Mon-Fri 8-6·Service Areas(954) 380-7524
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Pompano Beach, FL · Commercial loan broker

Fund your Pompano Beach business with a single application

Hickory Funding Group is a licensed commercial-loan broker helping Pompano Beach businesses secure SBA 7(a) loans, working capital, equipment financing, commercial real estate loans, business lines of credit, invoice factoring, and more.

Getting funded in Pompano Beach is simple: share your goal, we prepare your file the way underwriters read it, then you compare real offers with a local advisor. No cost to apply.

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No costTo apply
Vetted lendersOne file
Pompano BeachLocal guidance
Licensed brokerNot a lender

Who we serve

Who We Help in Pompano Beach and Nearby Communities

Pompano Beach sits at the crossroads of Federal Highway and Atlantic Boulevard, home to marine contractors servicing the Hillsboro Inlet, HVAC companies running service routes through Margate and Coconut Creek, medical practices clustered near the Broward Health North campus, and restaurant groups expanding from the beach district into Lighthouse Point. We broker commercial financing for businesses that need capital but don't speak underwriter language.

Most owners along Cypress Creek Road or down in Lauderdale-by-the-Sea call us after a bank says "we need more documentation" without explaining what that actually means. We work with established companies generating revenue, startups with collateral or strong guarantor credit, and seasonal businesses that show cash-flow gaps in their tax returns but operate profitably over twelve months. Our role is to package your file so the lender's credit committee sees what you see: a business worth backing.

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Hickory Funding Group operates from 1901 W Cypress Creek Rd, Fort Lauderdale, FL 33309, serving Pompano Beach and the surrounding communities of Sea Ranch Lakes, Oakland Park, Wilton Manors, Hillsboro Beach, Deerfield Beach, and North Lauderdale. Reach us at (954) 380-7524 to discuss your scenario before you gather a single document.

Loan programs

Core Commercial Loan Programs We Broker

SBA 7(a) Loans

SBA 7(a) loans finance business acquisitions, real-estate purchases with owner occupancy, working capital, and equipment when you need longer terms and lower down payments than conventional bank loans. Underwriters approve files that show two years of tax returns, a personal credit score above 680, and debt-service coverage over 1.15x.

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Working Capital Loans

Working capital loans bridge the gap between payroll dates and customer payment cycles. Underwriters want to see six months of business bank statements, a clear explanation of what the cash will fund, and proof that revenue covers the new payment.

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Equipment Financing

Equipment financing funds trucks, kitchen build-outs, medical devices, and machinery with the asset itself serving as collateral. Underwriters approve files faster when the invoice matches the loan request, the vendor is established, and your business shows twelve months of operating history.

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Commercial Real Estate Loans

Commercial real estate loans finance the purchase or refinance of owner-occupied warehouses, office condos, and retail storefronts. Underwriters require an appraisal, a Phase I environmental report if the property has industrial history, and proof that your business generates income independent of the real estate.

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Local insight

The Pompano Beach Advantage: Local Context Meets Underwriter Logic

Pompano Beach operates on marine, medical, and hospitality revenue cycles that don't fit cookie-cutter underwriting models. A dive-charter operator in Lauderdale-by-the-Sea shows losses in September but profits over the full year. A urgent-care clinic in Hillsboro Beach has receivables tied to insurance reimbursement timelines that stretch ninety days. National lenders see red flags. We see documentation opportunities.

Our job is to package your seasonal P&L, explain your AR aging, and present collateral in the format the underwriter's checklist demands. When you call (954) 380-7524, we'll ask about your revenue cycle first and your loan amount second, because the story behind the numbers determines which documentation will get your file approved.

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Pompano Beach businesses also benefit from proximity to our Fort Lauderdale office at 1901 W Cypress Creek Rd. If an underwriter requests an updated lease or a vendor contract mid-process, you're a fifteen-minute drive from our desk, not waiting on a scan-and-email chain that stalls your closing.

How it works

How the Broker Process Works

1

you call us with a funding need. We ask what the cash will be used for, how much revenue your business generates, what collateral you can pledge, and whether your tax returns show profit or loss. That ten-minute conversation tells us which lenders will compete for your file.

2

we send you a documentation checklist. You'll know exactly which bank statements, tax returns, and contracts to gather. No vague requests for "financial information." Every item on the list corresponds to a specific underwriter requirement.

3

we submit your file to multiple lenders simultaneously. Because we're a broker, not a lender, we have access to regional banks, credit unions, SBA-preferred lenders, and alternative-capital sources that each underwrite differently. One lender's decline becomes another's approval when the credit policy fits your scenario.

4

we manage conditions. After initial approval, underwriters issue a list of outstanding items. We translate those requests, tell you which documents satisfy each condition, and track the file to closing.

