Jonathan Parnell · Ex-Merrill Lynch · Global fintech problem solver

I solve complex global fintech problems across travel, hospitality and housing.

Merrill Lynch white-glove service, applied to financing and payments for travelers, hosts and property owners worldwide.

Book a 15-minute call Contact me

98%Close rate on submitted dealsvs. ~65% industry
$50K→$600KGross, 2020–2023Bootstrapped · $0 outside capital
$5Cost per leadvs. ~$500 standard
12xPresident's AwardGlobal Equity Finance

$500M+ career deal volume · about 10 years in real estate and capital financing

Worked with & listed on

My tech stack

Client reviews

What clients say

Debt restructuring · VA benefits
“Jonathan restructured my home finances and debt at the right time for my family, and made my VA benefits transferable to my wife. Professional, transparent and straightforward.”
Pedro C. · Disabled Veteran
Foreclosure · Tax exemption
“When foreclosure threatened our home, Jonathan's team secured my 100% VA disability rating and a lifetime property-tax exemption, saving us $7,000 a year so we could stay.”
Joe A. · Disabled Veteran
Debt consolidation
“Jonathan consolidated two private loans on my New Mexico home, one at 8%, into a lower payment that saves me more than $640 a month.”
J.M.H. · Disabled Veteran
Restructuring
“Jonathan's team made a complex process feel effortless, with simple steps and consistent communication from start to finish.”
Curtis A. · Disabled Veteran
Payment reduction · Debt payoff
“They reduced our monthly payment by more than $400 and helped us eliminate our debt. A difficult process, made remarkably simple.”
B. Pila · Client
Credit-card debt restructuring
“Jonathan's team restructured $250,000 in credit-card debt at 3%, giving our family a clear, sustainable path forward.”
Ira H. · Client

Shortened for length.

Résumé at a glance

Ten years of building and closing

Angel Oak Tree LLC

01/2016 – Present

Principal, Revenue & Capital Strategy · San Diego, CA

Grew gross revenue from $50K in 2020 to $600K in 2023 (12x in three years), with zero outside capital, after founding the company in 2016.
Sustained a 98% close rate on submitted deals against an industry benchmark of about 65% by pre-underwriting every file and enforcing a mandatory stacking order before submission.
Built a lead engine at $5 per lead (vs ~$500).

Earlier career

Global Equity Finance Inc.

01/2012 – 01/2015

Senior Executive, Mortgage Banking · San Diego, CA

Top-producing enterprise sales leader responsible for high-volume complex financing and new market expansion.

Generated $40M+ in real estate fundings while setting company records for pipeline volume and conversion speed (approvals within 7 business days of underwriting submission).
Named Top Unit Producer and Top Volume Producer; Fast Track Champion (8 loans closed in first 2 months).
Drove expansion into new markets (Las Vegas) by building relationships and applying lean process improvements that shortened sales cycles and increased win rates.

12x President's AwardTop Volume ProducerTop Unit ProducerFast Track Champion

Where I started

Merrill Lynch

01/2010 – 01/2012

Investment Banking Associate · Hybrid

Member of the Facebook IPO underwriting syndicate; managed client share allocations in a 27.3M-share tier-1 block.
Sourced $100M in net-new AUM in year one.

President's AwardRookie of the YearLouisville Slugger Award

Education

B.A., English, University of Massachusetts Amherst · 09/1998 – 05/2004 · Study abroad, Granada, Spain

Certifications

Claude 101 (Anthropic, Aug 2026) · Gen AI: Beyond the Chatbot (Google, Aug 2026)

Contact

Let's build what's next

Open to strategy, partnerships and capital-markets roles at fintech and proptech teams.

Contact me Book a call LinkedIn

Emailjonathan@angeloaktreellc.net Phone(619) 324-9663 LinkedInlinkedin.com/in/parnelljonathan CalendarBook on Calendly

Based inSan Diego, CA