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 Operators Choose Us for Hurricane Recovery
Hurricane recovery in Florida means weeks of lost revenue, urgent repairs, payroll without operations, and waiting for insurance proceeds. Banks cannot move at hurricane speed. We deploy recovery cash in 24 hours, often 4, so you can reopen instead of waiting.
How Hurricane Emergency Funding Works
Soft credit pull. 3 months of pre-storm bank statements. Tell us what reopening or recovery costs. Decision in 2-4 hours. Funding in 24 hours, often same-day. Repayment structured around the resumption of revenue.
Who We Help
Florida restaurants, hospitality, retail, tourism operators, healthcare practices, construction firms doing storm-recovery work, and any Florida business hit by hurricane or tropical storm impact in Miami, Tampa, Orlando, Jacksonville, Fort Lauderdale, Naples, or statewide.
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