It has been said that the most important and impactful kind of advertising is “word of mouth.”

The majority of our clients come through referrals. We get calls everyday from people that have heard about PHD Financial and our clients’ successful outcomes and transactions. Whether the referral comes from a family member, business partner or franchisor; the relationships we have nurtured have led to our strong position in the lending community.

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

Quality Inn

Quality Inn and Super 8

Structured a purchase of both properties' 1st position notes for a combined discount of $660,000. Negotiated a $200,000 payoff of the $1,240,000 SBA second mortgage on the Super 8 (with release of collateral and personal guarantees), resulting in combined savings of $1,700,000.

Red Roof Inn

Red Roof Inn

Reduced interest rate from 26.99% to 0% with payment plan for remaining balance of a working capital loan. Modified the second position mortgage, reducing the payment from $5,950 to $1,000 for 12 months, resulting in more than $150,000 in savings to the borrower.

Independent Restaurants

Independent Restaurants
Texas & Utah

Negotiated a discounted payoff of two restaurants that were in default and closed. One was discounted $104,000, and the other was discounted $54,000, for a total savings of $158,000; and the complete settlement of all personal liability on the loans.



Organized the short sale. Negotiated discounted payoffs of the outstanding 1st and 2nd mortgages, for $46,900 and $652,000 respectively, for a total savings of $698,000; and a full release of all partners' personal guarantees.

Studio 6

Studio 6

Saved $700,000 on SBA 504 by offer in compromise on original balance of $1,000,000.

Quality Inn

Quality Inn and Suites

Saved $1,000,000 on first mortgage of $2,000,000 by negotiating a discount note purchase with arranged take out financing.

Sleep Inn

Sleep Inn

Saved $900,000 on SBA 504 on original balance of $1,200,000.

Comfort Suites

Comfort Suites

Negotiated abatement of all interest and CDC fees on SBA 504 loan, saving the client $1.35 million.



Saved $1,250,000 by discounted pay-off on original first mortgage balance of $3,300,000.

Holiday Inn

Holiday Inn Express

Saved $1,200,000 on discount of first mortgage of $6,000,000.

What Clients Are Saying

Limited Service Hotel
Jackson, MS

PHD Financial just saved me $500k on my unflagged property!

Limited Service Franchise Hotel
College Park, GA

PHD Financial just saved me $500k on my unflagged property!

Limited Service Franchise Hotel
Macon, GA

PHD Financial got our $950k+ SBA 504 loan reduced down to $300,000 making it possible for us to pay it off, and now we are out of debt.

Medical Imaging Company
Mesa, Arizona

Paul found a buyer for our company and got us relinquished from our personal guarantees on our mortgage and FF&E.

Restaurant Client Silver
Spring, MD

I was in default of my loan and PHD Financial got it reduced by over $1 million dollars and got my property refinanced at a lower rate.

Limited Service Franchise Hotel
Atlanta, GA

I was being foreclosed in a week and PHD got the foreclosure postponed and within two months, got our debt reduced $450,000, plus they found a $100,000 overcharge which our bank ultimately refunded.

Here are some of the brands we have worked with and created successful outcomes for the owners.

Budgetel Inns and Suites
AmeriVu Inn
Red Lion Hotels
Knights Inn
Best Western
Country Inn & Suites
Park Inn by Radisson
Comfort Inn
Sleep Inn
Clarion Hotels
MainStay Suites

Suburban Extended Stay Hotel
WoodSpring Suites
Econo Lodge
Rodeway Inn
Quality Inn
Extended Stay America
DoubleTree by Hilton
Hampton by Hilton
Hilton Garden Inn
Tru by Hilton
Embassy Suites by Hilton
Home2 Suites by Hilton

Homewood Suites by Hilton
Staybridge Suites
Candlewood Suites
Holiday Inn
Holiday Inn Express
Avid Hotels
Courtyard by Marriott
Aloft Hotels
SpringHill Suites by Marriott
Fairfield Inn by Marriott
Residence Inn by Marriott
TownePlace Suites

La Quinta Inns & Suites
Microtel Inn & Suites
Days Inn
Super 8
Howard Johnson
Little Caesars

For more information, call and speak with one of our financial consultants.
They can answer any questions and help determine your next steps.