Miami business loans deliver fast capital — from $25,000 up to $5,000,000 — for operating Miami businesses generating at least $10,000 in monthly revenue. Whether you run a hospitality operation, a restaurant group, a healthcare practice, a contracting business, or a professional services firm, our funding programs are built specifically for the realities of running a Miami-Dade business.
Miami is the international gateway of the Americas — a city where Latin American trade, hospitality, healthcare, real estate, and an exploding tech scene drive a $400+ billion regional economy. Operating in this environment means your business needs funding that understands Miami—not generic capital underwritten by an out-of-state bank that has never seen a hurricane shutter a quarter’s revenue, or a snowbird season triple your sales overnight. Our underwriting is built around exactly those realities.
Why Miami Operators Need Specialized Business Funding
Traditional bank loans in Miami take 60 to 120 days, require 700+ credit, demand multiple years of tax returns, and frequently turn down hospitality, seasonal, and revenue-variable businesses entirely. That timeline doesn’t work when your AC unit fails the day before peak season, when a hurricane disrupts operations for two weeks, or when a major opportunity needs immediate capital. We approve Miami businesses in 24 hours — not 24 weeks.
Miami businesses operate in a competitive, fast-moving market. The cost of waiting on a bank — missed opportunities, lost vendor discounts, delayed expansions, hurricane recovery delays — often exceeds the cost of faster private funding by an order of magnitude. We exist precisely because banks don’t move fast enough for the way Miami-Dade businesses actually operate.
Industries We Fund Across Miami
We fund the full breadth of the Miami economy: hospitality and hotels, restaurant groups, real estate brokerages, import/export trade firms, marine and yacht services, healthcare practices, beauty and wellness, professional services, construction, and the rapidly growing Brickell tech ecosystem. Whether your business is brand new (6 months minimum) or a 30-year fixture, whether your credit is 500 or 800, whether you’re seasonal or year-round — if you’re generating $10,000+ monthly, we have a funding program for you.
Miami Funding Amounts by Monthly Revenue
- $10,000 – $25,000 monthly: Qualifies for $25,000 to $50,000
- $25,000 – $75,000 monthly: Qualifies for $50,000 to $200,000
- $75,000 – $200,000 monthly: Qualifies for $200,000 to $500,000
- $200,000 – $500,000 monthly: Qualifies for $500,000 to $1,000,000
- $500,000+ monthly: Qualifies for $1,000,000+ stacked or single position
Funding Solutions Available in Miami
Working capital is our most popular Miami product — unrestricted funds from $25K to $5M for payroll, inventory, expansion, hurricane repair, equipment, vendor payments, or any other operational need. Equipment financing structures larger purchases over 12 to 60 months at preferred rates. Lines of credit give you draw-as-needed flexibility, perfect for Miami’s seasonal cash flow swings. Revenue-based financing scales repayment with daily sales — ideal for tourism-driven operations. Same-day funding handles emergencies. Bad-credit programs approve FICO 500+ businesses based on bank deposits, not credit score.
Miami Application Process
- Apply online in 5 minutes — Tell us about your Miami business and upload three months of bank statements. Soft credit pull only — no impact to your score.
- Same-day approval decision — Our underwriters review and respond with your offer including funding amount, terms, and total cost. No hidden fees.
- Sign electronically — E-sign your funding agreement from anywhere in Miami.
- Funded within 24 hours — ACH transfer hits your business bank account, typically within 24 hours of signing.
What Miami Businesses Use Our Funding For
Miami clients deploy funding for inventory before peak season, payroll bridges during slower months, equipment purchases and repairs, hurricane recovery and storm damage repair, expansion into new locations or service lines, marketing pushes to capture Miami-Dade market share, vendor early-pay discounts that improve margins, real estate down payments and improvements, working capital to bid on larger contracts, and the day-to-day operational needs that keep a Miami business growing.
Miami Business Funding Requirements
- Florida-based operating business (registered in Miami or anywhere in FL)
- 6 months minimum time in business
- $10,000+ in monthly business revenue
- FICO 500+ (lower scores reviewed case-by-case based on bank statements)
- Active business bank account with 3 months of statements
- No active bankruptcy
That’s the complete list. No tax returns, no business plan, no collateral, no personal guarantee on assets. Miami businesses qualify based on what matters — actual cash flow.
