The financial crisis of 2008 was steeped in uncertainty and strife. In this maelstrom, however, opportunity and entrepreneurism led me to found Cascade365. I had a young family and was recently out of a job, pondering next steps after selling my previous company, Glass Mountain Capital, LLC. 

I decided to stay in the business of AR management and finance and to build a company that not only provided best in class, bespoke AR liquidity solutions but that also embodied the ideals and values that were (and are) near and dear to my heart.

As Cascade365 celebrates its 15th year of existence, a quick and heartfelt THANK YOU to the people (team members, clients, and partners) that helped make it happen and a quick reminder of the value system that is the engine of Team Cascade365.




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Several Cascade staff members from our Tempe office ran in The Mesa Marathon presented by Mountain Vista Medical Center.

The smooth downhill courses through breathtaking scenery offer the perfect opportunity for a BQ or PR. With a marathon, half marathon, 10K, and free Kids 1K, there is something for everyone at this Arizona favorite.

Race day is all about the runner, from industry-leading shirts and medals to unmatched course support and the best finish experience to be found.

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Ray S. Vincioni,
General Manager of our Tempe Call Center

Ray has been with Cascade since May 2022. His current role is General Manager of our Tempe, Arizona call center with the responsibility to grow and maintain the productivity of the collection floor for Cascade Receivables Management.  Ray currently manages 23 employees.

My past consists of the guitarist of a national touring Raggae Rock band, nationally ranked table tennis player, mascot for the University of New Mexico “Louie Lobo”, New Mexico State Golden Champion, Muay Thai kickboxer. I am happily married for 10 years to an incredible woman, Kase, who has given me strength, confidence and courage in ways I never had before.  I am a proud father to my daughter, Desiray, and even prouder “Nono” to my granddaughter Isabella. I have two incredible older sisters and two amazing older brothers. I love golf and hope to travel aimlessly around the country after growing this wonderful company I recently became a part of.

Since February is celebrating the month of love, I think it is appropriate to bring up my relationship with my mother, Mary Rose. My father passed away when I was a senior in high school and she has been the one who has shown me the best ways of unconditional love.  Not just towards myself, but the ways of spreading a loving gesture to those who she will never even meet. She is now 87 years old. For the past 10 years or so, she has dedicated her days hand making rosaries to hand out to hospitals and airline agents to give to the military members that come across their path. Just one example of touching the lives of others . I consider myself the luckiest man to have been raised and taught the meaning of love by her.  At the end of the day, calling me a Mama’s boy is okay by me!

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Cascade365 Accounts Payable Clerk, Joyce Manriquez
welcomed her granddaughter, Inara Jade Padilla on Feb 18, 2023 who weighed in at 5.7 pounds and 18 inches long.

From Joyce, “After a very rough pregnancy from my daughter Taylor who lives in San Antonio, TX, they had to induce labor at almost 37 weeks to prevent a stillbirth. After three days of labor, this beautiful precious baby was finally born. My daughter and son-in-law are just over the moon, and all are well! I am so thrilled that I was able to fly out to TX and be with the family.”

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Cascade365 Agency Award Winners 

During the Receivables Management Association International (RMAi) Conference in Las Vegas earlier this month, Cascade365 held their annual collection agency meeting where updates were shared, food and cocktails were served, and award winners were announced based on results from the 2022 calendar year.   

Below are the agency award winners and we cannot be more thankful for all the agency partners within the Cascade365 network.

Central Portfolio Control, Inc.

Superlative RM

Elevate Recoveries, LLC

Ability Recovery Services, LLC 

Klima, Peters & Daly, P.A. 

FBCS, Inc.

The Cascade365 Family of Companies is a brand identity representing a family of companies focused on the responsible liquidation of accounts receivable. Headquartered in the San Francisco Bay Area, Cascade365 is a recognized leaders in the accounts receivable management, revenue cycle and specialty finance industries. Cascade365 offers healthcare providers and consumer lenders immediate and ongoing liquidity by purchasing distressed accounts receivable outright or managing them for a fee.