A business loan broker in Pompano Beach connects commercial borrowers with multiple funding sources, prepares documentation to underwriter standards, and navigates program requirements so your file arrives complete.
A small business loan broker assembles your financial package, explains underwriter criteria before you apply, and shops your deal across lenders who specialize in different risk appetites and industries. Instead of submitting incomplete tax returns or outdated profit-and-loss statements to five banks individually, you work with one broker who knows which documentation each program demands. Hickory Funding Group reviews cash flow, collateral, credit history, and time-in-business, then matches you to SBA 7(a), working capital, equipment financing, commercial real estate loans, business lines of credit, invoice factoring, or alternative structures. We prepare files so underwriters see clean narratives, not red flags.
Pompano Beach sits along the Federal Highway corridor where marine repair shops, HVAC contractors, and seafood distributors operate on thin working-capital margins and seasonal revenue swings. A broker understands that a charter-boat operator in Lighthouse Point needs different documentation than a dental practice expanding in Hillsboro Beach, and we tailor the submission accordingly.
Small business lending brokers accept clients across credit profiles, revenue stages, and industries. You qualify for brokered placement if you operate a for-profit entity, can document at least twelve months of business history, and provide recent bank statements, tax returns, and a balance sheet. Startups with strong personal guarantor credit may access SBA microloans or equipment lease structures; established firms with two years of filed returns unlock SBA 7(a) and commercial real estate programs. Brokers work with borrowers banks decline because we know which non-bank lenders price higher risk and which credit unions prioritize local Broward County employers.
An SBA broker reviews your debt-service coverage ratio, explains why underwriters calculate it on trailing twelve-month EBITDA, and tells you whether to pay down a merchant cash advance before applying. Transparency at this stage prevents wasted time.
How it works
Visit our office at 1901 W Cypress Creek Rd, Fort Lauderdale, FL 33309, Pompano Beach, FL, or call (954) 380-7524 to start. We collect three years of business tax returns, year-to-date profit-and-loss statements, a current balance sheet, three months of business bank statements, a schedule of debts, and a brief use-of-funds narrative. For SBA 7(a) loans, we add personal financial statements and resumes; for equipment financing, we need vendor quotes and serial numbers; for invoice factoring, we verify account-debtor creditworthiness.
Documentation made simple means we tell you which three documents matter most to each underwriter and why outdated statements kill approvals. We submit your package simultaneously to lenders who compete on rate, lenders who accept lower credit scores, and specialty finance companies that move faster. You receive term sheets in plain language, and we explain buyout clauses, personal-guarantee scope, and UCC-lien positions before you sign.
A diesel-engine wholesaler needed $220,000 to buy inventory before the winter sport-fishing season. The owner had steady receivables from marinas in Lauderdale-by-the-Sea and Sea Ranch Lakes but no real estate collateral. Hickory Funding Group positioned the deal as an invoice-backed working-capital line, documented ninety-day payment cycles from repeat customers, and secured approval within two weeks. The broker structure gave the distributor access to a regional lender that local banks had never mentioned.
Another client, an HVAC contractor expanding from Oakland Park into Coconut Creek and Margate, needed a ten-year term loan for three service vans and diagnostic equipment. We packaged the request as a blended commercial real estate and equipment note, using the contractor's owned warehouse as partial collateral and reducing the cash-down requirement.
Learn more about business financing in Pompano Beach or explore our full service areas across Broward County.
Related programs
Serving the Pompano Beach area
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.
Common questions
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Why Pompano Beach owners trust Hickory Funding Group
