Why work with JLFG
The parts most brokers leave out.
Jon Lynch Financial Group is a veteran-owned commercial finance brokerage. We arrange capital for established businesses and get paid by the funder when a deal closes. That is the whole model, and everything below follows from it.
What we do not do
We never charge an upfront fee. Not an application fee, not a "processing" fee, not a retainer. In Florida, upfront-fee collection by a broker is a live consumer-protection issue — we wrote about why brokers charge upfront fees and what it signals. If anyone asks you for money before you have an offer in writing, stop.
We do not pull your personal credit to quote you. Revenue-based underwriting qualifies on monthly deposits. Soft pull only.
We do not submit your file to twenty funders at once. Scattering an application creates duplicate inquiries and tells every funder you are shopping in a panic. We route deliberately.
How we get paid
The funder pays us a commission when your deal closes, and that commission is part of your cost of capital whether or not a broker explains it. We explain it: how MCA broker commission actually works. Ask any broker to state their compensation before you sign. If the answer is vague, that is the answer.
Veteran-owned, and why that is more than a badge
JLFG is a veteran-owned business that also publishes the SDVOSB certification guide other veteran firms use to get certified. We work with owners who have contracts in hand and payment terms measured in months — because we have been on that side of it.
Who we are a good fit for
Best fit: $50K+ in monthly revenue and 12+ months in business. We qualify from $20K+ monthly and 6+ months; files below that route to our partner network rather than being quietly declined.
Revenue-based financing is a purchase of future receivables, not a loan. If a term loan or SBA product fits you better, we will say so — see MCA vs SBA.