Ryan Toncheff, MBA

Ryan Toncheff is Partner, Perrin & Co., LLC. He brings more than 20 years of experience across middle-market commercial banking, institutional credit, complex lending, executive finance, and business restructuring.

He spent much of his career advising privately held companies from the lender’s side of the table—evaluating credit risk, structuring financing, managing challenged relationships, and helping businesses navigate periods of growth, transition, and financial pressure.

Ryan later transitioned into an operating Chief Financial Officer role within a large privately held family enterprise comprising more than 100 entities. The organization included one of California’s largest privately held farming operations, with more than 70,000 acres of agricultural holdings, as well as commercial real estate, development, construction, manufacturing, transportation, and other operating businesses.

In that role, he led and supported complex matters involving capital structure, liquidity, institutional lenders, centralized treasury, multi-entity cash management, restructuring, stakeholder negotiations, and executive financial decision-making.

Ryan also serves as Partner, LORIQ Technologies, LLC, whose LORIQ™ Credit Intelligence is a commercial debt intelligence platform built for middle-market businesses. Separately, he is Partner, Meridian CPAs, a certified public accounting firm serving the accounting and tax needs of middle-market companies.

Ryan’s work also extends into financial media and editorial intelligence through Bellings, a financial news aggregation and analysis platform designed to address a different problem facing financial professionals: information overload. Bellings monitors financial reporting and institutional sources across the market, identifies the underlying developments, and uses its proprietary Bellings Intelligence Score™ to rank those developments by significance—helping executives, lenders, investors, and advisors determine what deserves their attention first, rather than adding another endless stream of financial headlines.

The concept reflects a theme running throughout Ryan’s career and ventures: turning large amounts of complex financial information into clearer decisions.

His approach is grounded in the belief that strong financial decisions require analytical discipline, independent judgment, practical experience, and the ability to execute.

Ryan serves as Partner, LORIQ Technologies, LLC, whose LORIQ™ Credit Intelligence is a commercial debt intelligence platform designed around the realities of middle-market commercial borrowing.

Most middle-market businesses manage credit facilities, covenant obligations, lender reporting, and capital structure decisions across spreadsheets, loan documents, and disconnected systems. LORIQ™ was created to give borrowers the kind of structured credit infrastructure that institutional lenders have long had on their side of the table—centralizing debt information, monitoring covenant compliance, and improving visibility into financial performance and capital structure.

Beyond business, I’m driven by curiosity and a genuine appreciation for solving complex problems. I enjoy connecting ideas across disciplines, building organizations that create lasting value, and working alongside people who believe integrity, thoughtful leadership, and continuous improvement are fundamental to long-term success.

The companies I lead are different in what they do, but they all exist for the same reason: to bring greater clarity to complex decisions, strengthen relationships built on trust, and help build more resilient businesses for the future.