Fast, flexible business funding for Miami-Dade small businesses. Get $5,000 to $5,000,000 with decisions in 24 hours and funding in 24–48 hours. 500+ credit score OK, no tax returns required under $100K. Bilingual funding specialists ready now.
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Miami is one of the most entrepreneurial cities in America, and it runs on a distinct rhythm. Cash moves through Miami-Dade differently than it does through most of the country: revenue swings with tourist season, with cruise-ship calendars, with import-export shipping cycles, and with the arrival of hurricane season every summer. A restaurant on Ocean Drive can do 40% of its annual revenue in a four-month winter window. A Doral logistics company can wait 60 days for a freight invoice to clear while payroll comes due every Friday. A Hialeah manufacturer can land a career-defining purchase order that requires $80,000 in materials before a single dollar arrives. Miami business owners do not fail because they lack customers. They get squeezed because the money comes in on a different schedule than the money that has to go out.
Merchant Fund Express is a Miami, Florida based business funding company built for exactly this reality. We were founded in 2018 and have since deployed more than $50 million to over 1,000 small businesses across all 50 states, with deep roots in our home market of South Florida. We provide fast working capital and alternative business financing to Miami-Dade companies that traditional banks either decline or drag through a 60-to-90-day underwriting process that ends long after the opportunity has passed. When a local business owner needs money to buy inventory, make payroll, repair a walk-in cooler, or say yes to a big new contract, we deliver decisions in 24 hours and funding in as little as 24 to 48 hours.
Our approval philosophy fits the Miami small business. We fund from $5,000 to $5,000,000. We accept credit scores as low as 500 because we know a strong Little Havana bakery or a busy Kendall auto shop should not be judged on a personal FICO number alone. We do not require tax returns for most requests under $100,000. We look at your actual bank deposits, your revenue consistency, and your time in business rather than forcing you to produce projections, business plans, and collateral appraisals. If your business is generating real revenue, there is almost certainly a funding solution that fits.
Just as importantly, our funding specialists speak the language of Miami. Roughly two-thirds of Miami-Dade residents speak Spanish, and a large share of the county's business owners run their companies primarily in Spanish. Our team supports applicants in both English and Spanish, so a Colombian restaurateur in Doral, a Cuban contractor in Hialeah, or a Venezuelan importer in Brickell can apply, ask questions, and get funded without a language barrier standing between them and the capital their business needs.
Whether you operate a hospitality business on Miami Beach, an import-export firm near PortMiami, a medical practice in Coral Gables, a construction company in Homestead, or an e-commerce brand shipping out of Medley, Merchant Fund Express structures financing around how your business actually earns. Explore our working capital loans, merchant cash advance, business line of credit, equipment financing, invoice factoring, and revenue-based financing options, or simply apply online and let a Miami funding specialist match you to the right product.
Miami's economy is built on hospitality, trade, construction, and services. We understand the cash flow behind each one and structure funding to match.
Inventory, payroll, equipment, seasonal staffing on the beach and beyond
Seasonal inventory, storefront buildouts, marketing for tourist traffic
Container financing, customs costs, 60-day receivable bridging near PortMiami
Materials, subcontractor payroll, retainage and progress-payment gaps
Insurance reimbursement delays, equipment, staffing across Coral Gables clinics
Law, accounting, agencies, real estate services with Net-30/60 clients
Tours, watersports, event venues, nightlife with heavy seasonal swings
Fuel, maintenance, insurance, fleet growth around Medley and Doral
Few cities are as defined by their hospitality scene as Miami. From South Beach and Ocean Drive to Wynwood's dining corridor, Little Havana's cafeterias, and the growing food halls of the Design District, restaurants and bars are a cornerstone of the local economy. They are also under constant cash flow pressure. Food and beverage costs shift weekly, kitchen and bar staff must be paid on schedule regardless of how slow a Tuesday in September was, and a single equipment failure during peak winter season can cost tens of thousands in lost covers. Merchant Fund Express funds Miami restaurants, cafes, food trucks, ghost kitchens, catering companies, and nightlife venues with working capital and merchant cash advances structured around daily card and cash deposits, so repayment naturally flexes with the pace of your business rather than fighting against it.
