Christopher M. Garcia
CEO & Chief Investment Officer
Mr. Garcia is the Chief Executive Officer of Wilshire Quinn Capital, Inc. and the Chief Investment Officer of the Wilshire Quinn Income Fund, LLC. Mr. Garcia oversees all aspects of the Fund’s day-to-day operations, including loan acquisition, underwriting, and investor relations.
Mr. Garcia formed Wilshire Quinn Capital in 2004, with the vision of offering a diverse range of world-class investment products for his firm’s clients. Mr. Garcia launched the Wilshire Quinn Income Fund in September 2011, seeking to offer new and existing clients an investment product secured by real estate with low correlation to the equity and bond markets. Under his leadership and guidance, the Fund has realized high single digit returns on an annual basis, without any monthly drawdowns, and without the use of leverage.
Mr. Garcia continues to outperform the overwhelming majority of credit and fixed income funds, both domestic and international, by employing a customer-first mentality and disciplined asset-based investment approach. During his 19-year career as CEO, Mr. Garcia has fostered numerous relationships with investors, borrowers, bankers and financial professionals. The leadership teams he manages are strategic and focused on creating value for their customers.
Mr. Garcia resides in San Diego with his wife and their three children. He supports various organizations in Southern California, including The San Diego Foundation, The Ocean Institute, The High Country Boys and Girls Club, and his alma mater Loyola High School.
Mr. Garcia received his bachelor’s degree from the University of California, Los Angeles (UCLA) and his MBA from Pepperdine University.
Matthew is the Managing Director at Wilshire Quinn and has been involved in all phases of the Fund’s growth since joining the firm in 2012. Matthew is principally responsible for capital raising and investor growth opportunities, as well as new loan originations. Matthew also plays an integral role in forming the Fund’s sales and marketing strategies.
Prior to joining Wilshire Quinn, Matthew worked for the multinational marketing company Publicis Groupe in San Francisco and nationwide small business lender Reliant Funding in San Diego.
Originally from the Bay Area, Matthew currently resides in downtown San Diego and is a frequent beachgoer and sports enthusiast. He supports various local organizations, including the Salvation Army and Wounded Warrior Project.
Matthew graduated from the University of Hawaii’s Shidler College of Business with a bachelor’s degree in finance, and earned his MBA from the University of Mississippi.
Chief Administrative Officer
Emily joined Wilshire Quinn in 2021 and is responsible for transaction processing, tracking the Fund’s cash flows, and communicating with borrowers and investors. She also manages investor files and activity, performs data validations, reviews financials, manages the annual audit, and ensures day-to-day operations run smoothly and efficiently.
Emily began her career in the tax and accounting industry and continues to utilize that knowledge in her daily role at Wilshire Quinn.
Originally from the Bay Area, Emily currently resides in downtown San Diego and enjoys taking her dog to the beach in her spare time. Emily supports Goodwill Industries and the San Diego Humane Society.
Emily graduated from San Diego State University, where she earned her bachelor’s degree in psychology.
Senior Loan Originator
Jeremy joined Wilshire Quinn in 2018 and is responsible for sourcing new loan opportunities for the firm by establishing and maintaining broker and borrower relationships. His efforts directly drive the expansion of Wilshire Quinn’s borrower network.
Jeremy began his career in the lending industry in 2012, originating loans for nationwide lenders, Citigroup and Freedom Mortgage, in their personal loan and home mortgage divisions. With the experience and knowledge garnered in his previous endeavors, he has been a valuable contributor to the Wilshire Quinn team.
Originally from Maryland, Jeremy currently resides in San Diego, where he is an active member in several athletic communities in the area. He is also passionate about helping the local homeless community through his support of the Alpha Project in San Diego.
Jeremy graduated from West Virginia University, where he earned his bachelor’s degree in business, communications, and economics.
Senior Loan Coordinator
Randy joined Wilshire Quinn in 2021 and is responsible for overseeing the coordination of loans and data collection during the underwriting process. He works closely with borrowers, brokers, title officers, escrow agents, and appraisers to ensure loan transactions close quickly and efficiently. Additionally, Randy oversees the servicing of Wilshire Quinn’s existing loan portfolio, working closely with our loan servicer and borrowers post-funding.
Randy has had a distinguished management career in distribution and logistics, with over 25 years of combined experience with global companies such as Newell Rubbermaid, Jarden Home Brands, and DHL.
Originally from Iowa, Randy currently resides in San Diego and is an avid outdoor and sports enthusiast. Randy supports various organizations, including the American Cancer Society, Cystic Fibrosis Foundation, and Wounded Warrior Project.
Randy graduated from Iowa State University, where he earned his bachelor’s degree in psychology.
Natalie joined Wilshire Quinn in 2022 and is responsible for overseeing and establishing investor accounts, expanding our investor network, and building Fund awareness. Her role also extends to managing marketing campaigns and business development efforts.
Natalie began her career with Wilshire Quinn, where she swiftly grasped the intricacies of the financial environment and continually grows in her role, contributing to the team’s success.
Originally from Los Angeles, Natalie currently resides in San Diego and enjoys playing beach volleyball in her spare time. Natalie is also passionate about her support of San Diego Coastkeeper and the Down Syndrome Family Resource Center.
Natalie graduated from the University of San Francisco’s School of Management, where she earned her bachelor’s degree in business administration and management.
Chad joined Wilshire Quinn in 2023 and is involved in all phases of the real estate and loan underwriting process, including potential acquisitions and data driven financial analysis. With an emphasis in valuations, Chad provides the firm with the capability of analyzing complex transactions that require rapid solutions to income and asset based real estate.
Chad brings over 20 years of real estate experience to Wilshire Quinn, with an estimated $9B in total real estate acquired and managed throughout his career. Prior to joining Wilshire Quinn, Chad served as Portfolio Manager for venture capital fund, Kondaur Capital. He also spent a large portion of his career as the Director of Acquisitions for Pinnacle Realty Management Company.
Originally from Pasadena, Chad currently resides in Westlake Village, and enjoys golfing and hiking in his spare time. Chad supports various organizations, including the Juvenile Diabetes Research Foundation and Tunnel to Towers Foundation.
Chad graduated from Point Loma Nazarene University, where he earned his bachelor’s degree in business communications with a minor in finance.