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Fractional Platform Growth & M&A Operators

Humboldt Group

We help CEOs and PE-backed companies scale production, execute disciplined acquisitions, and turn strategy into repeatable revenue and operating performance.

70+
Acquisitions closed & integrated
220
Operating locations integrated
1,800
Employees managed through transitions
$B+
Annual production scaled at mortgage startup

Howard Michalski

Founder & Principal Operator

Not a consultant who reads about lending. An operator who built lending infrastructure and integrated 70+ acquisitions across 220 locations.

Howard was founding head of growth at a mortgage startup that he scaled from launch to multi-billion dollars in annual production. He directed technology strategy at GE Capital, managed 1,800 employees through complex acquisition integrations, and co-founded a healthcare fintech that achieved a perfect 100 NPS.

When he advises CEOs on M&A readiness, production optimization, or platform scaling, it comes from having done it — not from having studied it. Every framework Humboldt deploys was built in the field, under pressure, with real money on the line.

Founding Head of Growth, Mortgage Startup
Scaled production from zero to multi-billion dollars in annual origination volume
70+ Acquisitions Integrated
Led M&A integration across 220 operating locations with 1,800 employees
CIO, Insurance Division of GE Capital
Enterprise technology and operations leadership at a Fortune 50 company
Co-Founder & President, medZERO Inc.
Built interest-free BNPL for healthcare from zero. Pricing models, lending infrastructure, compliance. 100 NPS.
Led Sortis' FinTech Practice
Lending and insurance tech-ops across the fintech portfolio
U.S. Army Intelligence School
Strategic discipline and analytical rigor that translates directly to board rooms and deal tables

Two retainers. Clear scope. Operator-level execution.

Every engagement starts with clarity on scope, deliverables, and cost. We reserve execution depth for paid clients — but we show you exactly how we think.

Production Growth & Ops
$6,000 /month
Starting at — scoped to your production volume

For mortgage companies focused on scaling origination volume and tightening operational efficiency.

  • Origination pipeline and channel optimization
  • Pricing architecture and margin analysis
  • Technology stack assessment and vendor evaluation
  • Process engineering and team structure design
  • Weekly executive operating reviews
How We Do It
  • Production diagnostic: pipeline, pull-through, and pricing
  • Channel economics model for retail, wholesale, and TPO
  • Operational bottleneck mapping with clear fix prioritization
  • Bench strength audit and hiring strategy framework
  • Monthly KPI dashboard with executive-ready reporting
Book Strategy Call
Paid Strategy Session
$1,997
One-time — credited toward your first retainer month

Strategy Roadmap Call

A focused 90-minute session with Howard. Walk in with questions. Walk out with a prioritized strategic roadmap tailored to your company's position, market, and goals.

  • Pre-call business review
  • 90-minute strategic session
  • Written roadmap document
  • Pricing & margin analysis
  • Competitive positioning brief
  • 30-day action plan
Book Your Roadmap Call

Not sure which engagement fits? Start with a free 30-minute strategy call.

Humboldt Group works with a limited number of clients to ensure depth over breadth. If you're a mortgage CEO, PE operating partner, or fintech founder ready for operator-level advisory — the conversation starts here.