NMLS# 244947
5900 Pasteur Court – Suite 210
Carlsbad, CA 92008

About

Consistency You Count On. Care You Can Trust.

For over three decades, AFC has delivered holistic loan and account servicing — from billing and payments to collections, reporting, and support — built on operational excellence, flexible infrastructure, and a people-first ethos that preserves compliance, brand integrity, and borrower dignity.

Who We Are

Built on Experience. Powered by Integrity.

Founded in the early 1990s, AFC began as a niche servicing firm and has evolved into a full-service loan, account, and association servicing partner. Today, we manage sophisticated portfolios for fintech lenders, banks, credit unions, HOAs, and investor-owned entities across the United States and Canada.

Top Workplaces 2025 award
Top Workplaces 2026 award

Advanced Financial Company is proud to be awarded a Top Workplace for both 2025 and 2026! Top Workplace is an employee survey award based solely on employee feedback. AFC is thankful to its employees for the positive feedback and will stay committed to providing a balanced, caring work environment with career opportunities.


Want Compliance You Can Trust? Connect with Us

Our Team & Expertise

Led by Industry Veterans, Driven by People

AFC’s leadership brings deep financial-services experience, operational acumen, and compliance stewardship — guiding the company’s commitment to quality, ethics, and client success. Our teams across operations centers in Carlsbad, CA and Tucson, AZ are cross-trained in servicing, customer service, collections, and compliance — ensuring continuity, redundancy, and excellence across everything we do.

Kyle Kolsky, AFC team member

Kyle Kolsky

Chief Operating Officer

Robert Bucci, AFC team member

Robert Bucci

Director of Compliance & Legal Affairs

AFC team member

Delbert Reed

Director of Operations
Customer Service & Collections

Brianna, AFC team member

Brianna Williams

Director of Operations
Business Systems & Loan Servicing

AFC team member

Michael Bailey

Director of Finance & Accounting

AFC team member

Sabrina Locke-Maston

Vice President of Enterprise Technology

Behind every payment processed, every call resolved, and every report delivered is a team that takes pride in preserving trust, clarity, and long-term relationships.

NEWS HERE

How we do it

Start Protecting and Optimizing Your Portfolio.

We make onboarding simple, efficient, and fully compliant—so you can start seeing value right away. Here’s how we get you up and running

Intake & Compliance Review

We begin by gathering and verifying all required documentation to ensure accuracy and regulatory compliance. Our team carefully reviews your information, confirms requirements, and establishes a complete, audit-ready client profile.

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What this means for you:
  • Secure and accurate data collection
  • Full regulatory alignment
  • A strong, compliant foundation from day one
System Setup & Operational Alignment

Next, we integrate your account into our servicing systems and tailor workflows to your specific needs. From configuring loan parameters to aligning internal processes, we ensure everything is set up for seamless day-to-day operations.

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What this means for you:
  • Customized system configuration
  • Streamlined servicing processes
  • Clear operational structure
Go-Live & Ongoing Support
Once setup is complete, we guide you through go-live with clear communication, defined expectations, and dedicated support. We remain hands-on to ensure a smooth transition and continued success.
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What this means for you:
  • Transparent communication and expectations
  • Dedicated onboarding support
  • Confidence from launch and beyond

Contact our team to explore how AFC can support your portfolio, streamline operations, and safeguard compliance — with the care and excellence you deserve.