Miami businesses have seven real funding paths: merchant cash advances and revenue-based financing (purchases of future receivables, not loans), lines of credit, term financing, equipment financing, bridge financing, invoice factoring, and SBA-backed loans placed through a referral partner. Each is underwritten on different terms. The right one depends on how revenue arrives — card batches, ACH, invoiced receivables, or project draws — and how fast the capital needs to land.
Core placements are businesses moving $50,000 or more a month in deposits, where pricing and terms are most favorable. Most deals that actually close fall between $20,000 and $200,000 a month. A dedicated program exists below $20,000 — built for that revenue level, not a decline.
Miami-Dade runs on engines that behave differently from a generic market: PortMiami and Miami International Airport trade, construction and development, hospitality and tourism, healthcare, logistics, and the professional services base around Brickell. Hurricane season runs June through November and touches nearly all of them. Tourist season swings from a strong November-through-April run to a quieter summer. This page maps every option, with links through to the deeper page for your product or industry.
Seven structures account for nearly every deal we see. None is universally better — each is built for a different piece of the business, and knowing which is which saves a week of back-and-forth with a funder who was never the right fit.
| Product | How it works | Fits best when |
|---|---|---|
| Merchant cash advance / revenue-based financing | Purchase of future receivables; remitted as a percentage of deposits | Revenue is card- or deposit-heavy and moves seasonally |
| Line of credit | Revolving access; draw and repay repeatedly | The need recurs rather than hitting once |
| Term financing | Lump sum, fixed repayment schedule | A defined, one-time need with runway to repay it |
| Equipment financing | Secured against the vehicle, machine, or fixture financed | Buying or replacing equipment with resale value |
| Bridge financing | Short-term capital timed to a known future event | Closing a gap before a receivable, sale, or refinance lands |
| Invoice factoring | Sale of specific outstanding invoices to a factor | B2B billing on net terms, where collection is the delay |
| SBA-backed loan (referred) | Government-guaranteed term loan through a partner lender | Strong financials and a 60- to 90-day runway to close |
Most owners already know the number they need. What's less obvious is which product matches the shape of the problem. This table starts from the situation, not the product.
| Situation | What usually fits |
|---|---|
| Slow month before high season turns | Advance or revenue-based financing |
| New delivery van, oven, or forklift | Equipment financing |
| Payroll due before a receivable clears | Bridge financing or invoice factoring |
| Recurring seasonal inventory or staffing costs | Line of credit |
| Storm damage, insurance claim in process | Bridge financing |
| Buying out a partner or opening a second location | Term financing |
| Clean financials, can wait 60 to 90 days | SBA-backed loan referral |
PortMiami and Miami International Airport anchor a trade base built on import and export cycles — customs holds, drayage scheduling, and container demurrage all sit between a shipment landing and cash clearing, and most of that trade bills on net-30 or net-60 terms. Construction and development have stayed constant through condo cycles, hospitality build-outs, and the rebuild work that follows a storm season, with draws and retainage shaping the calendar more than the contract price does. Hospitality and tourism run on a visitor calendar, with revenue arriving mostly through card batches. Healthcare practices, from solo providers to multi-location groups, carry insurance reimbursement cycles that routinely run 30 to 90 days after a claim is filed. Logistics and freight operators — concentrated as much in Doral's warehouses as near the port itself — often pay their own carriers within days while waiting 30 to 60 days to collect from shippers. Professional and financial services, clustered around Brickell, tend to run steadier revenue but with real lumps around large engagements and collections.
| Industry | Typical revenue pattern | Financing that tends to fit |
|---|---|---|
| Trade, import/export (PortMiami, Doral) | Invoiced, net-30 to net-60 | Invoice factoring, bridge financing |
| Construction & development | Draws, retainage held 5–10% | Bridge financing, receivable-backed structures |
| Hospitality & tourism | Card-heavy, seasonal | Advance / revenue-based financing |
| Healthcare practices | Insurance reimbursement, 30–90 day lag | Factoring against receivables, line of credit |
| Logistics & freight | Pay carriers in days, collect in 30–60 | Invoice factoring, advance |
| Professional & financial services (Brickell) | Steady, lumpy on large engagements | Line of credit, term financing |
Each of these gets a fuller treatment on its own page: construction funding in Miami, restaurant funding in Miami, and trucking and logistics funding in Miami.
Hurricane season runs June 1 through November 30 — half the calendar year. Deposits can dip around storm closures and evacuation orders, and insurance claims often take weeks to settle even when damage is minor. Businesses that arrange an advance, a line of credit, or bridge financing before the season, rather than mid-shutdown, keep more options and better pricing. On the other side of a storm, rebuild demand for contractors, suppliers, and equipment dealers can run for a year or more past the season's end — a genuinely different cash-flow problem from the one that preceded it.
Deposits are what most of these products underwrite first — not a credit score. Core placements run $50,000 or more a month in deposits, where the widest set of funders compete and pricing is most favorable. Most deals that close fall between $20,000 and $200,000 a month. Below $20,000, a dedicated program exists — different terms, not a different answer.
of small business financing applicants nationally received the full amount they sought, per the Federal Reserve's 2026 Small Business Credit Survey — 22% received none. Deposit strength and documentation are what tend to move an applicant from the second group to the first.
Want a range before sending anything? Run the numbers — no credit pull, and nothing leaves your browser.
An SBA-backed loan is credit — a government-guaranteed term loan carrying an interest rate, originated by a lender, not a purchase of receivables. We refer these requests to a partner lender rather than place them ourselves. The tradeoff is time: SBA processing typically runs weeks to months rather than days, and approval, amount, and rate are never guaranteed. For a Miami business with clean financials and no immediate deadline, it's often the least expensive capital available. For a payroll due Friday, it almost never is.
When not to take funding. If the shortfall repeats every month regardless of season — the business is losing money on its own operations, not just waiting on timing — financing buys a few more weeks, not a fix. A cash gap tied to a known date, like a receivable, a season, or a claim, is a good reason to fund. A structural loss is a reason to fix the model first and talk to us after.
Business funding, sorted — from Brickell. Tell us how much you need and by when, and get a straight read on which of the above actually fits.
See your options →No credit pull to talk. Business-purpose financing only. Prefer to estimate first? Run the numbers →
Under $20K a month in deposits? Most of what's above is priced for businesses doing $50K or more a month in deposits — that's the core of what we place. Funding doesn't stop below that line, though; the structure just changes. There's a program built for exactly your revenue level, and the same rule applies either way.
See what you qualify for →Handled through a funding partner. No upfront cost, and we're paid only if it funds.