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 Refinance Their MCA
Florida revenue is not linear. Hurricane season throws weeks of operations sideways. Tourism off-season cuts restaurant covers in half. A flat daily MCA payment ignores all of that. If your advance is debiting every weekday at the same amount through your slowest months, refinancing into a Florida-aware advance can be the difference between surviving and not.
How Our Florida Buyout Process Works
We pull your existing MCA balance, request a payoff letter from your current funder, and structure a new advance sized to your Florida revenue pattern. Many Florida buyouts close in 4-24 hours, and we can fund extra cash on top of the payoff so you exit with breathing room.
Who We Help in Florida
Restaurants and hospitality, hurricane-recovery contractors, tourism operators, healthcare practices, retail, and any Florida business doing $25K+/month in revenue across Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, and 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