We Are Florida Funding Source
“If you don’t have the time or the desire to put a loan request package together or you aren’t certain that you know the perfect lender for your project, I can help. You can keep running your business while I do the research to find the best loan product and lender. I’ll put together a complete and accurate a
We Are Florida Funding Source
“If you don’t have the time or the desire to put a loan request package together or you aren’t certain that you know the perfect lender for your project, I can help. You can keep running your business while I do the research to find the best loan product and lender. I’ll put together a complete and accurate application package that will move quickly through the underwriting process. I’ll tell your story and ensure the lender has confidence in you, your business and your project. I don’t work for the bank. I work for the borrower. My only alliance is to you. I have the freedom to help you find the best offer for your unique situation. You might be able to do it alone. Others certainly have. But I am confident I can do it better and much faster! Put me to the test. “
-Katina Phillips, President & CEO, Florida Funding Source
A small business owner can spend 5-25 hours preparing for a typical business loan request. This can include tracking down business and personal tax returns, updating interim financial statements, reviewing your current financial situation to determine feasibility of a request, meeting with a banker or other funding professional, and so mu
A small business owner can spend 5-25 hours preparing for a typical business loan request. This can include tracking down business and personal tax returns, updating interim financial statements, reviewing your current financial situation to determine feasibility of a request, meeting with a banker or other funding professional, and so much more, just as a part of the initial application process.
But what if you aren't successful on your first attempt?
Time spent working on a funding request saps valuable time from business production - not to mention the frustration that occurs when you are handling tasks and processes outside of your expertise.
That's where we come in.
We thrive in the funding search environment. It's why we get up early every morning, and at times, work late into the night. Our sole priority is to help you get the funding you need, with as few detours as possible.
Our team consists of reformed bankers looking to serve the true funding needs of the business owner.
We have expertise in Owner Occupied and Non-Owner Occupied Commercial Real Estate Financing through conventional lenders and the SBA. Businesses looking to fund large or small projects with a business loan, line of credit or a less trad
Our team consists of reformed bankers looking to serve the true funding needs of the business owner.
We have expertise in Owner Occupied and Non-Owner Occupied Commercial Real Estate Financing through conventional lenders and the SBA. Businesses looking to fund large or small projects with a business loan, line of credit or a less traditional alternative will benefit from our teams' consultative approach to educating and preparing you.
Don't go it alone.
We know what lenders and investors look for, and we understand the underwriting process. We also know the products available and can tailor a solution for your specific need. Our consultants have a minimum of 15 years experience with business funding requests.
We shorten the time between knowing you need funding, to putting the capital to work in your organization.
We don’t work for the bank.
We work for the borrower.
As a Business Owner, you know when you need a business loan or some other commercial financing option.
But, do you know where to start?
With so many options for funding out there, it may be difficult to determine which option is right for you - that's why we're here.
We will prepare you for the initial conversation, handle the collection a
As a Business Owner, you know when you need a business loan or some other commercial financing option.
But, do you know where to start?
With so many options for funding out there, it may be difficult to determine which option is right for you - that's why we're here.
We will prepare you for the initial conversation, handle the collection and completion of all applicable documents and forms, help you determine your best course of action and arm you with the knowledge you need to get the best result.
Don’t approach a lender or potential investor before you talk to us!
Information, Education and Consultation are our top priorities.
We know that a prepared and informed borrower will frequently garner a better outcome than an inexperienced borrower forced to depend on the knowledge or lack of knowledge of their banker.
We also know that lenders' appetites change and just because a deal is good, doesn't me
Information, Education and Consultation are our top priorities.
We know that a prepared and informed borrower will frequently garner a better outcome than an inexperienced borrower forced to depend on the knowledge or lack of knowledge of their banker.
We also know that lenders' appetites change and just because a deal is good, doesn't mean it will be approved. We build the best possible funding request package and find the most likely funding source for you.
