Okay, let’s tackle this. So Dave Stevenson has 16+ years of experience in commercial finance, which is a significant amount of time. His skills in asset-based lending, credit analysis, and funding are in high demand. He has held key roles at reputable companies like Direct Capital Corporation and First Citizens Bank and Trust Company, Inc. His location in Portsmouth, New Hampshire, is also a plus. Considering his experience, skills, and location, I would estimate his hourly rate to be around $150. This is slightly lower than what top commercial finance experts might charge, but it's a reasonable estimate given his level of experience and the demand for his skills in the region.