Get $5K to $5M in working capital for your Miami business. Fast approval, same-day funding, and flexible repayment options designed for the Miami market.
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Miami Small Businesses
Metro GDP
Miami is the gateway to Latin America and the Caribbean, with the largest concentration of international banks in the United States. The city's $345 billion metropolitan GDP is driven by international trade, tourism, real estate, and an exploding technology sector. Miami has emerged as a major tech hub, with companies like Citadel, Blackstone, and dozens of fintech and crypto firms relocating from New York and Silicon Valley. The Port of Miami is the world's busiest cruise port and a top container port, while Miami International Airport handles more international freight than any US airport.
Tourism and hospitality anchor Miami's economy, with over 26 million visitors annually generating $18 billion in spending. International trade is massive, as Miami serves as the financial and logistics bridge between the US and Latin America. Real estate development is a perennial powerhouse, with billions in construction projects reshaping the skyline annually. The tech sector has exploded post-pandemic, earning Miami the nickname "Silicon Beach." Healthcare is a major employer, led by Baptist Health, Jackson Health System, and the University of Miami Health System. The cruise industry alone supports over 300,000 jobs regionally, with Royal Caribbean and Carnival Corporation headquartered here.
No matter what industry you operate in across Miami, Merchant Fund Express understands the unique capital needs of your business. We have funded thousands of businesses across every sector, from Tourism & Hospitality to Technology, providing the fast, flexible capital that Miami entrepreneurs need to compete and grow.
We provide business financing to virtually every industry in the Miami metropolitan area. Our most active sectors include:
Major employers like Royal Caribbean, Carnival Corporation, Baptist Health, Citadel, World Fuel Services, Lennar create a thriving ecosystem of suppliers, contractors, and service providers that all need working capital to grow. Whether you serve these corporate giants or the 470,000 residents of Miami, we have a funding solution for your business.
See how Merchant Fund Express compares to traditional Miami banks when it comes to getting the business capital you need:
| Feature | City National Bank of Florida | Merchant Fund Express |
|---|---|---|
| Approval Time | 30-90 days | 24 hours |
| Min. Credit Score | 680+ | 500 |
| Time in Business | 2+ years | 4+ months |
| Collateral Required | Yes - property/assets | No collateral |
| Documentation | Tax returns, financials, business plan | 3 months bank statements |
| Funding Amount | $50K minimum | $5K - $5M |
| Approval Rate | ~20-30% | 95% |
| Prepayment Penalty | Often yes | Usually none |
Real Miami businesses that grew with Merchant Fund Express funding:
Expanded from 40 seats to 120 with a new outdoor terrace on Calle Ocho. The restaurant now serves 500+ customers daily and has been featured on the Food Network. Funding was approved in 24 hours.
Added two vessels to their fleet during peak tourism season. The investment generated $1.5 million in charter revenue in the first season and created 8 captain and crew positions.
Converted a warehouse into a 15,000 sq ft creative workspace. Reached 95% occupancy within 4 months, attracting tech startups and freelancers relocating from New York and San Francisco.
Florida's Office of Financial Regulation (OFR) oversees commercial lending activities in the state. Florida does not have a state income tax, making it especially attractive for business owners. The Florida Consumer Finance Act and Florida Securities Dealer laws govern various lending products. Florida has been proactive in creating a fintech-friendly regulatory sandbox for innovative lending products. Merchant Fund Express, headquartered in Miami, maintains full compliance with all Florida OFR regulations and provides transparent disclosure of all financing terms.
In addition to Miami, Merchant Fund Express provides business funding throughout the Miami metropolitan area including:
We serve businesses in all Miami neighborhoods including Brickell, Wynwood, Little Havana, Coconut Grove, Design District, Doral, Coral Gables, Little Haiti, and all surrounding communities. No matter where your business is located in the Miami metro area, we can help.
Join thousands of Miami businesses funded by MFE.
Apply Now (305) 384-8391Everything you need to know about getting business funding in Miami, FL.
Speak with a funding specialist today. No obligation, no impact on your credit score.