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Call Us Today! (901)413-5440



First Management Consulting, LLC (FMC) is a Florida headquartered firm. Which has an extensive client base in the Mid-South.  Our President and principal consultant is William (Bill) Lucado.
FMC is a long established independent consulting firm working with banks and businesses to provide cash flow improvements for non-retail businesses.
For Banks:
We offer a method of allowing the bank to secure account receivable financing or inventory financing for their clients. The banks retain the relationship and we secure the services from a referral partner that is not a competitor to the bank.
For Businesses:
We work to secure highly competitive and service oriented accounts receivable financing and asser based lending. We do this with our specialized referral partners.
Our ability to provide these services is based on the extensive banking and asset based lending experienced of our staff.
Bill Lucado is President of First Management Consulting, LLC (FMC) a business advisory and Venture Capital Services Company. He has headed First Management for over 14 years.
Bill Lucado has senior bank, corporate finance, investment management and payment services experience.  He also was Chairman of Black River BancVenture, Inc., a financial services investment company from 2007 to 2012. Previously, he was President of EFS Federal Savings Bank and Chief Investment Officer and Chief Compliance Officer of Concord EFS (the holding company).  He served as a consultant to numerous banks and was in charge of starting two new banks.  He has extensive senior management, planning and compliance experience.  Consulting clients have ranged in size from governmental entities (e.g. Commonwealth of Puerto Rico) to regional and community banks.  He has served as a director of several financial services firms.
BA in Economics with Honors from Rhodes College
MBA from Michigan State University
Army officer, Vietnam War service
Specialties:  Financial services; factoring and specialized finance, corporate finance, investment management, venture capital management, strategic planning, corporate turnaround/profit improvement, and payment services.



Whether you need help with any type of financing, payment services, or strategic planning; our professionals can help. Our services include assisting your company with the following:

  • Accounts Receivables Financing 
  • Factoring 
  • Merchant Cash Advances 
  • Merchant Credit & Debit 
  • Asset Based Lending 
  • Subordinated Debt 
  • Senior Debt

    Contact Us

    Give us a call today to find out what we can do to help you manage and improve your business. Our experts are ready to help you stress less.


    Call Us Today At ♦ (901) 413-5440