Florida · Business Funding
Small Business Loans & Business Funding in Florida
Florida has 3 million-plus small businesses spread across Miami, Tampa, Orlando, Jacksonville, and dozens of smaller markets, and a tourism-heavy economy that creates real seasonal cash-flow swings. Restaurants, hospitality, construction, and trade services lead funding demand in the state. Commera Finance hand-matches Florida owners with funders that follow §559.9611's disclosure rules, so the offer you accept is one you can actually read and price.
What Florida's commercial financing law means for you
Florida Commercial Financing Disclosure Law
Effective: July 1, 2023 (HB 1353, signed June 23, 2023); applies to covered transactions of $500K or less
Citation: Fla. Stat. § 559.9611 et seq.
Florida requires commercial financing providers, including merchant cash advance funders, to give every prospective business a standardized written disclosure before the agreement is signed. The disclosure must include the total amount, finance charge in dollars, total repayment amount, estimated APR, payment amount and frequency, and prepayment policy. The obligation falls on the funder; the broker is not the disclosing party.
Applicability
Applies to sales-based-financing transactions of $500,000 or less. Bank-issued financing is exempt. Real-estate-secured transactions are excluded.
What you should expect
- A pre-signing disclosure document, not just a term sheet
- Total financing amount and total repayment amount (so you can see the dollar cost at a glance)
- Estimated APR based on the expected repayment timeline
- Clear prepayment policy, whether early payoff saves you any cost
This summary is plain-English context, not legal advice. Disclosure obligations fall on the funder, not the broker. Verify specifics with qualified Florida counsel.
Funding for Florida's key industries
Restaurants & hospitality
Tourism-driven cash flow in Miami, Orlando, Tampa, and the Keys means slow shoulder months and heavy summer / holiday seasons. MCA fits owners bridging inventory and payroll between high-revenue periods.
Auto repair & service
Florida's car-dependent economy keeps auto repair busy year-round. Equipment financing, lift installs, and parts pre-buys are common MCA use cases.
Restoration & contractors
Hurricane season creates massive insurance-claim demand for restoration contractors. MCA covers payroll and materials while insurance pays out on a longer timeline.
Retail
From Miami boutiques to Orlando tourist retailers, Florida retail uses working capital for inventory ahead of seasonal demand.
Local business funding guides in Florida
These city guides connect statewide financing rules with the demand, staffing, equipment, and payment cycles of a specific local industry.
- Boca Raton, FLMedspa & Aesthetics fundingRead the local guide
- Miami, FLRestaurants & Food Service fundingRead the local guide
- Orlando, FLRestoration & Insurance Roofing fundingRead the local guide
- Orlando, FLHospitality, Lodging & Food Service fundingRead the local guide
- Tampa, FLRestoration & Insurance Roofing fundingRead the local guide
Funding options for Florida businesses
An advisor prices these against each other for your file rather than pushing whichever one funds fastest.
How it works
How funding works for Florida businesses
1. Apply in 5 minutes
Pre-qualification is a 3-step form, monthly revenue, time in business, basic business info. No hard credit pull. Florida applicants go through the same flow as any other state.
2. We hand-match 3-5 Florida-active funders
We don't shotgun your application across 50 lenders. We pick the 3-5 funders most aligned with Florida businesses your size and industry, and all of them follow §559.9611's disclosure requirements.
3. You receive compliant offers
Every offer to a Florida business arrives with the pre-signing disclosure required by Florida law. You see the total dollar cost, estimated APR, and prepayment policy before you commit to anything.
4. Funded in 24-48 hours
Once you accept an offer and bank statements clear, funds typically wire in 24-48 hours.
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Common questions from Florida owners
Is a merchant cash advance legal in Florida?
Yes. MCAs are legal for commercial purposes in Florida. They're regulated under Florida's commercial financing disclosure provisions (Fla. Stat. § 559.9611 et seq.), which require non-bank funders to provide a standardized pre-signing disclosure for transactions of $500K or less.
What does Florida's disclosure law require my funder to show me?
Before you sign, you should receive: the total financing amount, the dollar cost (finance charge), the total repayment amount, an estimated APR, the payment amount and frequency, and the prepayment policy. The funder, not the broker, is the disclosing party.
Does Florida's hurricane season affect funding?
Some funders pause new applications in affected counties immediately after a major storm, usually because bank statement evidence is harder to verify. We work around that and route applications to funders still actively quoting in your area.
Can a Florida restaurant qualify with seasonal revenue swings?
Yes. Most MCA funders evaluate trailing 3-4 month revenue and factor in seasonality. Owners with a strong peak season and a soft shoulder season are fundable; underwriters know the rhythm of Florida tourism.
How do I get fast business funding in Florida?
Fast business funding in Florida works off your business revenue rather than a long application. Funding partners underwrite revenue-based advances and short-term loans from your last 3 to 6 months of business deposits, with owner credit usually in the 600 to 680 range as a secondary factor, so approval decisions come in days, not weeks. Equipment financing and receivables financing can move even faster because the asset or invoice backs the structure. Most of our panel funds Florida businesses under the state's commercial financing disclosure law, which requires the total repayment amount and APR in writing before you sign. We compare structures and show you the full terms side by side so the speed does not hide the cost.
What is the fastest funding option for a Florida business?
The fastest funding options for a Florida business are revenue-based advances and receivables financing, both of which underwrite off your existing revenue or invoices instead of a full credit review. With a revenue-based advance, funding partners typically review your deposits and can move from application to funding in a few days. Receivables financing funds against an invoice your client already owes you, often within 24 to 48 hours of submission. Equipment financing is also fast when the equipment value is clear. What is never the answer is skipping the state disclosure: Florida's commercial financing disclosure law requires lenders to state the total repayment and APR before you sign, and we make sure every quote we arrange shows those numbers.
See your Florida offers in 24 hours.
Three quick questions, then we shop your file across Florida-active funders and bring back the compliant offers.
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