Experience a seamless and efficient financing journey with PHD Financial, your reliable partner in turning your business dreams into reality.

Our unwavering dedication to providing personalized financial solutions sets us apart from the rest. We understand the complexities of the loan process, which is why we work closely with our clients to guide them every step of the way. Our team of experts conducts a thorough and professional review of all necessary paperwork at no extra cost, ensuring that you are well-prepared to secure the financing you need. As direct lenders specializing in small to mid-size businesses and commercial real estate, we offer fast and flexible financing options tailored to your unique requirements. Say goodbye to the hassle of searching for commercial financing rates, as we have got you covered. Let us help you achieve your business goals with our competitive loans for business owners.

How It Works

PHD Financial works closely with clients to ensure they are well-positioned to get financed by providing a thorough and professional review of all necessary paperwork as part of our process.
Our know-how and experience result in a comprehensive loan package, expedited loan processing, and ultimately a quick close.

Direct Lending

We provide fast and flexible financing, with a focus on small to mid-size businesses and commercial real estate.

Our Promise

If we can fund your deal, we say “yes” in 48 hours or less, after we receive your application. We don’t waste your time.

We Deliver

With our strong lender relationships, products, and marketplace knowledge, we leverage the best loan for your situation.

Fast Approvals

Term sheets are provided same-day; commitment letters in less than a week. Closings happen right after receipt of appraisal and title work.

As the premiere provider for small business financing, PHD Financial will determine the loan product that fits your goals. With a wide range of loan types and the ability to overcome nearly all “red flags,” PHD Financial is uniquely suited to fund the best loan for your business.


Low or fixed interest rates


Fixed or variable rate


Low down payments
Low monthly payments

USDA Loans

For businesses in rural areas

Bridge & Hard Money

For quick, shorter term funding



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.

For more information, call and speak with one of our loan specialists.
They can answer any questions and assist you through the funding process.


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