Merchant cash advance · Florida · Miami
Business funding in Miami
Miami runs on trade, tourism, and construction. PortMiami and the airport move cargo and cruise traffic year round, and a deep bench of small importers, freight forwarders, and wholesalers works the warehouse districts west of the airport. The restaurant scene is one of the busiest in the country, from Calle Ocho cafeterias to Brickell fine dining. Cranes stay up across the county, which keeps subs, suppliers, and trade contractors working. It is a fast, cash-hungry market where opportunity moves quicker than bank underwriting.
We fund nationwide from a Florida desk. Calle Ocho, Wynwood, and Coral Way carry the neighborhood businesses, Brickell and the Beach carry the tourist dollars, and the Doral warehouse corridor near the airport moves the freight. Files from Miami get read by people who know what Miami-Dade County cash flow looks like: $10K to $2M, sized off real deposits, no hard credit pull to apply.
How seasonality reads on a Miami file
Winter is high season, roughly November through April, when the Beach and Brickell run at full tilt. Summer deposits dip for hospitality, and hurricane season keeps everyone watching the forecast. Funders that know Florida expect this rhythm and read around it - which months your statements cover can genuinely change your offer. If your slow season is on top of you, it is often worth applying off your strongest recent stretch rather than waiting.
What Miami businesses we work with
The Miami files that cross our desk skew toward restaurants, construction & contractors, wholesale & distribution, trucking & transportation, retail stores. Each industry reads differently to underwriting - the guides below explain how funders see yours.
RestaurantsConstruction & ContractorsWholesale & DistributionTrucking & TransportationRetail StoresAll industries
What it takes to qualify
| Advance range | $10,000 - $2,000,000 |
| Typical sizing | 0.5x to 1.4x monthly bank deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Not sure where you land? The qualification calculator gives you the honest range in ten seconds.
Miami funding questions
Can my Miami restaurant qualify if summer revenue drops?
Yes. Funders here see seasonal dips all day and look at your trailing months against the same stretch last year. If the pattern holds up, the dip does not kill the file.
I import goods through the airport. Do wire deposits count as revenue?
They count. Wires, transfers to the business account, and card settlements all read as deposits on your statements. Clean, consistent statements matter more than the source.
How fast can a Miami business get funded?
Most files see offers within a day or two of statements coming in. Miami is one of the most actively funded markets in the country, so there is real competition for good files.
See your number, not a sales pitch
Two minutes, no hard credit pull, sized off your real deposits.
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