Commercial Finance | Loan Modification
Real Estate Brokerage

Providing Creative Funding Solutions


With over three decades of experience in commercial finance, debt restructuring, and real estate brokerage, PHD Financial LLC stands out as a trusted and reliable financial consultancy. Founded by Paul Darrow, our firm is dedicated to addressing the unique financial needs of business owners, particularly in the hospitality industry. As an independent consultant, Paul recognized the growing demand for specialized financial solutions and thus established PHD Financial to bridge the gap between business owners, property owners, and lenders.

We take pride in our thorough analysis and packaging of loans and restructuring proposals, resulting in successful transactions. Our clients’ financing goals get met thanks to our diligence and commitment.

We provide tailor-made advice and guidance to facilitate seamless and efficient finance and debt restructuring negotiations. Our team is committed to providing creative financial solutions that cater to the diverse needs of our clients across various market segments. When it comes to expert insights and personalized financial consultation services, trust in PHD Financial to deliver exceptional results.


PHD Financial has helped thousands of entrepreneurs build, purchase, refinance, and expand their businesses. Our goal is to match you with the best loan for your needs. Our team of dedicated and experienced loan specialists is available seven days a week to guide you through our simple, easy, and lightning-fast loan process.

Debt Restructure

PHD Financial has saved millions for clients struggling to meet mortgage payments and other debt. We will thoroughly assess your specific situation and work to find the best solution for a successful outcome. Bankruptcy is almost never the answer. Do not call a lawyer. PHD Financial has a better solution for you.

Real Estate

PHD Financial is the premiere small to midsized real estate finance and brokerage provider. We have a nationwide network of vetted buyers and properties for sale. Our thorough valuation and marketing process consistently results in successful closings. We are dedicated to the transaction and can vet the buyer, pre-qualifying them for the purchase.

Deferred Sales Trust

Thinking of selling, but hesitant due to possible capital gains taxes? Haven’t found a like-kind property to buy in the required 1031 Exchange window? If you own a business or real estate with a large amount of gain and are not selling your property for the above reasons, then you may want to consider a Deferred Sales Trust™.

We provide financing for many categories of business and commercial real estate.
Minimum loan amount of $1 million.

Contact us today to learn more about our services and how we can help you achieve your financial goals. We look forward to working with you.

Here are just some of our firm’s successful transactions and what clients are saying…