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Featured Advisor

Anthony saya


  • AAS, Business Administration

Practice Area

New York


  • Government Guaranteed Loan Programs such as SBA 7a, SBA 504
  • USDA B&I Programs
  • NYSERDA Loans
  • Change Of Ownership Lending
  • Commercial Real Estate Lending
  • Hospitality Lending


  • Rutgers University, Stonier Graduate School of Banking
  • Onondaga Community College

What You May Like to Know About Me

After 44 years of a successful career in Commercial Banking, Tony Saya has founded Cardinal Capitol Advisors LLC.

Cardinal Capitol Advisors provides capital management consulting services to Small and Medium Size businesses.

During the last ten+ years business acquisition financing has become a specialty niche that Tony has become very actively involved with. Very often this type of financing transaction could include tangible assets – like real estate, equipment, inventory, accounts receivables, inventory etc. In addition intangible assets like goodwill, customer lists are also very often a part of the change of ownership transaction.

Tony networks with lenders, financial intermediaries, buyers and sellers of businesses, family owned businesses seeking to diversify ownership, and companies that are interested in capital formation using government programs.


What People Are Saying

I would recommend Tony, he is very precise in his evaluation of the strength of businesses and follows through with what he says he is going to do. Very knowledgeable about commercial and SBA loans and is very helpful in structuring the loan to best help the client’s needs.

Larry J Nephew

Sr. Outside Sales Account Manager

I have known Tony for almost 20 years. Tony is banking professional with vast experience in all type of commercial lending and is a true lending professional! He knows what makes an investment deal possible and how to help get it done. Tony has decades of experience with the US Small Business Administration loan programs. He can also quickly identify a deal which is unlikely to be approved. What better service is there?

Patrick Mucci

Vice President Business Banking

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