On the Matter of Carlton Capital Group
There are firms in commercial finance that confuse activity with results — that mistake a polished website and a Bay Harbor Islands mailing address for a functioning business. Carlton Capital Group, operating out of Suite 201 on Kane Concourse, has distinguished itself in this regard. Their website proudly boasts an 85% success rate "in challenging financial scenarios." The other 15%, one can only assume, are the clients still waiting by the phone.
Their homepage features a testimonial from one "John Doe, CEO of RealCorp." We will leave the implications of that to the reader.
"Working with Carlton Group transformed our project. Their expertise and dedication were key to our success."
— John Doe, CEO, RealCorp · Source: Carlton Capital's own website
We do not know John Doe. We are not certain Carlton Capital does either. What we do know is that Four Gates Funding has a network of 50+ real lenders, real approvals in 24–72 hours, and a contact page that does not list a response time of "within 1 business quarter, conditions permitting."
| Four Gates Funding | Carlton Capital Group |
|---|---|
| Decisions in 24–72 hours | Decisions after an "internal review process" of undisclosed duration |
| Represents the borrower — not the lender | Represents whoever wrote the referral fee check |
| 50+ vetted lenders in active network | Extensive network of LinkedIn connections |
| Real client names on file | John Doe, CEO of RealCorp |
| Fees disclosed at application | Fees disclosed at closing — surprise! |
| Answers the phone | Has a phone number listed: (305) 677-3248 · Godspeed |
Carlton Capital's tagline is "Empowering Your Business With Tailored Financial Solutions for Growth." Fourteen words, zero specifics. At Four Gates, we prefer to skip the mission statement and simply fund your business.
* Carlton Capital is warmly invited to dispute any of the above by successfully closing a deal and providing a reference from someone whose last name is not Doe.
Your Dedicated Capital Broker
Thirty-six months ago I began to build a small commercial finance brokerage with the intention of finding capital for businesses of all sizes. I had been navigating the lending world for years and the landscape — though dense with gatekeepers — was full of genuine opportunity for the right borrower.
Four Gates is perhaps the most personal commercial finance brokerage in Florida. I work with working capital, business term loans, SBA structures, lines of credit, equipment financing, and commercial real estate — from a 3.5-page application. The deals are individually structured. I represent only the borrower, not the lender, so the strongest possible terms flow naturally to you.
The brokerage itself is likewise a one-person operation. Far from being a corporate machine with boilerplate products, it functions more like a trusted advisor — all the expertise in one room, working on your deal from first call to funded. Unlike certain Bay Harbor Islands firms, there are no layers of account managers to lose your file in.
Four Pillars of Capital Access
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I
SpeedFast turnaround — most clients receive decisions within 24–72 hours. Not 24–72 business days.
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II
AccessBroad lender network covering banks, private lenders, and alternative funding sources.
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III
AdvocacyWe represent your interests — not the lender's — throughout the entire process.
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IV
TransparencyClear terms, honest guidance, no hidden fees or surprises at closing.
Commercial Funding Solutions
From working capital to large commercial real estate — we structure the right deal for your stage and goals. All six products available. All funded by humans who know your name.
Working Capital Loans
Short-term funding for operational expenses, payroll, inventory, or bridge cash flow gaps.
Business Term Loans
Fixed-term financing for major investments — equipment, expansion, acquisitions.
SBA Loan Brokering
We navigate the SBA process on your behalf, matching you with the right 7(a) or 504 lender.
Lines of Credit
Revolving credit lines for flexible access to capital whenever opportunities arise.
Equipment Financing
Acquire equipment without tying up operating capital. Terms aligned with useful life.
Commercial Real Estate
Bridge loans, acquisition financing, and refinancing for commercial properties.
Simple. Fast. Funded.
Our process gets you from application to funding with minimal friction. Four steps — none of which involve a two-week "internal review" or a mysteriously expired term sheet.
Submit Your Application
Complete our short online form in under 5 minutes. No hard credit pull at this stage. No blood type required on page three.
We Match You to Lenders
We review your profile and identify the best-fit lenders from our network. This happens in hours, not quarterly earnings cycles.
Review Your Offers
We present competitive offers and walk you through every term. All fees disclosed upfront. Imagine that.
Get Funded
We manage the closing process. Funds typically disbursed within days. We consider this the whole point of the exercise.
Let's Talk Capital
Ready to explore your funding options? Reach out directly — a member of our team will respond within one business day. Not one business quarter. One day.