After many years as an independent consultant to business-owners, primarily in the hospitality industry, but throughout many segments of the marketplace, Paul Darrow founded PHD Financial LLC. There was a great need by franchise and independent business owners for financial consult and debt restructure. We chose to create a niche business that could both advise and consult on financial issues, working as a liaison between business and property owners, and their lenders, to make finance and debt restructure negotiations a more seamless and effective process.

Today, PHD Financial provides over thirty years of expertise in commercial finance, debt restructure, real estate brokerage and business consulting.


PHD Financial strives to deliver impressive results for businesses, with a commitment to manage our clients’ matters as if they were our own. We spend whatever time and resources necessary to cultivate relationships with numerous contacts, networks, associations and lenders to provide the most beneficial outcomes for clients.

We are committed to focus on each client’s individual circumstance and need, and develop a plan for measurable results, successful transactions and future profitability.


With over 30 years of extensive experience in crisis management consulting, debt restructure, and generating new financing for commercial real estate, hotels, hospitality, food manufacturing, and distribution companies, our understanding of operations enables us to be highly successful in re-negotiating existing debt with banks, SBA, USDA, and the Treasury, as well as providing new sources of funds for our clients.


PHD Financial’s services have proven to be invaluable to the hospitality community through educational seminars in partnership with several trade associations. Our successful work with hundreds of hoteliers over the years, has made PHD Financial the go-to firm for financing and franchise negotiations. PHD Financial is the preferred lender for several franchise brands.

Our People

Paul Darrow

Paul Darrow | Founder / President


561.508.7558 office ext:1

Jody Darrow

Co-Founder, Executive VP

Marketing / Development

Phone 561.508.7558 ext:1010

Evan Darrow

SVP, Real Estate

NMLS #2343905

Phone 561.508.7558 ext:3

Jesse Darrow

SVP, Lending

NMLS #1762525

For more information, call and speak with one of our specialists.
They can answer any questions and assist you with financing, consulting and listing or buying a property.