Jon began his career with Franchise Mortgage Acceptance Company primarily focusing on YUM! Brands, Wendy’s, Burger King and Popeye’s. He recently acted as an advisor/consultant to the QSR industry which enabled him to become a well-rounded lender with further understanding from the perspective of a franchise.

McClure is a graduate of University of Denver and earned a Bachelor of Science in Business Administration-Management.

finch_c.jpg Cabell Finch, Regional Vice President

3060 Lanier Drive
Atlanta, GA 30319
Phone: 404-869-6943

Cabell Finch joined First Franchise Capital Corporation (FFCC) in 2009 and currently serves as the Region Vice President for the upper Midwest Region. He brings more than 18 years of franchise lending experience and over 25 years of overall finance industry experience. Prior to joining FFCC’s predecessor in 2007, Finch served in various roles in franchise finance with GMAC Commercial, Lehman Brothers, and CNL Group.

Finch earned a Bachelor of Science degree in Business Administration at the University of North Carolina-Chapel Hill.

people_barrow.jpgClinton Barrow, Regional Vice President

One Maynard Drive, Suite 2104
Park Ridge, New Jersey 07656
Phone: (201) 326-4029
Cell: (201) 749-7195
Fax: (201) 474-1969

Clinton Barrow is a credit trained, commercial banking professional with over 30 years of expertise in securing debt and equity, franchise finance and business advisory services.

Barrow is currently a Marketing Vice President at First Franchise Capital Corporation headquartered in Park Ridge, N.J. He is responsible for franchise loan origination in the Northeast region of the country extending from Maine to Maryland. First Franchise Capital Corporation (“FFCC”) is a leader in the franchise restaurant lending industry, specializing in providing loans to franchisees for re-capitalization, re-imaging, new store development and acquisitions. FFCC is a wholly owned subsidiary of First Financial Bank located in Cincinnati, Ohio.

Before FFCC, Clinton was the founding Director at Prestige Consulting Group located in Atlanta, GA. Prestige Consulting Group served as a strategic business partner to entrepreneurs utilizing practical financing solutions and advisory services for their business or strategic growth opportunities.

In 1998, Mr. Barrow became a Managing Director at Peachtree Franchise Finance, located in Atlanta, Ga. with responsibility for large loan originations in the franchise industry. Peachtree originated, securitized and serviced over $400 million in franchise loans during his tenure.

Between 1993 and 1998, Mr. Barrow served as Vice President at Franchise Mortgage Acceptance Company (“FMAC”). Mr. Barrow was a leading force in the company’s loan origination and marketing effort. Mr. Barrow personally originated over $200 million in franchise loans to many seasoned and successful franchisees.

Clinton served as Regional Marketing Manager for AT&T Capital Corporation in Morristown, NJ. He was responsible for franchise loan generation throughout the Northeast and is a Certified 7a Lender for the SBA.

After starting his career at Chase Manhattan Bank in 1982, Mr. Barrow graduated from Chase’s Global Credit Training Program in 1986 and became an Assistant Vice President in the Brooklyn, NY Middle Market Lending Group until 1989. In 1981, Mr. Barrow graduated from the School of Business and Industry at Florida A&M University ("FAMU") with a BS in Management and Finance.