Miami is the gateway between the United States and Latin America, and PortMiami and Miami International Airport move an enormous volume of goods every day. Import-export firms, freight forwarders, customs brokers, and wholesale distributors clustered around Doral, Medley, and Airport West live inside a punishing cash cycle: they pay overseas suppliers, freight, and duties upfront, then wait weeks or months for domestic buyers to pay. That gap between paying for a container and collecting on it is precisely where a business gets stuck. Our invoice factoring and working capital programs convert outstanding receivables and purchase orders into immediate cash, so a Miami trade business can keep buying, shipping, and growing without waiting on slow-paying accounts.
Miami-Dade is in a permanent state of building. Condo towers in Brickell and Edgewater, single-family rebuilds in Coral Gables and Pinecrest, and commercial projects stretching out to Homestead and Kendall keep general contractors, subcontractors, and specialty trades busy year-round. But construction has one of the toughest cash flow profiles of any industry: materials and labor must be paid weeks before a general contractor releases a progress payment, and retainage withholds 5% to 10% of every draw until a project closes out. Our working capital and equipment financing solutions cover material purchases, subcontractor payroll, bonding needs, and machinery so South Florida builders can keep crews on the job and projects on schedule.
Medical practices, dental and specialty offices, home health agencies, and veterinary clinics across Coral Gables, Kendall, and Aventura share a familiar squeeze: they deliver care today but wait 30 to 90 days for Medicare, Medicaid, and private insurers to reimburse. Meanwhile, Miami's professional services firms – law offices, accounting practices, marketing agencies, and the county's vast real estate services sector – routinely bill clients on Net-30 or Net-60 terms while payroll and rent come due every month. Merchant Fund Express bridges these reimbursement and receivable gaps with working capital and a business line of credit, giving Miami's service economy the liquidity to operate without interruption.
From Brickell to Homestead, Merchant Fund Express funds small businesses in every corner of Miami-Dade County.
The financial heart of the city and a magnet for international business. We fund the restaurants, fitness studios, professional firms, and service companies that support Brickell's dense population of residents and workers, with funding structured around high rent and fast-moving urban commerce.
Miami's creative and retail engine. Galleries, breweries, boutiques, tattoo studios, and destination restaurants here depend on foot traffic and events. Working capital helps these businesses stock up before Art Basel and the busy season, then breathe during slower months.
The cultural soul of Cuban Miami, packed with family-owned cafeterias, cigar shops, restaurants, and bodegas – many run entirely in Spanish. Our bilingual specialists and 500+ credit acceptance make funding genuinely accessible to these legacy small businesses.
The county's logistics and trade corridor near Miami International Airport. Import-export firms, distributors, trucking companies, and warehouses here use invoice factoring and working capital to bridge the gap between paying suppliers and collecting from buyers.
One of the most heavily Hispanic cities in America and a hub of manufacturing, auto services, retail, and light industry. Hialeah entrepreneurs are core to who we serve: hardworking, revenue-strong businesses that banks too often overlook.
Ground zero for Miami tourism. Hotels, restaurants, bars, salons, and retail on and around Ocean Drive and Collins Avenue live and die by seasonality. Pre-season working capital lets these businesses staff up and stock up before the winter rush.
Upscale commercial districts home to law firms, medical and dental practices, boutiques, and fine dining. We help these established businesses manage receivable delays, fund expansions, and invest in equipment and renovations.
Fast-growing residential Miami, full of auto shops, contractors, medical offices, restaurants, and family businesses serving expanding suburban communities. Working capital fuels the growth that new rooftops and residents demand.
