Miami businesses draw on six main working-capital structures: merchant cash advances and revenue-based financing (purchases of future receivables), lines of credit, term financing, equipment financing, bridge financing, and invoice factoring. Which one fits depends on how your revenue arrives — card batches, ACH, invoiced receivables, or project draws — and how fast you need funds to move. Core placements across these products are Miami businesses running $50,000 or more a month in deposits; most deals close between $20,000 and $200,000 a month; a dedicated program exists below $20,000.
Miami-Dade's commercial base runs on a handful of real engines: PortMiami and Miami International Airport trade and logistics, tourism and hospitality, construction, healthcare, and the professional and financial services concentrated around Brickell. Each pulls working capital differently. This page is the map — survey-level detail on all six products, and where to go for the deeper version of each.
Six structures cover nearly every situation we see. The right one turns on how revenue arrives and how quickly you need capital in hand, more than on the industry label alone.
| Product | How it works | Fits best when |
|---|---|---|
| Merchant cash advance / revenue-based financing | Purchase of future receivables; remitted as a % of deposits, not a loan | Revenue is card- or deposit-heavy and moves seasonally |
| Line of credit | Revolving access; draw and repay repeatedly | Need is recurring, not a single lump sum |
| Term financing | Lump sum, structured repayment over a set period | A defined, one-time capital need with a longer runway |
| Equipment financing | Secured against the equipment being financed | Buying or replacing vehicles, machinery, or fixtures |
| 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 | Revenue is B2B, invoiced, and collection is the actual delay |
Miami-Dade's economy isn't one thing — it's several real engines running side by side. PortMiami and Miami International Airport anchor a logistics and trade base that moves on global shipping cycles, concentrated in Doral's warehouses and freight terminals as much as anywhere near the port itself. Tourism and hospitality run on a seasonal calendar tied to snowbird season and hurricane season alike. Construction has stayed a steady presence through cycles of condo development and post-storm rebuild work.
Healthcare practices, from solo practitioners to multi-location groups, are a growing share of the base, with real concentrations around Coral Gables and further west. Hialeah carries a meaningful share of the county's manufacturing and light-industrial activity, distinct from the service and retail economy along the coastal corridor. Wynwood's retail, hospitality, and creative-economy businesses run a different deposit pattern again — card-heavy, foot-traffic-driven, and acutely seasonal. And Brickell, where we're based, is where much of the professional and financial services activity concentrates. None of this is trivia; it's the reason a working-capital conversation for a Doral freight forwarder and a Wynwood restaurant starts from different numbers before revenue even comes up.
When revenue is deposit-heavy — card batches, ACH, or a blend — and moves in a pattern a fixed loan payment doesn't accommodate: seasonal swings, a hurricane-season closure, or a slow month that a fixed calendar payment doesn't care about. Full detail on how this works specifically in Miami, including which industries lean on it most and how hurricane season changes the picture, lives on two pages: Merchant Cash Advance in Miami and Revenue-Based Financing in Miami — the second covers a distinction worth knowing before you search further, since nationally the same term also describes SaaS funding, which is not what this is.
When the need is recurring rather than a single event — covering payroll gaps between invoiced jobs, seasonal inventory buys, or general cash-flow smoothing across a year with predictable peaks and troughs. A line of credit is drawn against and repaid repeatedly, with cost tied to what's actually drawn, not the full facility. It generally requires a cleaner credit and banking profile than an advance — better economics for a business that qualifies, less accommodating for one that doesn't yet.
| Merchant cash advance / revenue-based financing | Line of credit | |
|---|---|---|
| Structure | Purchase of future receivables, one lump sum | Revolving; draw and repay repeatedly |
| Repayment | % of deposits, not a loan | Debt, repaid on drawn balance |
| Qualifying profile | More accommodating of thin credit, strong deposits | Generally requires cleaner credit and banking history |
| Best fit | Seasonal or uneven revenue, one-time need | Recurring, predictable capital needs |
Equipment financing is secured by the asset itself — a delivery truck for a Doral distributor, kitchen equipment for a Wynwood restaurant build-out, machinery for a Hialeah manufacturer. Because the equipment is the collateral, terms often extend longer than an advance and pricing can be more favorable, provided the equipment holds resale value and the purchase is well documented. It's a narrower tool than the others on this page, built for one kind of need, but often the least expensive capital here when that need is the one you actually have.
Bridge financing is short-term capital timed to a known, specific future event — a receivable contracted to land in 60 days, a property closing, a refinance already in motion. It isn't a general-purpose product; it's built to close a gap with a visible end date. Invoice factoring works differently: rather than borrowing against future revenue broadly, a business sells specific outstanding invoices to a factor and receives an advance against them. That suits B2B operators — freight forwarders and import-export businesses billing on net-30 or net-60 terms are common examples in this market — where the real problem isn't revenue, it's collection timing.
Across nearly all of these products, deposits are what a funder underwrites 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 actually close fall between $20,000 and $200,000 a month. Below $20,000 a month, a dedicated program exists — a different structure, built for that revenue level, not a decline. Want an indicative range before sending anything? Run the numbers — no credit pull, and nothing leaves your browser.
Working capital, handled — 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.