Our Team

Capital from people who pick up the phone.

Bell Rock Finance is built and run by operators-turned-lenders. Talk to the people writing the check.

Lincoln Gardner
Co-Founder & Principal

Lincoln Gardner

Lincoln is a co-founder and Principal at Bell Rock Finance where he jointly oversees all aspects of the firm’s operations. Prior to co-founding Bell Rock Finance, Lincoln worked with Boomerang Capital Partners. Before that, Lincoln was an Associate Director at UBS in its Investment Banking Division, where he focused on fundraising and fund advisory for private equity fund sponsors. He received a BS in Finance from Brigham Young University.

Spencer Owens
Co-Founder & Principal

Spencer Owens

Spencer is a co-founder and Principal at Bell Rock Finance where he jointly oversees all aspects of the firm’s operations. Prior to co-founding Bell Rock Finance, Spencer worked with Boomerang Capital Partners for 8 years, most recently as Director of Lending Operations. Before that, Spencer opened the Arizona office for Cornerstone Wealth Management where he raised investor capital and consulted with new clients regarding their investment portfolios. He was previously a Manager at Deloitte and a Business Analyst with Intel Corporation. He received a BS in Information Systems from Brigham Young University.

How we work

The Bellrock Difference

Direct access

You speak with decision-makers, not gatekeepers. No broker chains, no committee delays.

Operator-first

We were operators before we were lenders. Our team has lived through the timelines you live with.

Honest quotes

No teaser rates, no surprise fees. The number we quote is the number you close at.

Talk to the team.

Have a deal in motion? Get a quote in 24 hours from the people who'll close it.