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Call Us today: 800.576.5922


In business for more than 15 years, Access & Mobility Finance Inc. (AMF) provides financing for wheelchair accessible vehicles and other types of specialized mobility equipment. Over the years, we’ve provided the means for thousands of people to become independent and to live better, more fulfilling and productive lives.

Indeed, on the surface, we provide funds, but in reality, it goes deeper than that. What we often really provide is a new lease on life: e.g. independence, mobility, a way to work and recreation, and the means for everyone to achieve their promise and potential, regardless of physical limitation. We’re proud of our work and our legacy, and work hard every day to help our customers thrive.

Meet the team:

Your AMF team is comprised of industry professionals who come from a wide variety of backgrounds. Each of us brings something unique to the table.

Tom J. Matson CEO


Our president and CEO for the past 15 years, Tom J. Matson has always worked with an eye on filling a needed niche. When he saw a disability community that was being underserved by traditional lenders he acted, with AMF being the result.

Tom founded Access & Mobility Finance with the mission to create a company that is the premier provider of capital to people with disabilities in order to maximize their potential and enhance their access to employment and recreational opportunities. AMF is unique in that its sole focus is serving the financing needs of individuals and families that require assistive technology. AMF works with a nationwide network of hundreds of accessible vehicle and equipment dealers who utilize their financial services. To hear Tom tell it “We created this business model to insure that people who needed assistive technology would have access to capital in order to improve their lives.”

The demographic changes that American society is undergoing – coupled with the graying baby boomers, our returning and aging veterans, longer life expectancies, and (unfortunately) the continued occurrence of debilitating accidents and catastrophic illnesses – ensures that the need for capital to assist disabled individuals will continue to grow.


  • National Mobility Equipment Dealers Association
  • American Association of People with Disabilities
  • Disabled American Veterans
  • Special Olympics

Mark Johnson Senior Underwriter

With more than a decade of industry underwriting experience, Senior Underwriter Mark Johnson can be counted on to make sound, insightful credit decisions based not just on the raw numbers, but also interviews and other intangibles. This acute understanding of credit decision-making goes back to his tenure at First Collateral Services, a mortgage loan origination subsidiary of Citigroup. During his career at First Collateral Services, Mark was involved in warehouse mortgage underwriting and management that supported First Collateral’s $5 billion portfolio of mortgage loans.

His experience in managing a diverse network of mortgage brokers, while maintaining credit quality, has served him well in the mobility industry (given the diversity of the mobility dealer network.)
On the personal side, Mark is an avid golfer, both as a player and as a teacher of families (parents and children) who wish to develop their game together. Music is also a passion, of which Mark indulges as a pianist and keyboardist.

Dorothy L. Wilcox Documentation Supervisor

Dorothy brings a wealth of administrative and customer service skills to her position at Access & Mobility Finance. Prior to AMF, she was a licensed Certified Court Reporter (CCR) for seven years, specializing in civil litigation cases. Dorothy brings a “take ownership” attitude to every task she’s assigned, and the precision and attention to detail required as a court reporter has been a great asset to her as the Documentation Supervisor. In addition, her legal experience has given her the ability to quickly identify deficiencies in documentation and articulate the necessary corrective actions to the dealer network.

Besides the above, Dorothy also spent a decade in the hospitality industry with the Marriott Corporation, where she was responsible for facilitating large corporate social functions. If that wasn’t enough, she’s also a veteran of the recreational adventure travel industry, serving as a reservation specialist for white water rafting tours.

An empathetic mother of four, Dorothy is an outdoor enthusiast, and has rafted four of the five major river runs in California. To hear her tell it, “Nothing builds team collaboration like going through a series of class five rapids” (we’ll take your word for it, Dorothy!)

Lynne Watkins Office Manager

Lynne is often the first voice that our customers or dealers hear when they call us. Her unique communication skills allow her to convey a sense of community, warmth and caring for the person on the other end of the line. She is genuine in her empathy for our customers and sincere in her commitment to serving our network of mobility dealers. Whether it is a new customer who is a little apprehensive about asking for a loan or a dealer seeking advice or guidance on how to process an application, Lynne is there to put them at ease and to answer their questions.

Lynne has extensive experience in customer relations, management, sales and customer training. Her 20+ years of corporate experience has been with some of the largest San Francisco Bay Area companies. Lynne is also an active volunteer, serving our youth, veterans, law enforcement and the disability community.