Fast, flexible business funding for Florida small businesses. $5K-$5M with decisions in 24 hours. 500+ FICO accepted. No tax returns required under $250K. Same-day funding available.
Apply Now (305) 384-8391Florida is home to roughly fmt(3100000) registered small businesses serving a population of fmt(22000000). From Miami, Tampa, Orlando, Jacksonville, St. Petersburg, Hialeah, Fort Lauderdale, Cape Coral, Tallahassee, Gainesville to rural communities across the state, Florida small business owners face the same challenge: traditional bank financing is slow, restrictive, and turns down most applicants under $500K.
Merchant Fund Express provides Florida businesses with access to capital that banks don’t. Our underwriters focus on revenue and cash flow — three months of bank statements — instead of two years of tax returns and 680+ FICO. We’ve funded Florida restaurants, contractors, medical practices, trucking companies, retailers, and service businesses across every county.
For Florida businesses, this means same-day decisions when paperwork is clean, funding in your account within 1–3 business days, and capital structured to fit how small businesses actually run — daily or weekly micro-payments instead of crushing monthly debt service.
Real human underwriters review every Florida file the same day it’s submitted with complete bank statements.
Revenue and cash flow matter more than credit score. We’ve funded Florida operators with 520 FICOs.
Personal guarantee only on most working capital and MCA approvals for Florida businesses.
Florida files routed to underwriters who specialize in your specific industry — restaurant, trucking, construction, medical, etc.
Three months of bank statements is all most Florida files need. No two-year tax return requirement.
See your offers without impacting your credit. We only hard-pull when you accept the terms.
Each product fits a specific use case. Not sure which fits your situation? Take our 4-minute quiz or call (305) 384-8391.
Daily or weekly ACH payments. Decision in 24 hours. Funds in 1–3 business days. Best for cash flow gaps, inventory, payroll, marketing.
Learn moreRepayment as a fixed percentage of daily credit card sales. Ideal for Florida restaurants, retail, and businesses with credit card volume.
Learn moreUp to 60 months. Section 179 eligible. The equipment is the collateral. Vehicles, machinery, medical, kitchen, construction.
Learn moreRevolving. Pay only interest on what you draw. Best for Florida businesses with unpredictable or recurring cash needs.
Learn moreAdvance on outstanding invoices. Best for Florida B2B businesses with 30/60/90 net term receivables.
Learn moreFixed daily/weekly ACH (not card-split). Term 6–18 months. For larger amounts than MCA.
Learn more| Criteria | Florida Banks | Online Lenders | Merchant Fund Express |
|---|---|---|---|
| Decision Time | 4–8 weeks | 3–7 days | 24 hours |
| Approval Rate (sub-680 FICO) | ~12% | ~38% | ~58% |
| Minimum FICO | 680+ | 620+ | 500+ |
| Tax Returns Required | 2 years | 1 year | Not under $250K |
| Funding Speed | 30–60 days | 5–10 days | 1–3 days |
| Industry Specialists | No | Generic | Yes — per industry |
We fund businesses in every Florida city — from Miami, Tampa, Orlando, Jacksonville, St. Petersburg, Hialeah, Fort Lauderdale, Cape Coral, Tallahassee, Gainesville to small towns. Top cities we serve:
Most Florida applicants get a credit decision within 24 hours and funds in their account within 1–3 business days. Same-day funding is available on amounts under $250K when three months of clean bank statements are submitted before 11am Eastern.
500+ FICO is our minimum for Florida businesses. Revenue and cash flow weigh more than credit score on most files. Florida operators with 520 FICOs and consistent monthly revenue are funded regularly.
Funded amounts range $5K to $5M depending on monthly revenue, time in business, and use of funds. The average funded amount for Florida businesses is approximately $185K. We size offers based on monthly deposits and trajectory.
Bank declines are common — approximately 82% of small business loans under $500K are declined nationally. Our underwriting differs: we approve based on bank statements (deposit consistency, average balance, NSF history) rather than tax-return-heavy criteria. Most of our Florida approvals come after a bank decline.
A one-page application, three months of business bank statements, and basic business information (EIN, time in business, ownership). For amounts $250K+ we may request additional documentation.
Most working capital and MCA approvals for Florida businesses require only a personal guarantee. Equipment financing is self-secured by the equipment. Lines of credit above $100K may require additional collateral.
Working capital, MCA, and RBF have NO prepayment penalty — you can pay off early and save on the remaining factor cost. Equipment financing prepayment varies by lender and is always disclosed before signing.
Yes, in many cases. If you have an ITIN and own a Florida business with EIN and business bank account, we can process your application. Spanish-language application available at /es/.
Apply in 4 minutes. Decision in 24 hours. Funds in 1–3 business days. No obligation, no credit impact for pre-qualification.
Apply Now Take the 4-Min Quiz (305) 384-8391