Apply online; Miami businesses with steady deposits can get a same-day decision and next-day funding on approved revenue-based offers.
Check my optionsLocal funding
Miami businesses run on tourism, trade, hospitality, construction and a large base of bilingual entrepreneurs. Fast funding here is approved on bank deposits, and owners can work through the process in English or Spanish.
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.
You can apply at 500; stronger credit opens more products.
A person reviews your revenue, time in business and bank activity, often within hours.
Existing balances of $100,000 or less can be bought out.
Approved files are usually funded the next business day.
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.
Many Miami businesses have strong but seasonal revenue. Restaurants, hotels-adjacent services and retail peak in winter and slow in late summer; import and logistics companies wait on payment cycles from overseas buyers; contractors juggle draws on condo and commercial projects. Revenue-based funders read the last few months of business bank statements to size an offer, which suits businesses whose revenue is real but uneven.
The process is simple: one application, recent statements, a government ID and basic business details. Through MFE, which is based in Miami and serves owners in both English and Spanish, that file can reach multiple funders, with same-day decisions common and funding as soon as the next business day once documents are complete. Personal credit from 500 is considered, with better credit earning better offers.
Florida has its own commercial financing disclosure law for certain providers, so ask for the written summary of amount, total cost and payment terms before signing. For seasonal businesses, request a payment structure that reflects the slow months, such as a percentage of receivables, or time the funding to arrive before the busy season.
If you already carry an advance, a second-position offer or a buyout of up to $100K may consolidate the payment into something more manageable. Early-payoff discounts at 30, 60 or 90 days are also worth asking about when cash flow allows.
Miami owners can also look at Florida SBDC counseling and local CDFIs for longer-term, lower-cost needs, using fast capital for opportunities that will not wait.
A Miami business with steady deposits might see an offer like this. Illustrative numbers.
| Amount funded | $40,000 |
| Factor rate | 1.45 |
| Total payback (amount × factor) | $58,000 |
| Fees deducted at funding (5%) | $2,000 |
| Net cash you receive | $38,000 |
| Weekly payment over 32 weeks | $1,812 |
| Same total as daily debits (~160 business days) | $362/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Restaurants and hospitality | Pre-season staffing and inventory |
| Import / export | Bridging overseas payment cycles |
| Construction | Materials and payroll between draws |
| Retail | Holiday and tourist-season stock |
| Medical and professional | Equipment and receivables gaps |
Good fit:
Probably not yet:
Yes. MFE serves owners in English and Spanish.
Same-day decisions are common, with funding as soon as the next business day once documents are complete.
Options begin at 500; stronger credit earns better offers.
Florida has a commercial financing disclosure law covering certain providers and transactions.
Yes. Time the funding before the busy season and ask for payments that reflect slow months.
Possibly, through a second-position offer or a buyout of up to $100K.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding