FirstLine Funding staff have over 30 years of combined experience in the Transportation industry. We know your business and want to become your business partner. We serve all sectors of the industry - Owner/Operators are welcome as well as small and medium sized fleet owners. We can service every state in the nation.


Lori Gustaf

Vice President
Factoring Division

Lori Gustaf joined FirstLine Funding Group in 2009. She graduated from Dakota State University with a degree in Business and Information Systems. She is a Commissioned Notary Public for the State of South Dakota. Lori has experience in the transportation industry including carrier compliance, safety, freight brokering and administration. She also has 10 years of experience providing commercial finance to carriers.

Lori is involved with the International Factoring Association, currently serving on the Advisory Board, SD Trucking Assocation, National Assocation of Credit Management, Transportation Revenue Management Group and Women in Trucking. She is also involved in Leadership Madison, Madison Chamber of Commerce and Trinity Lutheran Church.

She is an avid Pittsburgh Steelers, Chicago Cubs and NASCAR fan. She also enjoys reading suspense novels. She and husband Scott have two daughters, Sydney and Kelsey.


Kim Kringen

Vice President/Sales
Factoring Division

Kim Kringen graduated from the University of Sioux Falls with a B.A. degree in Business Administration & Marketing. She joined FirstLine Funding Group in 2009 as Vice President of Sales/Factoring Division. She has experience in sales and marketing, with ten years being in new business development for the transportation factoring niche.

Kim is a member of the International Factoring Association, South Dakota Trucking Association, Women in Trucking, National Association of Credit Management (NACM) and Transportation Revenue Management Group (TRMG). She is also involved in Madison FFA Chapter, Lake County 4-H and a member of Trinity Lutheran Church.

She enjoys the outdoors, walking, hiking, fishing, boating, horseback riding and spending time with her family and friends. Kim and her husband Todd have two daughters, Alaina and Maggie.
FirstLine Funding Group 120 N Egan Avenue PO Box 488 Madison, SD 57042
Toll Free Phone - 877.609.6717 Toll Free Fax - 877.863.8600
FirstLine Funding Group is a division of First Bank & Trust, Sioux Falls, SD.
First Bank & Trust is a member of the FDIC and part of the Fishback Financial Corporation.