the declarations. podcast with Host Todd S. Rich

Jack Dwyer, CEO of Capital Funding Bancorp, Inc. and CFG Bank and Host Todd S. Rich, Co-Founder & Partner of Declaration Partners

Aug 13, 2025

Jack Dwyer, CEO of Capital Funding Bancorp and CFG Bank, shares his inspiring journey from accountant to entrepreneur, emphasizing his deep-rooted family values and commitment to community. He elaborates on his innovative healthcare financing model and how he successfully navigated economic downturns, including the pandemic. Dwyer's passion for philanthropy shines through as he discusses his workforce development initiatives aimed at combating systemic poverty and creating healthcare jobs, demonstrating the profound impact of business on community revitalization.

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ANECDOTE

Family And Football Shaped Leadership

Jack describes growing up in New Jersey with two brothers and competitive sports shaping leadership instincts.
A high-school football coach publicly challenged him to step up and it changed how he approached leadership.

ANECDOTE

Transition From Accounting To Healthcare Lending

Jack explains taking an accounting job at a bank holding company and moving into its healthcare lending subsidiary.
That experience introduced him to HUD-insured mortgages and inspired his career focus on healthcare finance.

INSIGHT

Single-Purpose Assets Create Niche Opportunity

Nursing homes are single-purpose, hard-to-repurpose assets which scares conventional lenders.
That lack of capital created an opportunity for specialized lenders comfortable with reputational and operational risk.

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In this episode of declarations., Host Todd S. Rich sits down with Jack Dwyer, CEO of Capital Funding Bancorp, Inc. and CFG Bank, to explore his journey from accountant to founder of Capital Funding Group and owner of CFG Bank. Jack shares how his early years in New Jersey, family values, and a passion for entrepreneurship shaped his approach to business and leadership. The conversation covers the evolution of his one-stop shop model for healthcare financing, his strategic expansion into banking, and how he navigated challenges like the financial crisis and COVID-19. Jack also discusses his commitment to Baltimore’s community and his innovative philanthropic efforts through the Jack and Nancy Dwyer Workforce Development Center, aimed at solving systemic poverty and creating healthcare jobs.

They discuss:

How Jack transitioned from accounting into healthcare lending and entrepreneurship
The creation and growth of Capital Funding Group and its integrated financing model
Strategic decisions behind acquiring and scaling CFG Bank
Navigating healthcare and real estate finance through economic downturns and the pandemic
Philanthropic initiatives focused on workforce development and community revitalization

This episode offers valuable insights for entrepreneurs, investors, and community leaders looking to build impactful businesses while giving back.

Links:

Declaration Partners: https://www.declarationpartners.com/

Todd Rich on LinkedIn: https://www.linkedin.com/in/todd-s-rich-6a091333/

Capital Funding Group: https://www.capfundinc.com/

Unreasonable Hospitality by Will Guidara: https://a.co/d/3MYh3pq

Topics:

(00:00:00) - Intro
(00:03:44) - Jack's early life and career beginnings
(00:09:11) - The birth of Capital Funding Group
(00:10:34) - Navigating the real estate recession
(00:14:05) - Understanding HUD-insured mortgages
(00:18:38) - Building a one-stop shop for healthcare financing
(00:23:07) - Acquiring CFG Bank during the financial crisis
(00:28:46) - Founding principles and family values
(00:30:38) - Navigating the healthcare sector during COVID-19
(00:34:06) - Innovative financial strategies during the pandemic
(00:36:51) - Current landscape and future goals
(00:42:06) - Advice for entrepreneurs
(00:45:16) - Community and philanthropy efforts
(00:47:45) - Workforce development and personal fulfillment
(00:53:12) - Closing thoughts and reflections