With a 20+ years executive background in international business, marketing, and advertising for many of the Fortune 500 global consumer goods corporations, Ralf is now - since 2002 - one of the two principals and the CEO of Multiple Funding Solutions, Inc., a privately held and Florida based business financing company, servicing new and established small businesses within the B2B sector on a national level.

Multiple Funding Solutions, Inc. specializes in Accounts Receivable Financing and Purchase Order Funding and - via a broad network of financing partners - also provides access to other creative business financing solutions, all of them geared towards the acceleration of a company's cash flow and ultimate growth.

Together with his wife - and current business partner Flor - Ralf is the 2006 co-recipient of the American Cash Flow Association's President Award for outstanding industry contribution and representation.

In 2003, after only 10 months in business he already qualified to become a member of their Million Dollar Club.

Today, Ralf is President of ACFA’s national Internet chapter (the “i-chapter”), Vice President of the local ACFA Chapter of the Palm Beaches, and ACFA’s first Master Consultant for Marketing.

He is the published author of the book “Marketing Magic – The Bigger Bang for the Smaller Budget”, and the developer of “The Marketing Resource Kit” for Consultants and Micro-Factors.

He is also a popular speaker at the annual Cash Flow convention (about 3,000 - 4,000 attendees each year) and a frequent writer for the ACF Journal with a circulation of 18,000 and growing.

Since early 2006, Ralf became one of the co-founders and instructors of The MircroFactor Academy, where interested investors-to-be are trained and taught how to run their own micro-factoring business.

He also teaches classes on alternative business financing, is a marketing instructor for a local SBA sponsored Business Development Center in South Florida, and serves on the Board of Directors of a local transportation and construction company in South Florida.

For the past three years in a row Ralf has received the "You made the Difference" award from a local Micro-loan lender for his outstanding contributions to their small business incubation and development programs.