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 Contractors Choose Us After an Award
A state, county, or municipal award in Florida means crews, equipment, bonding, and weeks of work before the first progress draw clears. We fund mobilization in 24 hours and structure repayment around the draw schedule.
How Florida Government Contract Funding Works
Send your award letter or PO, 3 months of business bank statements, and your mobilization budget. We fund in 24 hours, often same-day, with terms aligned to Florida-specific contract draw cycles and hurricane recovery work flow.
Who We Help
FDOT contractors, Florida school district contractors, county/municipal builders, hurricane recovery contractors, MWBE/DBE certified firms, and any awarded Florida contractor in construction, HVAC, electrical, plumbing, or specialty trades.
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