Borrow $10,000 to $1,000,000 for your Florida business operating expenses. Terms from 3 to 24 months with rates starting at 7.99%. Use for payroll, inventory, rent, marketing, or any business need.
Working Capital Available for Florida Businesses
From Application to Approval Decision
Starting Rate
Revenue based financing (RBF) is a modern funding solution that gives Florida business owners access to capital based on their monthly revenue. Unlike a merchant cash advance that takes a percentage of your daily credit card sales, RBF provides a lump sum with fixed daily or weekly ACH payments drawn from your business bank account. Your payment amount is set upfront based on your revenue history — simple, predictable, and no credit card processing required.
This makes working capital loans ideal for Florida businesses across every industry — whether you run a hotel in Miami Beach preparing for tourist season, a construction company in Tampa gearing up for a big project, or a retail shop in Orlando that needs to stock inventory. Working capital keeps your business running while you focus on growth.
At Merchant Fund Express, we have provided working capital loans to thousands of Florida businesses ranging from ,000 to ,000,000. Rates start at 7.99% with terms up to 24 months, and most businesses receive funding within 24 hours.
Join thousands of Florida businesses that trust Merchant Fund Express
Start Your ApplicationOr call (305) 384-8391
3-minute application. Basic business info and 3 months of bank statements.
24-hour decision. Our team reviews your revenue, not just your credit.
Funds deposited directly to your bank account within 48 hours.
Use funds for anything — equipment, payroll, inventory, marketing, expansion.
Florida's economy ism driving over 0 billion annually, and a population that adds roughly 1,000 new residents every day — Florida businesses face unique cash flow challenges that working capital loans solve perfectly.
Payroll, inventory, rent, marketing, renovations — no restrictions on how you use your working capital.
Get approved in 24 hours, funded in 48. No waiting weeks for bank decisions.
Terms from 3 to 24 months. Choose the repayment schedule that works for your cash flow.
Credit scores as low as 550 accepted. We focus on your revenue, not just credit history.
| Approval Time | 24 Hours | 2-6 Weeks | 30-90 Days |
| Funding Speed | 48 Hours | 2-4 Weeks | 60-90 Days |
| Credit Score Min | 550+ | 680+ | 680+ |
| Collateral | None Required | Usually Required | Often Required |
| Flexible Payments | Flexible Payments | No — Fixed Monthly | No — Fixed Monthly |
| Documentation | Bank Statements Only | Tax Returns, Financials, Business Plan | Extensive Package |
| Approval Rate | ~85% | ~20% | ~15% |
| Use Restrictions | None | Often Restricted | Restricted |
See how much you qualify for in under 3 minutes
Get Your Free Quote (305) 384-83910,000 Funded
"A Miami Beach hospitality group operating two boutique hotels needed capital to renovate 40 rooms before peak tourist season. Banks wanted 6 weeks — high season started in 4. Merchant Fund Express approved 0,000 in just 24 hours, letting them complete renovations on time."
Result: 35% increase in room rates and 95% occupancy during peak season
0,000 Funded
"A Tampa Bay marine services company needed working capital to purchase specialized equipment for a large yacht maintenance contract. With a 580 credit score from a slow prior year, traditional lenders turned them away. Merchant Fund Express approved 0,000 with flexible revenue-based repayment."
Result: Secured 3-year maintenance contract worth M annually
5,000 Funded
"An Orlando-based restaurant chain with three locations near the theme parks wanted to open a fourth. Despite strong revenue, the owner's credit score of 590 from pandemic-era debt made banks say no. Merchant Fund Express approved 5,000 in 48 hours with payments that adjusted to their seasonal traffic."
Result: New location profitable within 60 days, now planning a fifth location
Florida businesses get approved in 24 hours. Apply now or call us.
Start Your ApplicationOr call now: (305) 384-8391
Speak with a funding specialist today. No obligation, no impact on your credit score.