Looking for small business loans in Pompano Beach? Hickory Funding Group brokers multiple commercial financing programs, SBA 7(a), equipment financing, working capital, lines of credit, and more, by showing underwriters the documentation that actually gets files approved, not by promising rates we don't control.
Small business
Underwriters approve files when three things align: a borrower with verifiable cash flow, collateral or business assets that justify the advance, and clean documentation that proves both. Whether you operate a marine-services shop along the Intracoastal or a retail storefront on Atlantic Boulevard, the lender wants to see 12-24 months of bank statements, recent business and personal tax returns, a debt schedule, and a simple narrative explaining how the capital improves revenue or reduces cost. Hickory Funding Group, located at 1901 W Cypress Creek Rd, Fort Lauderdale, FL 33309, Pompano Beach, FL, organizes that package before the file ever reaches an underwriter's desk.
Pompano Beach business owners request capital for inventory restocking before tourist season, HVAC upgrades in aging retail plazas near Cypress Creek Road, commercial vehicle purchases for landscaping or pool-service routes, tenant-improvement build-outs in mixed-use developments, and equipment acquisitions, everything from industrial ovens for bakeries to diagnostic tools for auto-repair shops. The loan program you choose depends less on the use case and more on what documentation you can deliver quickly.
Qualification hinges on documentation, not wishful thinking. Most programs require at least 12 months in business, a credit score above 600 (some lenders accept lower with compensating factors), and proof that monthly revenue covers existing debt plus the new payment with margin to spare. Startups with strong personal guarantor financials may access SBA microloans or equipment leases. Seasonal businesses, common in Pompano Beach, where summer can be slower, benefit from submitting three years of tax returns so underwriters see the annual cycle rather than a single soft quarter.
How it works
Call Hickory Funding Group at (954) 380-7524 to start. We'll ask which program you think fits, then request your last two years of business tax returns, year-to-date profit-and-loss statement, three months of business bank statements, a current accounts-receivable aging report (if applicable), and a brief narrative. We scrub the file for common underwriter objections, missing signatures, unexplained deposits, gaps in the debt schedule, before submission. Because we're a broker, we can pivot to a second lender if the first declines, without you restarting the process.
An HVAC contractor serving Pompano Beach, Deerfield Beach, and Lighthouse Point needed three new service vans and diagnostic equipment. His accountant provided two years of tax returns showing consistent profit, six months of bank statements with steady deposits, and a vehicle quote from a Coconut Creek dealer. Hickory Funding Group matched him with an equipment lender who approved the file in five business days because every document was clean, signed, and cross-referenced. No rate was promised; the lender's credit committee set terms after reviewing collateral value and cash flow.
Loan programs
We connect Pompano Beach businesses to SBA 7(a) loans, equipment financing, working capital advances, commercial real estate mortgages, business lines of credit, and invoice factoring for contractors and service companies with slow-paying municipal or commercial clients. Each program has different documentation requirements; we'll tell you which underwriter wants what, so you're not guessing.
Underwriters decline files not because the business is weak, but because the paperwork raises more questions than it answers. A single unexplained $15,000 deposit can stall a file for weeks. Hickory Funding Group reviews every page before submission, flags inconsistencies, and requests corrected statements or explanations up front. That discipline turns a maybe into an approval.
Who we serve
Hickory Funding Group works with businesses across Pompano Beach, Sea Ranch Lakes, Lauderdale-by-the-Sea, Lighthouse Point, Oakland Park, Wilton Manors, Hillsboro Beach, Coconut Creek, Margate, Deerfield Beach, and North Lauderdale. Visit our Service Areas page to confirm we cover your location, or explore our Pompano Beach business financing hub for case studies and program comparisons.
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
Talk to a local advisor and get matched to the right program, no obligation.
Why Pompano Beach owners trust Hickory Funding Group
