60-second application
One short form. Three months of bank statements. That's it. No tax returns. No business plan. No landlord verification.
Direct funder in Florida
Your bank takes 60 days. We fund Florida businesses in 24 hours.
Hurricane season doesn't wait. Neither does your rent in Miami Beach or your materials order in Tampa. $5K to $2M, deposited while your bank is still requesting documents.
See What I Qualify For No credit pull · No commitment · 60 seconds
Why Florida
3.1 million small businesses. Most can't get a bank loan.
Florida's economy looks great on paper. Third-largest in the country. 137 million tourists a year. Construction permits through the roof from Jacksonville down to Homestead.
But here's what the data doesn't show: most Florida businesses run on extremely tight cash cycles. A restaurant on Ocean Drive might gross $110K in March and $45K in September. A roofing contractor in Orlando might have $300K in signed contracts and $8K in the bank because draws don't hit for 45 days. We fund both kinds of business, same day. The September dip is information, not a deal-breaker — what matters is whether the deposits come back, and they do.
We've funded over 2,400 Florida businesses. We know what a hurricane prep bill looks like. We know hospitality payroll spikes during spring break. We know construction material costs in South Florida run 15-20% higher than the national average. That's why we underwrite on cash flow, not credit scores, and why we can get you a decision the same day you apply.
$5K - $2M
Funding range
28 Hours
Avg. funding time in FL
2,400+
FL businesses funded
Who we fund in Florida
These four industries call us every week.
Tourism, construction, and the water. That's what drives Florida's economy. And all three run on cash flow that banks don't understand.
Restaurants & Hospitality
A South Beach restaurant doing $90K/month in February drops to $35K in August. That's a normal year. Owners typically need $40K-$80K before peak season to fix equipment, hire staff, and stock up. We get it to them in a day.
Construction
The I-4 corridor between Tampa and Orlando has been one giant job site for years. Condo towers in Miami. Hurricane rebuilds in Fort Myers. Florida contractors win bids but wait 45-60 days for the first draw. We cover materials and labor until the money shows up.
Retail & Tourism Shops
Gift shops near Disney. Boutiques on Las Olas. Surf shops in Cocoa Beach. Florida retail is seasonal, and the owners who stock up before November win. The ones who wait lose. We fund the inventory buy so you're ready when the tourists arrive.
Marine & Boating
More registered boats than any state in the country. Marine mechanics in Fort Lauderdale, charter captains in the Keys, boat dealers in Stuart -- all of them need capital for parts, fuel, and seasonal overhauls. Parts alone on a twin-engine repower can run $40K+.
How it works
Apply today. Funded tomorrow.
Same process whether you're in Pensacola or Key West. No callbacks. No chasing paperwork. No 6-week underwriting cycle.
Same-day decision
We read your bank deposits. September dips don't scare us if your March through May looks strong. You hear back in hours.
Capital hits your account
One signature. Money wires in 24-48 hours. Board up before the storm, buy inventory before snowbird season, or lock in that subcontractor.
Florida field note
$75K wired. 28 hours. Hurricane-ready.
Restaurant owner · Miami, FL
"Storm season was 8 weeks out. I needed impact shutters, patio reinforcement, and a backup generator. My bank wanted 45 days of paperwork. Westline wired me $75K in 28 hours. We were boarded up and generator-tested before the first advisory hit."
Common questions
Florida business funding — answered.
Do you fund Florida businesses with bad credit?
Yes. We've funded Florida businesses with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.
How fast can a Florida business get funded?
Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.
How much can Florida businesses qualify for?
$5K-$2M is the typical advance range for Florida businesses, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.
What do I need to apply?
Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.
Is this a loan?
No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.
Find out your number in 60 seconds.
No credit pull. No obligation. Miami to Jacksonville, same process, same speed.
Apply Now