SBA Loans in Lighthouse Point, FL
SBA loans in Lighthouse Point offer business owners patient repayment terms and flexible use of funds for real estate purchases, equipment, working capital, or refinancing.
SBA loans in Lighthouse Point offer business owners patient repayment terms and flexible use of funds for real estate purchases, equipment, working capital, or refinancing.
How it works
SBA 7(a) loans are federally guaranteed term loans delivered through participating banks. The guarantee reduces lender risk, which opens doors for businesses that need longer amortizations or lack perfect collateral. You can use proceeds to acquire owner-occupied commercial property, modernize a kitchen or retail space, purchase equipment, or consolidate higher-cost debt. Because the Small Business Administration backs a portion of each loan, lenders follow standardized underwriting criteria: personal credit above 680, adequate cash flow to service debt, collateral when available, and a clear business plan. Hickory Funding Group assembles the full package, tax returns, profit-and-loss statements, rent rolls, purchase agreements, so nothing is missing when the file lands on the underwriter's desk.
SBA loans
Lighthouse Point sits along the Intracoastal Waterway, home to marina-adjacent restaurants, marine-service providers, and professional offices serving a coastal residential base. Many owners want to buy the building they occupy rather than lease, and SBA loans in Pompano Beach offer the long amortization that keeps monthly payments manageable. A yacht-maintenance shop near the Lighthouse Point Marina, for instance, might use SBA 7(a) financing to purchase its warehouse and dock space, locking in occupancy costs and building equity. Because Federal Highway and Dixie Highway both run through town, retail tenants and service businesses also tap SBA loans to fund build-outs or acquire multi-tenant properties.
As a licensed commercial broker, Hickory Funding Group does not lend directly. Instead, we maintain relationships with SBA-preferred lenders who know the Lighthouse Point market and move files efficiently. We review your financials early, flag documentation gaps, and craft a narrative that explains seasonal revenue or one-time expenses. Our office is located at 1901 W Cypress Creek Rd, Fort Lauderdale, FL 33309, Pompano Beach, FL, a short drive south via Federal Highway. Call (954) 380-7524 to start your SBA conversation. We also broker working capital and equipment financing in Lighthouse Point when SBA timelines or collateral requirements don't fit.
Every SBA file requires three years of business tax returns, year-to-date profit-and-loss and balance-sheet statements, personal financial statements for each owner holding 20 percent or more, and a detailed use-of-proceeds memo. If you are buying real estate, the lender will order an appraisal and environmental Phase I report. If you are refinancing, bring payoff letters and the original loan documents. Hickory Funding Group provides a checklist at the start, reviews drafts before submission, and stays in contact with the lender's credit analyst so you know exactly where the file stands. Clean documentation moves faster, and transparency prevents last-minute surprises.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why Pompano Beach owners trust Hickory Funding Group