We explore, innovate, break new ground and are always growing. Have a peek at what makes us the best!

Our People

  • 46% live in the neighborhoods we serve
  • 55% are involved in volunteer work
  • 86% like spicy food
  • 59% would wear shorts over pants
Our Culture
Our Leadership
  • Steve Joung

    President & Co-Founder - Pangea Real Estate
    About Steve
  • Pat Borchard

    Chief Financial Officer
    About Pat
  • Pete Martay

    President & CEO - Pangea Properties
    About Pete

Steve Joung | President & Co-Founder - Pangea Real Estate

Steve co-founded Pangea Properties REIT and Pangea Equity Partners (“Pangea”) in 2009. He currently serves as President & Co-Founder of Pangea Real Estate, which owns and operates over 13,000 apartment buildings throughout Chicago, Indianapolis and Baltimore. From 2005 to 2009, Steve served as COO at CashNetUSA.com, until its eventual sale to Cash America International (NYSE: CSH) in 2009. CashNetUSA had revenues of $200MM and 500 employees upon Steve’s departure. Prior to his start-up career, Steve worked at GE Capital Commercial Finance. Steve holds an undergraduate degree from the University of Illinois at Urbana-Champaign. He also serves on the Board of Directors for Chicago-based AvantCredit.com and is an active investor in several other start-ups. In his free time, Steve enjoys snowboarding and other outdoor activities, as well as spending time with his family.

Board of Directors
  • Al Goldstein

    Co-founder & Executive
    Chairman of the Board
    About Al
  • Norman Bobins

    Board Member
    About Norman
  • Errol R. Halperin

    Board Member
    About Errol
  • James Reynolds Jr.

    Board Member
    About James
  • Eric M. Rychel

    Board Member
    About Eric

Al Goldstein
Co-founder & Executive
Chairman of the Board

Norman Bobins
Board Member

Errol R. Halperin
Board Member

James Reynolds Jr.
Board Member

Eric M. Rychel
Board Member

Al Goldstein is the co-founder and CEO of AvantCredit.com, one of the fastest growing national online providers of consumer loans. By utilizing advanced algorithms and machine-learning capabilities, AvantCredit offers a unique and highly customized approach to the personal loan process.

After securing more than $500 million in funding, AvantCredit was the most funded company in Chicago in 2014. The company has issued more than 90,000 loans operating in 46 U.S. states and in the United Kingdom under the brand SpringCoin.co.uk.

Prior to AvantCredit, Al co-founded Pangea Properties, a private REIT invested in distressed and value-add multi-family properties in the Chicago, Indianapolis and Baltimore markets. Al was co-founder, President and CEO of CashNetUSA, now Enova International, from 2004 until 2008, after selling to Cash America International in 2006. Prior to that, he was part of Deutsche Bank’s Leveraged Finance practice in New York and worked on various secured and unsecured leveraged debt transactions. Al is also an active member of the Young Presidents Organization (YPO) and America Israel Public Affairs Committee (AIPAC) and spends time mentoring young entrepreneurs. He received a Bachelor of Science in Finance with a Mathematics Minor from the University of Illinois where he graduated with High Honors and is a CFA charter holder.

This is a unique website which will require a more modern browser to work! Please upgrade today!