Florida Biz Funding is an honest, trusted, and very professional direct lender that specializes in MCA refinance and buyouts for Florida businesses. Whether your daily payments are eating cash flow through hurricane season, tourism off-cycle, or a slow stretch in Miami, Orlando, Tampa, or Jacksonville — we pay off your current funder and rebuild your repayment around Florida reality.
Why Florida Construction Contractors Choose Us for Mobilization
FDOT, county, and municipal awards in Florida create the same immediate cash demand: bonding, crews, equipment, materials, all weeks before the first draw clears. We fund mobilization in 24 hours with the local knowledge to size the advance against Florida agency draw realities.
How Florida Construction Mobilization Funding Works
Send your Florida award letter or PO, 3 months of business bank statements, and mobilization budget. Decision in 4 hours. Funding in 24 hours. Repayment aligned to FDOT or local agency progress schedule.
Who We Help
FDOT contractors, Florida county and municipal builders, school district contractors, hurricane recovery construction, MWBE/DBE certified Florida firms, and any awarded Florida construction firm doing $25K/month or more.
Real Recent MCA Buyouts
- $87,000 MCA buyout completed in 4 hours — customer saved 31% on effective rate.
- $145,000 stacked-advance consolidation — paid off two MCAs and stabilized cash flow.
- $210,000 refinance from a daily MCA holdback into a flexible repayment structure.
Refinance vs Staying With Your Current MCA
Staying put: same daily debit, same factor rate, same cash-flow squeeze, no extra capital. Refinancing with Florida Biz Funding: one new advance, often lower effective rate, terms built around your actual revenue, and cash on top to operate.
Qualification
- Operating US business — 6 months minimum
- Monthly revenue $25,000+
- Credit score 500+ accepted
- Active business bank account
- Existing MCA(s) — current or behind, both reviewed