We never share EIN or social security numbers with potential funding sources until you are ready to submit your funding request to the most likely source. Once your application is ready to submit, we communicate on your behalf or educate and prepare you for the conversations.
It's your choice.
Perhaps the most important aspect of our approach:
We value your time and ours.
If it is highly unlikely that your funding request will succeed, we will tell you why and what to do to get to yes later. We don't work for a lender or a broker. There's no bias in our recommendation.
Our only alliance is to you!
Business Bankers, Brokers and Loan Packaging Consultants come in all shapes and sizes with varying backgrounds and knowledge bases.
Business Bankers are captive employees and can only offer the products available through their institution.
Some Brokers and Loan Packagers will shop your business loan request to multiple lenders at once, whi
Business Bankers, Brokers and Loan Packaging Consultants come in all shapes and sizes with varying backgrounds and knowledge bases.
Business Bankers are captive employees and can only offer the products available through their institution.
Some Brokers and Loan Packagers will shop your business loan request to multiple lenders at once, which can negatively impact personal credit and business reputation.
Our team leaders have a minimum of 15 years experience processing business funding requests. We have an extensive network of industry professionals that allows us to match your needs with organizations interested in your specific project prior to a credit inquiry.
Business owners occasionally need services related to a funding request that we do not provide: CPA audited financials, written business plan, collateral insurance, financial statements, etc.
In these cases, we can use our network connections to facilitate the needed items. It saves you, the business owner, time and often money.
Katina started her banking career in Jacksonville, FL at Jax Navy Federal Credit Union in 1992 as a part-time teller. Over the next 30 years she climbed the corporate ladder, learning the banking industry from every angle. From the teller-line to the Head of Business and Retail Banking, Katina discovered her passion for working with small business owners. Throughout Katina’s award-winning career, she always knew she would eventually launch a consulting firm focused on serving small businesses. The original plan was to wait until her husband retired and then start consulting to allow for flexibility with travel and family time. Then in late 2020 something happened that changed Katina’s trajectory and set her on a fast path that led to the launch of Florida Funding Source. From the start of Katina’s career in February 1992 to November 2020, Katina had worked through 10 different bank merger/acquisition experiences. When the company she loved and had worked with for more than 18 years announced that it was being sold Katina knew that the time to launch Florida Funding Source had arrived! On January 21, 2021 the paperwork was filed with the State of Florida and a dream was born. So, instead of doing a little consulting here and there in between trips and family gatherings, not ready to slow down yet, Katina is full speed ahead. Today, Katina takes the efforts of her life’s work and put it to work for small business owners looking for the best path to business capital. She knows what makes a deal work and the information that lenders want and need to see. She’s spent years working directly with underwriters gaining an understanding of the information that can propel a deal forward or adversely create bottlenecks in the process, delaying or derailing a loan request. SBA paperwork and loan application documentation are Katina’s area of expertise. Her understanding of how to properly complete all the application forms and prepare supporting documents ensures a quick and accurate credit decision. Katina knows that every deal won’t work for every lender. Her vast network of lenders allows her to find the best lender for her client. Understanding credit guidelines and lender portfolio restrictions allows her to help her clients avoid submitting an application to a lender that doesn’t offer the product needed. Her reputation in the industry garners positive results. Lenders trust the information knowing that Katina has consulted with her client to make sure the loan request makes sense and is in the best interest of the borrower and is a good risk for the lender. Business owners that choose to work with Katina get better results faster. She doesn’t shy away from challenging deals, but she doesn’t waste her client’s time on a request that doesn’t have merit. She knows that a quick no is better than putting a borrower through a lengthy process that will not end with an approval. Katina spends sufficient time at the being of her process to determine the viability of a deal. If there’s a path forward, she’ll find the best one. If there isn’t, she’ll help to create an action plan to get the client where they need to be. Take the guess work out of business borrowing. Katina knows the business funding landscape and is happy to be your guide.
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