Retail, hospitality, healthcare, and professional services serving North Miami-Dade's affluent and international communities. From salons to specialty clinics, we fund the businesses that keep this corridor thriving.
Whether your business sits in a Brickell high-rise, a Hialeah warehouse, or a Homestead strip center, Merchant Fund Express funds Miami-Dade companies of every size and stage.
Decisions in 24 hours and funding in 24 to 48 hours. When a Miami opportunity or emergency hits, you do not have weeks to wait on a bank.
Apply and get funded in the language you do business in. Our bilingual specialists make funding accessible to every Miami entrepreneur.
Miami is the most bilingual major business market in the United States. More than 65% of Miami-Dade residents speak Spanish at home, and a huge share of the county's small businesses are owned and operated by first-generation entrepreneurs from Cuba, Colombia, Venezuela, Nicaragua, Argentina, Brazil, Haiti, and across the Caribbean and Latin America. For many of these owners, the biggest obstacle to getting funded is not their revenue or their work ethic – it is a financial system that expects them to navigate complex applications, jargon, and underwriting entirely in English.
Merchant Fund Express removes that barrier. Our funding specialists work with Miami business owners in both English and Spanish. You can call (305) 384-8391 and speak with someone who understands your business and your language, ask every question in the terms you are comfortable with, and understand exactly what you are agreeing to before you sign. Ofrecemos financiamiento comercial rapido para negocios en Miami: desde $5,000 hasta $5,000,000, con decisiones en 24 horas y fondos disponibles en 24 a 48 horas. Aceptamos puntajes de credito desde 500 y no requerimos declaraciones de impuestos para la mayoria de las solicitudes menores de $100,000.
This bilingual approach matters because so much of Miami's real economy runs in Spanish. The cafeteria owner on Calle Ocho, the contractor in Hialeah, the importer moving goods through Doral, the salon owner in Westchester – these are exactly the businesses that generate strong, consistent revenue but get turned away by big banks that judge them on credit score and paperwork rather than performance. We built our process to say yes to the hardworking Miami entrepreneur, in the language they do business in.
For Spanish-speaking business owners exploring their options, we also maintain dedicated Spanish-language funding resources covering merchant cash advances (anticipo de efectivo) and working capital. Whether you prefer to read, call, or apply in English or Spanish, our team is ready to help you get funded. Simply apply online or call our bilingual specialists directly.
Almost every Miami business is a seasonal business, whether the owner thinks of it that way or not. Two forces dominate the local cash flow calendar: tourism season and hurricane season. Understanding how they pull against each other is the single most useful thing a Miami owner can do to plan their working capital needs – and getting ahead of them is exactly what smart funding is for.
Miami's peak season runs roughly from November through April, when snowbirds, international travelers, and event crowds pour into the city to escape northern winters. Restaurants, hotels, bars, tour operators, watersports companies, retailers, salons, and rideshare-adjacent businesses can do the majority of their annual revenue in this window. Art Basel in December, Miami Music Week and Ultra in March, boat shows, food and wine festivals, and a packed calendar of conventions all concentrate demand into a few intense months.
The challenge is that you have to spend money before the season to capture it. You need to hire and train staff in October, stock inventory in advance, renovate and repair during the slow months, and fund marketing before the crowds arrive. Pre-season working capital is one of the highest-return uses of financing a Miami business can make: borrow in the fall, deploy it to get ready, and repay as the winter revenue rolls in. A hospitality business that shows up to December fully staffed and stocked captures dramatically more than one still scrambling to get organized once the crowds are already here.
The flip side of a huge winter is a soft summer. Many Miami businesses see revenue drop sharply from May through September while fixed costs – rent, insurance, key staff, equipment leases – keep coming due at full price. Off-season working capital and a business line of credit help owners smooth these slow months without laying off trained staff they will need again in November or falling behind on obligations. The businesses that survive Miami summers in the strongest position are the ones that planned their cash flow around the dip instead of being surprised by it.
