Lindsey Billings


Lindsey started her career as a staff accountant with a local CPA firm specializing in services to Credit Unions. There, her attention to detail and comprehensive understanding of regulations stood out in audit engagements and led her to a position as Chief Financial Officer in one of her Credit Union clients. After leaving the credit union, she ran her own small business accounting and consulting firm where she served as a consultant and outsourced CFO for many small businesses providing accounting, tax, and financial services which included loan packaging and loan term negotiation. When one of her clients planned to expand their business nationwide, she spent several years as their CFO assisting them in implementing their growth strategy and managing the accounting and finance operations in multiple states with a dozen offices and over a hundred employees and thousands of independent contractors. Nine years ago, she decided to focus on government guaranteed lending when the CDC where she served on the Board made an aggressive growth plan. Lindsey spent the next several years originating, underwriting, packaging and servicing SBA 504 loans as well as coordinating with other lenders for borrowers who had financing needs that were not eligible for the SBA 504 program. Over five years ago, her work in this area led to an introduction to the team that now operates under the platform of Madison One. Since that time, she has worked in different capacities with the same team and now manages the Lender Service operations out of an office in Florence, South Carolina. Lindsey is a graduate of Chapman University in Orange, California, where she earned a Bachelor of Science degree in Business Administration, major in Accounting. She has served as board member, treasurer, and advisor to various community organizations in and around her home in Florence.

Lauren Bengert


Lauren Bengert is a Loan Servicing Specialist for Madison One Lender Services with over 15 years of experience in Accounting, Commercial Real Estate, Banking, and Wealth Management. Lauren began her career in New York City with W. P. Carey & Co. LLC as an accountant for the Company’s REITs. There, her responsibilities grew to include managing the finances of both the W. P. Carey Foundation and the Chairman’s private companies. Following her time at W. P. Carey, she served as an investment accountant for Opportunistic Commercial Real Estate Funds at Citi Alternative Investments. Lauren moved back to the Phoenix area in 2007, changing directions at Citigroup as an Associate Banker with Citi Private Bank. At Citi Private Bank, she worked with high net worth individuals to meet their financial needs in various capacities, including general credit and banking, wealth management, and strategic trust and estate planning. In 2011, Lauren had the opportunity to join STORE Capital, one of the nation’s largest and fastest growing net-lease REITs, on the ground floor as a credit analyst. After her time at STORE Capital, Lauren put her diverse set of skills and experience to work in the business community, assisting companies in portfolio management, loan servicing, accounting and driving the implementation of complex accounting systems. Lauren was delighted to join Madison One Lender Services in May of 2018, where she assists in on-boarding loans and monitoring construction draws. Lauren is an Arizona State University graduate with a Bachelor of Science in Accountancy and Computer Information Systems. She is a Certified Public Accountant in the state of Arizona.

Mary Lineback


Mary Lineback joined Madison One Lender Services as Commercial Loan Servicer in January 2020. She brings her 40+ years of expertise in project and team management, accounting, and real estate to the M1LS team. Mary understands Borrowers’ needs because she’s been there before, processing and requesting construction draws, negotiating leases, managing subcontractors, and coordinating with engineers and regulatory agencies. She began her career working to aid a burgeoning Law Firm in Phoenix, Arizona, expand during a rapid growth stage, taking responsibility for employee onboarding and office management. She also performed all accounting functions for the firm, a skillset Mary would carry forward to her future endeavors. Over the next 27 years Mary expanded her repertoire with her involvement in various aspects of multiple Real Estate Development companies. One of her greatest strengths is her ability to serve as an expert liaison between parties, whether in her capacity as a licensed Real Estate Broker or working to connect a client with investors. Mary welcomes the new challenges and opportunities at M1LS where she will be working with borrowers and lenders on all servicing requests. Mary earned an Associate of Science from Indiana College of Business and Technology in Indianapolis, Indiana.

Garrett Handke


Garrett Handke was excited to join M1LS as a Commercial Servicing Processor in August 2020. Garrett’s experience in diverse parts of the small business world has been a valuable addition to our team. He started his career as an Alpine Guide at SWS Mountain Guides in Mt. Shasta, CA. There, he developed intense attention to detail and risk management over the 100+ groups he took on summit attempts. While remaining as a guide seasonally, Garrett entered the finance world as a Staff Accountant and Operations Manager for Timberline Mountain Guides in Bend, OR. There, he developed a rich skill set in accounting and finance, including business automation, customer service, general accounting, and forecasting. His knowledge of business organization, day-to-day operations, and customer’s needs are perfect for servicing our commercial loans. Garrett received his Bachelor of Science degree in Experiential Education and Leadership from Oregon State University in 2014 and spent the next several years teaching Leadership and Health courses as an Adjunct Professor at Central Oregon Community College. He is currently pursuing a Masters of Finance degree with a specialization in Accounting from Colorado State University.


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