John T.H. Carpenter, MBA, Principal

John is the Firm's Industry Leader of Government Contractor Services. With more than 28 years of experience serving the financial needs of government contractors and other commercial entities, John provides customized business advisory services to help the Firm’s clients optimize cash flow and achieve revenue and profitability goals.

Having spent the vast majority of his career in the corporate banking sector focused on meeting the unique lending needs of government contractors, John has extensive practical experience in development of budgeting and forecasting tools and how cash flow and working capital planning contribute to a contractor’s growth and continued success.

Based in CB&H’s Virginia Beach practice, John provides financial advisory and business consulting services tailored to meet the needs of clients at all stages of business development – from helping start-up ventures successfully position themselves to obtain private equity financing, to assisting established companies throughout the merger and acquisition process.

Prior to joining CB&H, John served for 10 years as a director with Wachovia Capital Finance. At Wachovia, John launched the bank’s Government Contract Finance Group to serve the lending needs of businesses that perform technical or manufacturing services for the federal government. He also previously served in the commercial and middle market lending divisions at Signet Bank for 14 years, managing the portfolios of government contractors as well as other commercial enterprises in the retail, manufacturing and service sectors.

John received his Master of Business Administration with a concentration in Finance from Loyola College and his Bachelor of Arts from Hampden-Sydney College. He also attended the Advanced Commercial Lending School at the Colgate-Darden School of Business Administration at the University of Virginia, and has served as an instructor for the American Institute of Banking (AIB).

John is a member of the Professional Services Council (PSC), Tidewater Association of Service Contractors (TASC), and the SDVOSB Council. John has also been actively involved in the local community with the United Way of South Hampton Roads and Thalia United Methodist Church.