About Us



Small business makes up 99% of all companies in the United States. Sadly, research shows that if a business generates less than $5 million in annual gross revenue, there’s an 80% chance that small business will be declined by their own bank. Fortunately, our financial market is teaming with creative finance resources. Everstream Capital is a powerful puzzle piece that connects capital to every kind of entrepreneur’s business opportunity. Our mission is to connect capital to business opportunity.


The American banking system is the beating heart of our national business community. Everstream Capital seeks to partner with community banks who desire to expand their deposit relationships even to businesses that are currently outside a bank’s credit model. Even now, 70% of Everstream Capital’s deal flow is referred to by our network of bank small business, commercial, SBA, and middle market lending professionals. Everstream Capital can guide such businesses to alternative finance sources while our bank partners can still open a new deposit or fee based service relationship or maintain a current bank relationship with such businesses.

Everstream Capital’s vision is to one day house a business finance consultant inside a community bank’s branch to work with their commercial, small business, or SBA lending teams to expand finance to small businesses throughout our shared community.


Everstream Capital is a Texas based limited liability company created in July 2017. It’s structured as an ISO business finance consulting firm. Approximately 70% of our deal flow is referred to us by our extensive network of bank small business, commercial, middle-market, and SBA lending professionals. Nestled in New Braunfels, Texas, we are between San Antonio and Austin. That I-35 corridor represents some of the fastest growing geographical area in the United States.

Our Team

Joe A. Landin Jr.

President / Business Finance Consultant

Joe Landin is a 1989 graduate of Texas Tech University. Joe’s career consisted of nearly 13 years in the railroad transportation industry working as a switchman, brakeman, and then locomotive engineer for the Port Terminal Railroad Authority, Southern Pacific Lines, and finishing his career in 2004 with Union Pacific Railroad. Between 2004 to 2016 Joe had a very successful career as a branch manager and financial advisor at Wells Fargo, JP Morgan Chase, Regions Financial, and BBVA Compass Bank where he was a three times Pinnacle Club winner.

Almighty God blessed Joe with Lori A. Landin; his precious wife of nearly 20 years. They have four beautiful children, two gorgeous granddaughters, and a cute, cuddly shi-pooh named Winston.