Vipul Kapadia began his banking career while attending Cal State University, Fullerton; where he transitioned into a full-time role and advanced into branch management at Wells Fargo. Vipul later joined U.S. Bank, where he served as a Branch Manager for more than a decade, developing expertise in retail banking, client relationship management, and team leadership.

In late 2012, Vipul accepted an opportunity with Manufacturers Bank, now part of SMBC Americas, where he played a key role in launching and expanding a new franchise lending vertical. During a more than 12 years with the organization, Vipul helped grow the franchise lending portfolio, built strong relationships across the industry, and contributed to the division's long-term success. Vipul joined Auxilior Capital, a privately held commercial finance company based in Philadelphia, to seek a more entrepreneurial environment.

Building on extensive experience in franchise finance and passion for the restaurant industry, Vipul later transitioned to Pinnacle Capital Restaurant Finance. In the current role, Vipul works with a diverse range of restaurant franchise concepts, collaborate with multiple lending partners, and provide customized financing solutions that help franchise owners and operators achieve their growth objectives. This role combines the industry expertise with the flexibility to navigate an evolving lending landscape while delivering value to clients across the franchise sector.