Atlantic hurricane season runs from June 1 through November 30, overlapping the slow summer and threatening the start of peak season. For Miami businesses, hurricanes create a double financial hit: the cost of preparing (shutters, generators, boarding up, stocking supplies, lost days when the city shuts down) and the cost of recovering (spoiled inventory, repairs, cleanup, and lost revenue during closures). Insurance, when it pays, often takes weeks or months to reimburse – and rarely covers lost income in full.
This is one of the most important reasons Miami businesses keep fast funding on standby. When a storm is in the forecast, you may need cash within 24 to 48 hours to prepare. After a storm, you may need working capital to replace spoiled stock, repair damage, cover payroll during a closure, and reopen ahead of competitors. Merchant Fund Express provides the speed that a hurricane timeline demands – decisions in 24 hours and funding in as little as 24 to 48 hours – so a weather event becomes a manageable expense instead of the end of your business. Planning your funding before the season, and knowing exactly who to call when a storm forms, is a core part of running a resilient South Florida company.
One size never fits all. Merchant Fund Express offers a full menu of business funding products so we can match Miami companies to the structure that fits how they actually earn.
A lump sum from $5,000 to $5,000,000 with a fixed daily, weekly, or monthly repayment schedule. The workhorse product for covering payroll, inventory, rent, and everyday operating costs. Explore working capital loans →
Funding repaid as a percentage of your daily card and bank deposits, so payments flex with your sales – ideal for Miami restaurants, bars, and shops with heavy seasonal swings. Explore MCA →
A revolving credit facility you draw from as needed and repay as revenue allows, paying interest only on what you use. Perfect for smoothing Miami's seasonal peaks and valleys. Explore line of credit →
Funding to buy or repair the equipment your business runs on – commercial kitchen gear, refrigeration, trucks, salon chairs, medical and construction machinery – without draining cash reserves. Explore equipment financing →
Convert unpaid invoices into immediate cash. Built for Miami's import-export firms, distributors, staffing agencies, and any B2B business waiting on slow-paying commercial clients. Explore invoice factoring →
Fixed daily or weekly ACH payments calibrated to your revenue – a balance of predictability and flexibility for businesses whose monthly income swings with the season. Explore revenue-based financing →
Not sure which product fits your business? That is what our specialists are for. We review your bank statements, your revenue pattern, and your specific funding need, then recommend the structure that gives you the most capital at the lowest effective cost. Browse all of the industries we serve or apply online to get matched to the right Miami funding solution.
Real situations where fast capital keeps a Miami-Dade business moving forward instead of falling behind.
A South Beach restaurant knows December through March is when it earns most of its year. In October it borrows working capital to hire and train servers, deep-clean and repair the kitchen, and stock the bar and walk-in before the crowds arrive. By January the season is in full swing and the advance is repaying itself out of nightly sales. Showing up ready, instead of scrambling, is the difference between a good season and a great one.
A Doral distributor lands a large purchase order from a national retailer but has to pay its overseas supplier, freight, and customs before a single unit sells. With invoice factoring and working capital, the business turns its outstanding invoices into cash immediately, pays its suppliers on time, and never has to turn down growth because the money is tied up in transit.
The refrigeration line at a Hialeah market fails on a holiday weekend, threatening thousands in inventory. A same-day working capital advance covers the emergency repair and lost stock so the store stays open and the loss stays small. Equipment breaks on its own schedule, not yours – fast funding turns a disaster into a line item.
A Homestead contractor is three weeks into a job but the general contractor's progress payment is still 30 days out, with retainage held back on top. Working capital covers subcontractor and crew payroll so the project stays on schedule and skilled workers stay on the team, then repays when the draw finally clears.
A successful Little Havana cafe wants to open a second location in Kendall. Buildout, equipment, permits, and initial staffing all require cash months before the new spot earns a dollar. A working capital loan or line of credit funds the expansion so a thriving single location becomes a growing local brand.