You'll find more detail on our approach on the About page, and a full list of the cities we serve on the Service Areas page.

Why Businesses in Pompano Beach and Surrounding Areas Choose a Broker

Banks employ underwriters who follow credit policies written at headquarters. Brokers employ scenario knowledge across dozens of lender policies. When a contractor in Deerfield Beach gets declined for a working-capital loan because one bank doesn't like construction receivables, we place the same file with a lender that specializes in contractor cash flow. The business didn't change. The lender match did.

Brokers also absorb the documentation burden. Instead of you calling the bank to ask what "interim financial statements" means, you call us. Instead of waiting three days for a loan officer to respond, you get an answer in three hours. We succeed only when your loan closes, so our incentive aligns with yours from the first conversation.

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Pompano Beach business owners working with Hickory Funding Group receive a documentation checklist tailored to their industry, a timeline with milestones, and a single point of contact who tracks the file from application to funding. Visit our Pompano Beach city hub for local business resources and lending insights specific to Broward County's northeast corridor.

What owners say

Trusted by Pompano Beach-area business owners

★★★★★
They explained exactly what the lender wanted before we applied, so there were no surprises.
SASofia A.
Pompano Beach · Same Day Business Loans
★★★★★
Straight answers and no runaround. We finally understood our options.
MDMarcus D.
Pompano Beach · Small Business Loans
★★★★★
They packaged our file properly and took it to the right people the first time.
PSPriya S.
Pompano Beach · Small Business Loans

Individual client experiences; results vary by business and program.

Serving the Pompano Beach area

Local guidance across Pompano Beach, FL

Hickory Funding Group in Pompano Beach, FL

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.

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Market context

By the numbers

Underwriters require an appraisal, a Phase I environmental report if the property has industrial history, and proof that your business generates income independent of the real estate. Nationally, the numbers below tell a similar story:

01

There are more than 33 million small businesses in the United States.

SBA Office of Advocacy
02

Most firms that apply for financing seek $100,000 or less.

Federal Reserve Small Business Credit Survey
03

About half of applicant firms sought funds mainly to cover operating expenses.

Federal Reserve Small Business Credit Survey

National data, reviewed 2026, figures from primary sources.

Common questions

Common questions about business loans in Pompano Beach

What credit score do I need for business loans in Pompano Beach?+
Most commercial lenders approve files with personal credit scores above 680 for SBA loans and above 600 for equipment financing or working capital. Lower scores can still qualify if you offer strong collateral, a larger down payment, or a guarantor with better credit. We review your scenario before pulling credit so you know which programs fit.
How long does it take to close a business loan in Pompano Beach?+
Equipment loans close in two to three weeks when documentation is complete. SBA 7(a) loans typically take six to eight weeks because they require third-party appraisals and environmental reports. Working-capital loans can fund in one week if your bank statements and tax returns are current. We provide a timeline during your initial consultation so you can plan accordingly.
Do I need collateral for small business loans in Pompano Beach?+
SBA 7(a) and commercial real-estate loans require collateral, usually the asset being financed plus a blanket lien on business assets. Working-capital loans may be unsecured if your revenue and credit are strong. Equipment financing uses the equipment itself as collateral. We'll identify what you can pledge and which lenders accept your collateral mix before you apply.
Can startups get business funding in Pompano Beach?+
Startups qualify for equipment financing and working capital if the owner has industry experience, strong personal credit, and sufficient cash reserves. SBA loans require two years of tax returns, so pre-revenue businesses typically use equipment financing or a business line of credit secured by personal assets. We'll map your options based on how long you've been operating and what you're funding.
What documents do I need for a business line of credit in Pompano Beach?+
Underwriters require six to twelve months of business bank statements, two years of business tax returns, a current profit-and-loss statement, and a personal financial statement. If you're applying for a business line of credit in Pompano Beach, we'll send you a checklist with every document listed so you gather the right files the first time and avoid delays during underwriting., Hickory Funding Group 1901 W Cypress Creek Rd, Fort Lauderdale, FL 33309, Pompano Beach, FL (954) 380-7524 Licensed commercial-loan broker serving 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.

Ready to move on funding?

Talk to a local advisor and get matched to the right program, no obligation.

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Why Pompano Beach owners trust Hickory Funding Group

Licensed Commercial Loan BrokerState-licensed to arrange business financing on your behalf.
Broker, Not a LenderWe shop your deal across multiple lenders — we don't fund loans ourselves.
No Upfront FeesYou pay nothing to apply or get matched with a lender.
Confidential & SecureYour financial information is never shared without your consent.
Local to Pompano Beach, FLBased in Pompano Beach, FL, with on-the-ground knowledge of local lenders and licensing.
National Lender NetworkAccess to lenders coast to coast, not just those in your immediate area.
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