Heritage & Leadership

Over 35 Years of Financial Advisory Leadership in Dover

Established in 2010, Angle Financial & Business Services provides an integrated capital and advisory ecosystem for Delaware business owners, commercial real estate developers, and founders.

Dover Foundation

A Single-Source Advisory Ecosystem

Eliminating the costly disconnect between commercial borrowing, corporate credit, risk management, and ultimate business exit.

Most business owners are forced to coordinate with four separate, unaligned parties: a local commercial banker who only offers restrictive loan programs, an insurance agent unfamiliar with balance-sheet transition risk, an accountant focused solely on reducing current-year taxes, and an unvetted broker who lists businesses passively without knowing how to recast Seller's Discretionary Earnings (SDE).

Angle Financial & Business Services was established in Dover, Delaware in 2010 to solve this exact structural failure. Led by founder John Rowley and vice president Kim Rowley, our principals possess over 35 years of individual and combined financial services expertise.

Whether you are preparing to secure $500,000 in working capital, establish $50,000+ in non-recourse corporate credit, or exit a mature enterprise at 100% of asking price, our Dover team manages every phase of the business lifecycle under strict fiduciary confidentiality.

Angle Financial and Business Services Dover Delaware office on Walker Road

Dover Commercial Headquarters

Located at 846 Walker Road, Suite 31-2, Dover, DE 19904. Strategically situated off Route 8 and DuPont Highway serving Kent, New Castle, and Sussex counties.

The Leadership Team

Direct Principal Involvement in Every Engagement

Meet the seasoned Delaware advisors guiding your capital strategy, valuations, and M&A transactions.

John Rowley

President & Founder

30+ Years Financial Experience

Founder of Angle Financial. Certified Business Value Builder Guide, licensed commercial broker, licensed insurance agent, and mortgage originator. Over his three-decade career, John has personally structured tens of millions in commercial financing facilities and closed high-stakes Delaware corporate exits. He lives in Dover with his wife Kim and their family.

Value Builder Guide · Certified Business Broker

Kim Rowley

Vice President of Operations

30 Years Insurance Experience

Directs daily firm operations, commercial policy underwriting, compliance filings, and transaction closing logistics. With 30 years in property and casualty risk mitigation, Kim ensures that every corporate client balance sheet and personal estate is insulated against third-party liabilities.

Underwriting Administration · Corporate Operations

Jared Rowley

Business Broker / Realtor

Commercial & Real Estate Brokerage

Former collegiate baseball athlete at Keystone College, Jared brings rigorous deal preparation, competitive negotiation, and client advocacy to business brokerage, commercial property acquisition, and residential disposition across Kent and Sussex counties.

Licensed Realtor · Priority Buyer Agency

Kylie Harman

Licensed Insurance Agent

5+ Years Advisory

Earned her Bachelor of Science in Business Administration (BSBA) in Business Management from West Virginia University (WVU). Kylie specializes in commercial liability, workers' comp, and personal line insurance structures for Delaware families and enterprise owners.

WVU BSBA · Multi-State Licensed Agent

Operational Support: Liezel Castro (Virtual Operations & CRM Administration) & Lila (24/7 Digital Intake Support).

Headquarters: 846 Walker Road, Suite 31-2, Dover, DE 19904

Institutional Partnerships

The CPA, Attorney & Realtor Referral Program

We partner with commercial realtors, CPAs, wealth managers, and business attorneys whose clients require business valuation or exit representation.

10% Gross Commission Share

Direct Financial Partnership

When you introduce a business owner seeking to sell, recapitalize, or value their operating business, Angle Financial handles all aspects of CIM preparation, valuation defense, confidential buyer marketing, and closing. Upon escrow settlement, you receive a 10% share of the gross commission earned.

Target Referral Profile:
Operating businesses generating $500,000+ in annual revenue with owners contemplating retirement, health transitions, or partner buyouts within 1 to 120 months.

4-Step Partner Workflow

1. Confidential Introduction: Submit client details via our secure referral portal or direct phone consultation.
2. Discovery & Diagnostics: Angle conducts an initial confidential diagnostic scan with the owner.
3. Valuation & Market Timing: We formalize certified appraisal and marketing positioning.
4. Escrow Settlement & Payout: You receive your 10% commission split immediately upon deal closing.

Submit Referral: (302) 735-7526

Corporate Governance

Engagement Terms & Privacy Disclosures

Transparent fiduciary disclosures governing certified valuations, advisory retainers, and client privacy.

Certified Business Valuation Terms

The Certified Business Valuation fee of $4,995.00 is a flat engagement fee, strictly non-refundable once documents are submitted due to immediate proprietary financial recasting, database access costs, and reserved analyst hours. Standard delivery timeline is 48 to 72 business hours upon receipt of all required tax returns and P&L records.

Brokerage Success Fees & Retainers

Standard business brokerage representation operates on a 10% success fee on the gross transaction price, payable at escrow closing under an executed listing agreement. Value Builder exit coaching retainers ($2,500/mo DIY, $7,500/mo Elite) are non-refundable and require 60 days' written notice for termination. Priority Buyer retainers ($10,000) are credited 100% against the 5% buyer closing fee.

Confidentiality & Privacy Notice

All client financial records, personal tax returns, debt schedules, and customer metrics submitted to Angle Financial & Business Services are protected under strict fiduciary non-disclosure protocols and stored in encrypted corporate environments. In compliance with Delaware law and applicable state privacy acts (including CCPA), client information is never sold, leased, or distributed to non-affiliated third parties without express written authorization.