Miami business owners have no shortage of places that will pitch them money, and plenty of them are national call centers that have never set foot in South Florida and do not understand the difference between a beachfront restaurant and a Hialeah machine shop. Merchant Fund Express is different. We are a Miami-based company that has spent years funding businesses in this exact market, and we bring a combination of speed, flexibility, and local understanding that big banks and faceless lenders simply cannot match.
Speed is where we start. A traditional bank loan can take 30, 60, or 90 days – an eternity when a hurricane is forming, a piece of equipment just died, or a supplier is offering a discount that expires this week. We deliver decisions in 24 hours and funding in as little as 24 to 48 hours. That speed is not a gimmick; it is the entire point. Money that arrives after the opportunity has passed is worthless, and Miami moves fast.
Flexibility comes next. Rather than forcing every business into one product, we offer working capital loans, merchant cash advances, lines of credit, equipment financing, invoice factoring, and revenue-based financing, then match you to the structure that fits how your business earns and repays. A restaurant with heavy card volume, a B2B importer with slow receivables, and a contractor waiting on progress payments each need something different, and we have all three.
Access is the third pillar. We accept credit scores as low as 500, require no tax returns for most requests under $100,000, and ask for no collateral on most products. We judge your business on real deposits and real performance, not a credit report and a stack of projections. Combined with bilingual English and Spanish support, that approach opens the door to the hardworking Miami entrepreneurs the traditional system too often shuts out.
Finally, there is trust. Since 2018, Merchant Fund Express has deployed more than $50 million to over 1,000 small businesses and earned a 4.8 out of 5 rating from the owners we serve. We fund in all 50 states, but South Florida is home, and we treat Miami businesses like the neighbors they are. When you call (305) 384-8391, you reach a team that wants to see your business grow – and has the products and speed to help make it happen.
Our requirements are built for real Miami-Dade small businesses – not just companies with perfect credit and years of paperwork.
| Requirement | Our Standard | Why It Matters in Miami |
|---|---|---|
| Time in Business | 3+ months | We fund young Miami businesses that banks won't touch. Just three months of operating history qualifies you to apply. |
| Monthly Revenue | $10,000+ average | We size funding on your actual bank deposits, so a strong-revenue restaurant or shop qualifies on performance, not projections. |
| Credit Score | 500+ accepted | Credit challenges do not disqualify you. Revenue and cash flow carry far more weight than a personal FICO score. |
| Bank Statements | 3 months | Three months of business statements let us evaluate your deposits, consistency, and average balances quickly. |
| Tax Returns | Not required under $100K | Most requests under $100,000 need no tax returns – a huge advantage for cash-based Miami small businesses. |
| Language | English & Spanish | Apply, ask questions, and get funded in the language you do business in, with bilingual specialists. |
| Collateral | Not required | Most of our products are unsecured – no real estate, equipment, or inventory pledge required to get funded. |
Getting funded through Merchant Fund Express takes minutes, not months. Here is exactly what to expect.
Complete our short application at merchantfundexpress.com with basic business details and your requested amount. No business plan, no tax returns for most requests under $100K. Prefer to talk? Call (305) 384-8391 and apply with a bilingual specialist.
Upload three months of business bank statements through our secure portal. Our team reviews your file and returns a decision in 24 hours, often the same day – with a clear funding offer and no confusing fine print.
Review your offer, ask questions, and sign electronically. Funds are deposited directly into your Miami business bank account – typically within 24 to 48 hours of signing. No waiting, no bureaucracy.
To move fast, have these items on hand before you start:
That is it. Whether you are a first-time applicant in Little Havana or an established firm in Coral Gables, our goal is to get you funded as fast as possible with as little friction as possible. Start your application now or call (305) 384-8391 to speak with a specialist today.
Answers to the questions Miami-Dade business owners ask most before they apply.