Hickory Funding Group is a commercial loan broker Pompano Beach businesses trust to navigate the underwriting process across SBA 7(a), equipment financing, working capital, and commercial real estate loans.
About Hickory Funding Group
We know which lenders fund which kinds of Pompano Beach businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
A commercial loan broker Pompano Beach companies work with serves one purpose: to match your business with the lender whose underwriting criteria you already satisfy. Banks and alternative lenders each maintain distinct credit-score floors, debt-service-coverage thresholds, collateral requirements, and industry preferences. Most owners apply to one institution at a time, burning weeks and damaging their credit profile with multiple hard inquiries. We reverse that sequence. Before a single application leaves our office at 1901 W Cypress Creek Rd, Fort Lauderdale, FL 33309, Pompano Beach, FL, we review your revenue documentation, balance sheet, and tax returns through an underwriter's lens, identify which lenders will approve your profile today, and submit only to those partners. You save time, preserve your credit inquiries, and hear "yes" faster because we already know the answer before we ask the question.
How it works
Hickory Funding Group was built by professionals who spent years inside lender underwriting departments and watched capable businesses walk away empty-handed for fixable documentation gaps. A marine-services operator in Lighthouse Point might show strong seasonal revenue but submit profit-and-loss statements that don't reconcile with bank deposits. A restaurant group expanding from Lauderdale-by-the-Sea into Deerfield Beach might carry excellent cash flow but lack the two years of filed tax returns an SBA 7(a) lender requires. These files weren't weak; they were simply incomplete or routed to the wrong desk. We launched Hickory Funding Group to solve that mismatch. Our model is transparent: we ask for the same documents an underwriter will request, we explain which numbers matter and why, and we only introduce you to lenders whose approval criteria your business already meets. No surprises, no wasted applications, no guessing whether your file will clear committee.
Pompano Beach sits at the intersection of legacy marine industries, emerging tech and creative sectors, healthcare services along Cypress Creek Road, and hospitality businesses serving both residents and seasonal visitors. We understand that a boat-repair facility in Sea Ranch Lakes carries receivables tied to winter demand, that a medical-billing office in Oakland Park may show steady monthly revenue but minimal hard assets, and that a brewery in Wilton Manors will need equipment financing structured around production cycles rather than retail peaks. When you call (954) 380-7524, you speak with advisors who recognize these patterns because we work this corridor daily. Our office location near the Cypress Creek corridor means we're fifteen minutes from most Pompano Beach businesses, and we've walked dozens of properties from Hillsboro Beach to North Lauderdale with owners who needed to articulate collateral value before a lender's appraiser arrived.
How it works
Lenders pay us. You do not pay upfront fees, retainers, or application charges. We earn a finder's fee from the lender only when your loan funds, which aligns our incentive with yours: we succeed when you close. This structure also gives us access to a broader marketplace than any single bank or credit union offers. In one morning we can compare an SBA 7(a) term sheet, a working-capital line from an alternative lender, and equipment financing from a captive finance arm, then show you which structure delivers the lowest total cost of capital for your specific use case. A single-bank relationship cannot offer that breadth, and most business owners lack the time to submit seven separate applications themselves.
We work with established businesses that generate consistent revenue and need capital to expand, acquire equipment, purchase real estate, or smooth cash flow. Typical clients include:
- Service companies in HVAC, plumbing, electrical, and landscaping that need trucks, tools, and working capital to cover payroll between invoicing and collection. - Healthcare practices in Coconut Creek and Margate acquiring imaging equipment, renovating facilities, or buying into partnerships. - Hospitality operators along A1A refinancing debt, opening second locations, or upgrading kitchens and point-of-sale systems. - Marine and automotive businesses purchasing lifts, diagnostic machines, or inventory against seasonal demand swings. - Professional-services firms in accounting, legal, consulting, and marketing that carry high receivables but low tangible collateral.
We do not fund startups with zero revenue history, personal credit repair, or consumer debt consolidation. Our programs serve operating businesses with documentation to prove cash flow.
Most local loan broker FL firms hand you a generic application and forward it to a single lender. We begin with a documentation audit. Before any lender sees your file, we verify that your profit-and-loss statement reconciles with your business bank statements, that your debt schedule matches your credit report, that your tax returns reflect the revenue you're claiming, and that your collateral appraisals or equipment invoices will satisfy the lender's loan-to-value limits. If a document is missing or inconsistent, we tell you exactly what to fix and why it matters to underwriting. This front-end work eliminates the most common rejection reasons and turns your application into a file an underwriter can approve on first review.
We also explain trade-offs in plain language. An SBA 7(a) loan offers the lowest rate and longest term but requires a personal guarantee and takes forty-five days to close. A working-capital line funds in one week but carries a higher cost and shorter payback. Equipment financing may cover the full purchase price but restricts use of funds to the invoiced asset. We walk through each option's documentation requirements, approval timeline, and total cost so you choose the program that fits your operational reality, not just the advertised rate.
We live and work in Broward County. When you visit our Fort Lauderdale office, you'll meet the same advisors who answer the phone, review your file, and negotiate terms with lenders. We attend chamber events, we know the seasonal rhythms that drive revenue in hospitality and marine sectors, and we've helped businesses from the Pompano Beach Pier west to the Sawgrass Expressway corridor. That local presence means we can meet you at your location, review your operation firsthand, and explain your business model to lenders in terms they understand. A broker three states away cannot do that.
Learn more about the communities we serve across Broward County, explore funding programs available in Pompano Beach, or contact our team at (954) 380-7524 to discuss your documentation and next steps.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why Pompano Beach owners trust Hickory Funding Group
