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Florida businesses · Funded in 24 hours · FICO 500+

Renew & Refinance Your MCA — Lower Your Payment, Get More Capital

Florida business owner buried under a high daily advance payment? We refinance your current position into a lower payment — and get you additional working capital, often the same day.

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If your current merchant cash advance is draining your daily sales and you need breathing room — plus more capital to keep moving — this is exactly what Florida Biz Funding does. We renew and refinance your existing advance into a structure with a lower daily or weekly payment, and put additional working capital in your account at the same time. One application, same-day decisions.

See how much your business qualifies for

Two-hour decisions. Same-day funding. No obligation. Apply Online →

What a renew & refi does for you

  • Lower your payment. We restructure your existing advance so the daily hit on your bank account goes down — freeing up cash flow immediately.
  • Put new capital in your hands. Refinancing isn't just relief — you pull additional working capital at the same time for payroll, inventory, equipment, or the next opportunity.
  • Approved on revenue, not just credit. We look at your bank deposits and real cash flow. A 500+ FICO gets a fair shot.
  • Same-day speed. Decision in 2 to 4 hours, funded the same day once approved.

Who this is for

Renew & Refi is built for Florida business owners who already carry a merchant cash advance and feel the daily-payment squeeze — restaurants, contractors, retail, healthcare, auto, trucking, and services across Miami, Tampa, Orlando, Jacksonville, and the whole state. If payments are tight and you also need more fuel, refinancing into a lower payment with extra capital is usually the smartest move.

Common questions

Will my daily payment actually go down? That's the goal — we structure the new funding so your daily/weekly payment is lower than what you're paying now, while still giving you additional capital.

How fast? Decision in 2 to 4 hours and same-day funding once approved.

What do I need? Three months of business bank statements and real monthly revenue. We fund on cash flow, so a 500+ FICO still gets a fair look.

Lower your payment and get funded today

Stop letting the daily draft choke your cash flow. Refinance into a lower payment and pull the capital you need — same day. Apply Now ⚡

ESTIMATED

See How Much You Qualify For

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Florida funding range
$25K $75K
4-hour funding · No collateral · FICO 500+
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Real offers based on full bank statement review. No credit impact to apply.
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