top of page


The Passion Behind the Business

Our Mission
MacKinnon Capital is forged on the basis of building and maintaining long term relationships with our clients, lenders, and referral partners.  We are committed to adding value through integrity, and providing a solutions based platform that our clients can consistently count on.  We value the journey through business and life, and are committed to being a reliable source of information and thoughtful feedback for our clients.  Additionally, we are committed to creating a positive impact in our communities.  

Richard Kovalcheck

Richard is the President and Founder of MacKinnon Capital.   Richard is an experienced finance professional, averaging over 45 closed transactions per year for the last 9 years, consisting of over $750 Million in Debt Origination.  He has been dedicated and consistent in serving the private client space of Commercial Real Estate Finance.  


Prior to founding MacKinnon Capital in 2020, Richard was Managing Director/First Vice President at Opus Bank, responsible for loan production and borrower relationships in the San Diego and Inland Empire regions from 2016 - 2020,  From 2012-2016, Richard was Director of Debt Placement at Marcus & Millichap Capital Corporation, working out of the San Diego and Ontario offices, arranging debt for clients nationwide across all property sectors.   Prior to joining MMCC, Richard worked as a loan officer focused on Owner-User/SBA real estate, gaining insightful experience into that specialty of Commercial Real Estate.  


Richard graduated from the University of Arizona with a Bachelor of Science in Business Management.  He went on to earn an MBA from Owen Graduate School of Management at Vanderbilt University. Richard most recently earned a masters level graduate degree from the Pacific Coast Banking School in association with the University of Washington, and received an Executive Leadership Training Certificate from the Michael G Foster School of Business.  


Richard is married to his wife Amanda, and has 3 boys, August (7), Jack (4), and Cooper (1).  He enjoys spending time with family, coaching youth sports, hiking, surfing, camping, and nearly all outdoor activities..  


Richard Kovalcheck



At MacKinnon Capital, we are committed to the private client.  Through the proper due diligence and effective communication, we work to help ensure realistic expectations and quality execution on every finance assignment.  We look forward to working with you, and earning your current and future business.  Best Regards, Richard

Meet The Team

Associate – Owner-User

& Net Lease Financing

Director – Structured Finance

Associate – Multi-Family Financing

bottom of page