Working capital, merchant cash advances, equipment financing, and lines of credit for Florida small businesses. $5,000 to $5,000,000 with same-day decisions. 500+ FICO accepted. Serving companies statewide from Miami to Jacksonville.
Apply Now (305) 384-8391Florida runs on small business. From the restaurants and hotels lining the coast to the construction crews, trucking fleets, retail shops, and medical practices spread across Miami, Orlando, Tampa, Jacksonville, and Fort Lauderdale, the state’s economy is powered by owner-operators who need capital that moves as fast as they do. Merchant Fund Express provides fast, flexible business funding to Florida companies without the two-year tax returns, perfect credit, and Fortune-500 balance sheet that a traditional bank demands.
Florida’s economy has its own rhythm. Tourism-driven revenue peaks in the winter and spring and dips in the off-season. Hurricane season stretches from June through November, and even a near-miss storm can shut a business down for a week and leave a cash-flow gap that has nothing to do with how well the company is run. Seasonal swings, tenant improvement costs, and the constant push to keep up with a growing population all create moments where a business needs money now, not in six weeks. We built our products for exactly those moments.
Our underwriters approve on revenue and cash flow, not on credit scores and tax returns. We look at three months of business bank statements, your time in business, and your revenue trajectory. A Florida business doing $500,000 a year with a 580 FICO is a fundable business in our book, not a credit risk. The result is same-day decisions when the paperwork is clean, funding in your account within 24 to 48 hours, and repayment structured around how your business actually earns, with small daily or weekly ACH payments instead of one crushing monthly bill.
Real human underwriters, not algorithms. Most Florida files get a credit decision the same day they apply.
Revenue and cash flow weigh more than credit score. We fund Florida owners whom banks turn away over a low score.
Personal guarantee only on most working capital and MCA approvals. Equipment financing is self-secured by the equipment.
Capital to bridge hurricane-season closures and off-season slowdowns, so a slow stretch never stalls your business.
Three months of bank statements is all most files need. No two years of returns for a working capital request.
See your offers without impacting your credit. We only run a hard pull when you accept terms.
Six funding products Florida businesses use, with the typical use case and range on each. Most owners start with working capital or an MCA for fast cash, then layer in equipment financing or a line of credit as the relationship matures.
Daily or weekly ACH payments. Same-day decision, funds in 24–48 hours. Best for covering seasonal gaps, payroll, or general cash flow.
Learn moreRepayment as a fixed percentage of daily credit card sales. Ideal for Florida restaurants, retail, and hospitality with variable revenue.
Learn moreUp to 60 months. Section 179 eligible. The equipment is the collateral. Use for kitchen equipment, HVAC, trucks, trailers, or medical gear.
Learn moreRevolving. Pay only interest on what you draw. Best when cash needs are unpredictable across the season.
Learn moreFixed daily/weekly ACH (not card-split). Term typically 6–18 months. Higher amounts than a standard MCA.
Learn moreAdvance on outstanding invoices. Best for Florida contractors and B2B suppliers with 30/60/90 net terms.
Learn moreFlorida’s economy is built on a handful of high-volume sectors, and these are the categories we work with most across the state:
| Criteria | Banks | Online Lenders | Merchant Fund Express |
|---|---|---|---|
| Decision Speed | 4–8 weeks | 3–7 days | Same day |
| Minimum FICO | 680+ | 620+ | 500+ |
| Tax Returns Required | 2 years | 1 year | Not under $250K |
| Collateral Required | Always | Usually | Most files PG only |
| Funding Speed | 30–60 days | 5–10 days | 24–48 hours |
| Seasonal Flexibility | Rigid | Limited | Built in |
We fund businesses in every corner of the state. Wherever your company operates, the application, the products, and the speed are the same.
Here is exactly what happens after you submit your application. Most files move through the entire flow in under a day.
A one-page application asks for your business name, EIN, time in business, monthly revenue, and use of funds. No tax returns, no business plan, no balance sheet. Three months of bank statements upload directly to our secure portal.
A soft credit pull (no FICO impact) and automated bank statement review return a non-binding pre-approval with estimated terms within minutes. If pre-approved, a real human underwriter takes the case.
An underwriter reviews revenue trajectory, deposit consistency, existing debt service, and use of funds. Most Florida files clear underwriting the same day. Questions get answered by your dedicated rep, not a chatbot.
Once you accept terms and sign, funds move to your business checking account within 24 to 48 hours. Same-day funding is available on amounts under $250K. ACH repayment begins one business day after funding.
Fast capital is a powerful tool when it fits the job. These are the patterns that separate Florida owners who grow with funding from those who get squeezed by it.
Buying a $150,000 piece of equipment on a 12-month advance is far more expensive than financing it over 60 months with a Section 179 deduction. Use working capital and MCA for short-term cash flow, equipment financing for equipment, and a line of credit for recurring or unpredictable needs. Choosing the right product is the single biggest cost lever on any file.
Florida revenue climbs in peak season and softens in the off-season. The smartest owners take working capital heading into their busy stretch, when they can put it to work and repay from strong deposits, rather than waiting until a slow month forces the decision. Line up capital before you are desperate for it, and the terms are almost always better.
Taking a second or third advance before paying off the first is the fastest way to let daily payments swallow operating cash. Use one product at a time, keep payment-to-revenue in a sustainable range, and pay down before you take on new capital. We will proactively flag a file that looks over-stacked rather than pile on.
Underwriters approve on bank statements. Recent NSF fees, large unexplained transfers, and erratic deposits each cost you approval odds and price. Three clean months, with consistent deposits and a healthy ending balance, will earn better terms than two strong months and one messy one.
Most Florida applicants get a credit decision the same day and funds in their account within 24 to 48 hours. Same-day funding is available on amounts under $250K when three months of clean bank statements are submitted with the application.
500+ FICO is our minimum for Florida businesses. Revenue and cash flow weigh more than credit score on most files. We fund owners with lower scores when bank statements show strong, consistent deposits.
Most working capital and MCA approvals require only a personal guarantee. Equipment financing is self-secured by the equipment itself. Larger lines of credit and amounts above $500K may require additional collateral.
Funded amounts range from $5,000 to $5,000,000 depending on revenue, time in business, and use of funds. We size offers based on monthly revenue, deposits, and trajectory.
Yes. We understand that Florida revenue swings with the seasons and that storms can create short-term cash-flow gaps. We approve on your overall revenue picture, and our daily or weekly ACH structure is designed to flex with how your business earns.
A one-page application, three months of business bank statements, and basic business information such as EIN, time in business, and ownership. For amounts over $250K we may request additional documents like tax returns or financials.
Bank declines are common and do not disqualify you with us. We approve files based on bank statements and revenue, not the credit and tax-return-heavy criteria banks use. Many of our approvals come after a bank decline.
Apply in 4 minutes. Same-day decision. Funds in 24–48 hours. No obligation, no credit impact for pre-qualification.
Apply Now Start an Application (305) 384-8391