Funding by State › Florida › Miami
By Anthony Collin, CEO, Smart Business Funding. $500M+ funded since 2014. Updated October 2026.
Smart Business Funding provides merchant cash advances of $10,000 to $5,000,000 to Miami businesses. Repayment is a fixed daily or weekly payment, we use a soft credit pull only, offers usually arrive in 1 to 5 hours on a complete file, and funding usually takes 24 to 48 hours. We fund Miami businesses online from our office at 2420 NE 186th St in North Miami Beach. You apply directly with us and work with us, not a broker or middleman.
Miami small business snapshot
Miami businesses run on seasons: winter visitors, holiday events and summer slowdowns. Working capital can bridge the gap between the cost of preparing and the revenue that follows.
Figures for Miami-Dade County as reported by the sources listed at the bottom of this page.
Miami industries we fund
- Restaurants and hospitality: Restaurants, cafes and hotels run on seasonal traffic. Working capital can cover payroll and inventory before the busy season.
- Retail and boutiques: Miami-Dade retail sales were about $67.1 billion in 2022. Funding can help a shop stock up before peak demand.
- Transportation and logistics: With a large transportation and warehousing sector, carriers and logistics firms use funding for fuel, repairs and payroll between invoices.
- Construction and contractors: Contractors fund materials, crews and equipment while they wait on draws and payments.
- Healthcare practices: Medical, dental and wellness practices use funding for equipment, staffing and expansion.
Not on the list? See all the industries we fund.
How Miami businesses use working capital
- Stocking inventory ahead of the winter high season
- Covering payroll and fuel while waiting on receivables
- Upgrading kitchen, salon or medical equipment
- Opening a second location or extending hours
How a merchant cash advance works
A merchant cash advance gives your business a lump sum of working capital. It is not a loan, so the cost is set by a factor rate instead of an interest rate, and you know your total repayment before you accept. For example, $50,000 at a 1.35 factor rate over 10 months repays $67,500, with a fixed daily payment of $321.43. Our in-house Direct Fund program uses factor rates of 1.25 to 1.49 for prime files and 1.309 to 1.499 for higher-risk files, with fees of 5% to 10%. See the exact structure on our Transparent Terms page, learn the basics on our merchant cash advance page, or estimate your payment with our calculator. If you are weighing options, read merchant cash advance vs. line of credit.
Who can apply in Miami
- At least 1 year in business
- At least $5,000 in monthly revenue
- Soft credit pull only, with a minimum credit score of 500
- Funding from $10,000 to $5,000,000
See what your Miami business qualifies for
Offers in 1 to 5 hours on a complete file, funding in 24 to 48 hours, up to $5,000,000. No cost to apply, no obligation.
Miami funding questions
Do you fund businesses in Miami?
Yes. We fund Miami businesses online from our office at 2420 NE 186th St in North Miami Beach. You apply directly with us and you work with us, not a broker or middleman. To qualify, you need at least 1 year in business and at least $5,000 in monthly revenue.
How much funding can a Miami business get?
Smart Business Funding provides merchant cash advances from $10,000 to $5,000,000. The amount you qualify for depends on your revenue and time in business, and the total repayment is shown in your written offer.
How fast can a Miami business get funded?
Offers usually arrive in 1 to 5 hours on a complete file, and funding is usually 24 to 48 hours for the whole process from application. As little as 24 hours is possible.
Do I need strong credit to qualify in Miami?
We use a soft credit pull only, so applying does not affect your credit score. The minimum credit score for our Direct merchant cash advance is 500.
Will I receive a written cost disclosure before signing in Florida?
Yes. Florida's Commercial Financing Disclosure Law (Fla. Stat. 559.961 et seq.) requires providers to give a written disclosure (total funds provided, total dollar cost, total repayment and payment details) for covered commercial financing of $500,000 or less. Smart Business Funding provides written terms for every offer, including your total funds provided, total repayment, total cost and payment schedule, before you sign. This is general information, not legal advice.
Which Miami industries do you fund?
We fund restaurants and hospitality, retail and boutiques, transportation and logistics, construction and contractors, healthcare practices, and many other industries. See all of them on our industries page.
Florida funding and disclosures
Florida applicants: Florida's Commercial Financing Disclosure Law (Fla. Stat. 559.961 et seq.) requires providers to give a written disclosure (total funds provided, total dollar cost, total repayment and payment details) for covered commercial financing of $500,000 or less. Smart Business Funding provides written terms for every offer, including your total funds provided, total repayment, total cost and payment schedule, before you sign. This is general information, not legal advice.
See our full Florida business funding page, or browse funding by state.
Also serving: New York CityLos AngelesChicagoHoustonDallasAtlantaPhoenix
Sources
This page is general information, not legal, tax or financial advice. Funding is subject to underwriting and approval. Amounts, pricing, fees and timing vary by applicant.
