A broker shops your file across many funders at once; a single funder only shows you their own box. Jon Lynch Financial Group is a Florida-based, veteran-owned commercial finance broker in Brickell. We take one file — one set of bank statements — and place it against the funders whose buy box actually fits your industry, revenue pattern, and timeline, instead of you calling around Miami one lender at a time.
We're paid only when a deal funds, which points the incentive at matching you correctly, not pushing whatever's on our own shelf. We work South Florida's industries directly — hospitality, construction, logistics, import/export — and know how a seasonal restaurant's summer looks different from a freight forwarder's peak season near the Port of Miami.
The honest differentiator: sometimes the right answer is your bank, or waiting. We'll say that even when it costs us the deal.
of small business financing applicants received the full amount they requested
Federal Reserve, 2026 Small Business Credit Survey
The rest are exactly who a broker exists for — matching one file to more than a single shot at approval, rather than starting over at the next bank down Brickell Avenue.
A broker takes one intake — bank statements, basic financials, what you need and by when — and runs it against a shelf of funders instead of one. Each funder has a buy box: industries favored, revenue minimums, time-in-business requirements, deposit patterns they'll approve and ones they won't. No single funder fits every file.
The job is matching, not selling. We work out which funders actually fit your file and take it to those — not to whichever pays us best. We're paid a fee by the funder only when a deal closes and funds. If nothing funds, we're not paid.
Go direct to one funder and you get one answer, shaped by their box, whether or not it's right for you. If your file doesn't fit — wrong industry that quarter, thin deposits, existing advances they don't like — you get declined or lowballed, with no way to know if that's true everywhere or just there.
Go through a broker and one submission reaches several buy boxes at once. If your file fits three, you're comparing offers instead of accepting the first one. If it fits none well, we can tell you that too, and what would need to change.
| Going direct | Working with a broker | |
|---|---|---|
| Offers to compare | One funder's box | Several, matched to your file |
| If your file doesn't fit | Declined or lowballed, little context | Redirected to a box that fits, or told why none do |
| How we're paid | — | By the funder, only if a deal funds |
South Florida's business calendar doesn't match a generic underwriting model. A hospitality business's numbers move with season and hurricane months. A construction file often runs on draws timed to permits and inspections. A logistics or freight operation tied to the Port of Miami or Miami International Airport swings with global shipping cycles, not the local economy. An import/export business carries currency and customs timing a funder elsewhere may not read correctly the first time.
Being local means we've seen those patterns across other files, not just yours — and it means a phone call, or when useful, a conversation in person. Brickell isn't a mailing address here; it's where we are.
Jon Lynch Financial Group is veteran-owned. That's a statement about who built the firm and how we operate — direct, plain about risk, no runaround — not a certification or license claim. We're a Florida-based broker, not a licensed lender, and we work with third-party funding partners on your behalf.
If veteran-owned matters to you, it should mean this in practice: the actual number, the actual structure, and the actual answer, including when the answer is no.
Regularly, if that's the honest answer:
We don't get paid for the conversations above. We have them anyway, because the alternative is a client who shouldn't have taken the deal.
Mostly hospitality, construction, logistics and transportation, and import/export — industries that make up a meaningful share of Miami-Dade's commercial base, and ones most likely to hit a wall with a traditional bank on seasonality, receivables timing, or deal size. We also work with professional services, healthcare practices, and retail operators across South Florida.
What matters more than the industry label is the pattern underneath it: how revenue actually moves through the bank account, month to month. That's what most funders underwrite against, and what we read first.
Working capital, handled — from Brickell. Tell us how much you need and by when, and get a straight read on what's actually available, including if the answer is your bank.
See your options →No credit pull to talk. Business-purpose financing only.
Smaller shop, under $20K a month? Most of what's above is priced for businesses doing $50K or more a month in deposits — that's the core of what we place. Funding doesn't stop below that line, though; the structure just changes. There's a program built for exactly your revenue level, and the same rule applies either way.
See what you qualify for →Handled through a funding partner. No upfront cost, and we're paid only if it funds.