Answer capsule: Timberfield Capital Group is a licensed commercial loan broker in Palm Bay, FL, connecting businesses to lenders for SBA 7(a), equipment financing, commercial real estate, working capital, and more, without the documentation hassles of going direct.
When your Palm Bay business needs capital, you face a choice: approach lenders alone or work with a commercial loan broker. Going direct means researching dozens of lenders, submitting separate applications, and decoding underwriting requirements yourself. Partnering with Timberfield Capital Group means one streamlined intake, access to multiple lenders simultaneously, and expert guidance on documentation, from the first phone call at (321) 641-6951 to closing.
Our office at 4951 Babcock St, Palm Bay, FL 32905 serves businesses across Palm Bay, Malabar, Melbourne Beach, Melbourne, West Melbourne, Grant-Valkaria, Melbourne Village, Indialantic, Barefoot Bay, and Sebastian. Whether you're a marine contractor in Sebastian or a medical practice expanding near Palm Bay Regional Medical Center, we simplify the path from inquiry to funding.
Answer capsule: A commercial loan broker matches your business to suitable lenders, prepares your application package, negotiates terms, and manages the approval process, acting as your advocate rather than a lender's sales agent.
As a broker, Timberfield Capital Group does not lend money. Instead, we maintain relationships with banks, credit unions, alternative lenders, and SBA-preferred partners. We analyze your business profile, revenue, collateral, and goals, then present your deal to lenders most likely to approve. Our documentation-made-simple approach means we organize tax returns, bank statements, and business plans into lender-ready packages before submission.
For example, a Palm Bay HVAC company seeking to purchase a commercial property on Malabar Road worked with us to secure commercial real estate financing after two direct bank denials. We repositioned the application, highlighted the owner's industry experience, and matched the deal to a lender comfortable with service-business collateral.
Loan programs
Our commercial mortgage loan broker services cover SBA 7(a) loans, working capital lines, equipment financing, commercial property acquisition, business lines of credit, invoice factoring, and specialized programs for franchises and startups. Each program carries different commercial loan broker requirements, debt-service-coverage ratios, down payments, personal guarantees, and we clarify which fit your situation before you commit time to applications.
A commercial property mortgage broker role often involves coordinating appraisals, environmental assessments, and title work. A commercial finance broker focused on working capital may prioritize cash-flow analysis over real estate. Timberfield wears all these hats, adjusting our process to your transaction type.
How it works
Call (321) 641-6951 or visit our Palm Bay office for a no-cost consultation. Bring recent business tax returns, personal financial statements, and a brief description of how you'll use the funds. We'll outline commercial finance broker qualifications you need to meet, typically two years in business, satisfactory credit, and positive cash flow, and build a submission strategy. Most clients receive initial lender feedback within one week.
Because we work as a commercial business loan broker, not a direct lender, we never charge application fees tied to loan approval. Our compensation comes from the lender at closing, aligning our incentives with yours.
Explore our full service areas and Palm Bay commercial lending hub for more resources, or contact Timberfield Capital Group at 4951 Babcock St, Palm Bay, FL 32905 to discuss your financing goals today.
Serving the Palm Bay area
We know which lenders fund which kinds of Palm Bay businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why Palm Bay owners trust Timberfield Capital Group
