James Pepio

James Pepio is the Founder and CEO of E Business Solutions, bringing over 20 years of experience across commercial and residential lending. Throughout his career, James has developed deep expertise in SBA loans, business lines of credit, term loans, equipment financing, merchant cash advances, and alternative lending solutions, allowing him to structure financing strategies that go far beyond traditional, one-size-fits-all lending models. 

As Founder and Principal of E Business Solutions, James has facilitated over $600 million in funded capital, helping hundreds of small and mid-sized businesses across diverse industries secure the resources they need to grow, stabilize, and scale. His strength lies in credit analysis, deal structuring, lender placement, and risk assessment, enabling higher approval rates and more sustainable financing outcomes for clients nationwide. 

James is also known for building and scaling high-performing sales organizations, with extensive experience in recruiting, training, compliance oversight, KPI management, and call-center operations. His approach is rooted in transparency, ethical lending practices, and long-term relationship building—earning him a reputation as a trusted advisor rather than a transactional broker. 

A U.S. Marine Corps veteran, James brings disciplined leadership, accountability, and mission-focused execution to both business operations and client service. His commitment is simple: help business owners access capital intelligently, responsibly, and with a clear path toward long-term success.