Funding for restaurants, salons, clinics and professional offices along Biscayne Boulevard, NE 125th Street and West Dixie Highway. Five-minute application, soft pull to start, no tax returns.
Get StartedNorth Miami
North Miami's business base is mostly small, local and service-driven. Funding needs are practical: a renovation, a slow month, a second chair or a new oven.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Apply in about 5 minutes with roughly three months of statements. No tax returns, and funding in as little as 24 hours for qualified businesses.
We consider FICO scores from 500 and look closely at how steadily your business brings in deposits.
Your offer shows the full repayment amount before you accept. Nothing new appears after you sign.
Repayment terms are set out in your offer up front so you can budget each week or month with confidence.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Updated October 16, 2026. Figures below come from public Census and agency sources listed at the end of this page.
North Miami had an estimated 60,884 residents on July 1, 2025, according to the Census Bureau. It sits in Miami-Dade County, which had 2,802,029 residents and 95,916 business establishments in the 2022 County Business Patterns. In the three ZIP codes most associated with the city (33161, 33168 and 33181), the 2022 ZIP Code Business Patterns count 2,297 establishments. Professional services and retail lead, followed by health care, personal and repair services, and restaurants.
| Measure | Figure | Source |
|---|---|---|
| Population, July 1, 2025 estimate | 60,884 | Census Vintage 2025 |
| Establishments in ZIPs 33161, 33168, 33181 (2022) | 2,297 | ZBP 2022 |
| Professional, scientific and technical services | 435 | ZBP 2022 |
| Retail trade | 322 | ZBP 2022 |
| Health care and social assistance | 250 | ZBP 2022 |
| Other services (repair, personal care, etc.) | 208 | ZBP 2022 |
| Accommodation and food services | 182 | ZBP 2022 |
| Legal services | 122 | ZBP 2022 |
Three corridors carry most of North Miami's commerce. Biscayne Boulevard runs along the eastern edge with shopping centers, restaurants and medical offices; Miami-Dade County maps all parcels fronting Biscayne Boulevard from NE 125th Street to NE 163rd Street as the North Miami Biscayne Boulevard District Targeted Urban Area. NE 125th Street is the city's downtown main street, running west toward I-95, and the county maps a separate North Miami Downtown District Targeted Urban Area around it and West Dixie Highway, where auto repair shops, small restaurants and service businesses fill older storefronts. FIU's Biscayne Bay Campus on the city's eastern side adds students and staff to the customer base.
Targeted Urban Area maps are used by Miami-Dade for economic development programs aimed at those districts; ask the county or the North Miami Community Redevelopment Agency what applies to your address before you apply for private funding.
Restaurants and cafes on 125th Street and Biscayne live on card sales that settle within days but swing with the season. Salons, barbershops and personal services carry rent and product costs while revenue depends on chair time. Clinics and therapy offices wait on insurance reimbursements. Auto repair shops on West Dixie buy parts before the customer pays. Most of these businesses are small, which makes a single equipment failure or slow month feel large.
The Florida SBDC at FIU works with Miami-Dade and Monroe county small businesses from its office at 1101 Brickell Ave., Suite 300, South Tower, Miami, FL 33131. Its contact page says it works with owners who have at least three employees, plus a select number of scalable startups. It is free, confidential help with cash flow and loan packaging.
The SBA South Florida District Office is at 51 SW 1st Ave., Suite 201, Miami, FL 33130. It serves Lee, Hendry, Collier, Broward, Monroe and Miami-Dade counties and keeps hours Monday through Friday, 8:00 a.m. to 4:30 p.m., closed on federal holidays. It is the place to ask about SBA loan programs, lender lists and federal contracting.
Merchant Fund Express is based in Miami and reviews South Florida files the same way it reviews any other: by the deposits. You apply online in about five minutes, and we begin with a soft credit pull.
FICO scores from 500 are considered, and sole proprietors can apply. Amounts range from $25,000 to $5,000,000 depending mainly on deposits and existing obligations, and funding can arrive in as little as 24 hours for qualified businesses. Your offer shows the full repayment amount before you accept, and you are under no obligation to accept it. MFE serves owners in English and Spanish.
Card-heavy restaurants and shops often compare a merchant cash advance in Miami with a Miami business line of credit. Industry pages cover restaurant funding in Miami, salon funding in Miami and auto repair funding in Miami. For a broader look, read where Miami small businesses get loans.
For illustration only: a North Miami cafe on NE 125th Street needs a new espresso machine and a refrigeration repair in the same month. The owner applies with three months of statements, notes the card-sales pattern, and requests an amount matched to the two quotes. The offer shows the full repayment amount before signing. This is a hypothetical scenario, not a client story.
Yes. Merchant Fund Express is based in Miami and funds businesses throughout Miami-Dade County, including North Miami.
Amounts range from $25,000 to $5,000,000. The figure depends mainly on your deposits and existing obligations.
No. We review about three months of business bank statements along with a short application.
We start with a soft credit pull, which does not affect your score.
Yes. Sole proprietors can apply, and we review your business deposits the same way we do for any other applicant.
The Florida SBDC at FIU works with Miami-Dade and Monroe county small businesses at no cost.
Decisions move quickly, and funding can come in as little as 24 hours for qualified businesses.
Example uses for illustration only.
These practical moves can help your request get a clearer answer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding