Our Expertise

Pivotal Capital Group is deeply experienced in real estate lending.
Our success is rooted in the expertise of its two principals, Brad Rust and Joe Gigliello.
Together they have been financing real estate for 45+ years.


Joe Gigliello

Joe has been active in real estate finance and lending for more than 25 years. Co-President of Pivotal, Joe’s expertise spans a variety of industry sectors, including joint venture financing, A&D and construction lending, as well as mezzanine lending. Prior to forming Pivotal, Joe served as managing director for GMAC ResCap. He also served as both a loan officer and project manager for Prudential Home Building Investors and several other private lenders throughout his career. Joe is a licensed broker by the California Bureau of Real Estate (License ID 00928813).

Brad Rust

Brad brings more than 20 years of diverse real estate finance and lending experience to his role as Co-President of Pivotal. Brad’s expertise is in both institutional and private lending. Prior to forming Pivotal, Brad served as business development officer for a Denver-based private real estate lender. During his career, he also served as a relationship manager with GMAC ResCap, and a senior analyst and investment officer at Heller Financial in Chicago, IL. Brad is a licensed broker by the California Bureau of Real Estate (#01525067).


Bo Everett

Vice President of Originations
Bo brings over 11 years of diverse real estate experience to Pivotal. This includes originations at small commercial bank, as well as a capital markets analyst and loan originations for one of the longest standing investment banking brokerages in Los Angeles. With a deep understanding in a various asset types, Bo brings both a creative and institutional background to Pivotal. In his free time, Bo is active in the youth sports community where he coaches in local and regional lacrosse programs in Southern Los Angeles.

Julian Garcia

Vice President of Originations
Julian brings over 20 years of real estate finance and brokerage experience to Pivotal. He previously worked with financial institutions and led a mortgage banking firm specializing in non-traditional finance. He has diverse skill sets and expertise in finance structure encompassing both institutional and private lending. Julian is a licensed broker by the California Bureau of Real Estate (License ID 01291356).



Blair O’Brien

Vice President of Originations
Blair brings five years of Real Estate experience in California. Previously, she spent several years in an origination role where she was responsible for sourcing and underwriting residential fix and flip and construction loans. Blair’s experience also includes analyzing and underwriting acquisitions at the Los Angeles Trustee Sales for a wholesale Real Estate investment firm and other private investors.

Michael Ricigliano

Vice President of Originations
Michael brings over 30 years of real estate finance, sales, development, and mortgage brokerage experience to Pivotal. His varied and diverse set of skills have been focused in the Southern California market. In addition to leading a mortgage originations firm, Mike’s background includes flipping and building residential single family homes.


Eric Kang

Eric Kang

Vice President of Originations
Eric has over 10 years of working experience in the real estate industry in the fields of acquisitions, multi-family valuation, sales, and loan originations. He graduated from USC with a degree in Business Admin, emphasis in real estate finance, and always had passion for real estate. His diverse skillset in the industry allows him to successfully assist real estate investors in finding solutions for many different, challenging scenarios.


Laura Duarte

Laura has more than 15 years experience in real estate investment, finance and lending with emphasis in financial supervision and accounting for distressed debt investments as well as portfolios of office and residential properties. Prior to Pivotal, Laura served as controller of The Picerne Group (TPG), a privately held real estate investment and development firm, where she was responsible for the financial oversight of a large portfolio of non-performing loans, investment entities and multi-family residential properties. Prior to TPG she served as assistant controller of Century Financial Group, Inc., a private mortgage lender and as accounting manager of several private firms.



Michelle Espinosa

Senior Accountant
Michelle brings over 15 years of accounting experience to Pivotal with an emphasis in real estate investment for over 9 years. Most recently, she worked as a Senior Accountant for 7 years at The Picerne Group, a privately held real estate investment and development firm, where she was responsible for the accounting and financial analysis of various multi-family residential properties and investment entities. She also brings experience working as an Accountant in the Banking and Mortgage industries.

Matt McCarthy

Vice President of Originations
Matt has over 13 years experience in real estate and finance, encompassing underwriting, valuations, sales, title, default, asset management, and software. Prior to joining Pivotal, he worked with national loan servicing organizations, a global investment management firm, and as a real estate agent serving buyers, sellers and investors in southern California.



Carla Fredrick

Loan Administrator and Processor
Carla has over 20 years experience as a paralegal and title analyst. She has worked extensively on a variety of legal matters across a wide spectrum of the real estate industry, including significant exposure to REO. Prior to joining Pivotal, she worked with numerous real estate law offices and title companies both on the east and west coasts.

Courtnie Sames

Loan Administrator and Processor
Courtnie has over 8 years experience in real estate, primarily as a transaction coordinator. She has worked extensively on both the acquisition and disposition sides of the business, including exposure to short term residential renovation properties. Prior to joining Pivotal, she worked with numerous real estate investment and brokerage companies in Southern California.


Michael Jorgensen

Senior Loan Underwriter
Michael joins our team having just graduated from Cal Poly Pomona with a B.S. in Business Administration. His coursework included significant exposure to finance and real estate. His work experience includes internship with a financial services organization.

Matthew Lake

Loan Underwriter
Matthew joins our team having graduated from UCLA with a B.A. in Economics. His coursework included exposure to finance and accounting. His work experience includes time spent in commercial real estate valuations where he was responsible for analysis, research, and reporting..

Matthew Lake Photo