SERVING MIAMI BUSINESSES SINCE 2018
Miami's economy is one of the fastest-growing in the nation. Whether you run a restaurant in Little Havana, a construction company in Doral, or a retail shop in Wynwood, MFE delivers the capital you need — fast.
Funding Available Up To
$500,000
For Miami Businesses
Decisions in as little as 4 hours
Miami businesses can access $5,000 to $500,000 in working capital, equipment financing, merchant cash advances, or invoice factoring through MFE — often funded within 24-48 hours. Requirements: 3+ months in business, $8,000+/month in revenue, 500+ credit score. ITIN accepted. No lengthy bank applications, no collateral required for most products.
Understanding the economic environment where your business operates.
Miami-Dade County is home to one of the most entrepreneurial ecosystems in North America. With over 490,000 registered small businesses, a massive immigrant entrepreneur base, and industries spanning hospitality, construction, healthcare, and international trade, Miami businesses generate significant revenue — but they also face significant cash flow challenges.
The seasonal nature of tourism, high commercial rents in areas like Brickell and South Beach, and the capital-intensive demands of construction and foodservice make access to fast, flexible funding critical. Traditional banks in Miami are notoriously slow and selective, often requiring 2+ years of financials and collateral that many small business owners don't have.
MFE was built specifically for business owners like you — whether you need $20,000 to cover payroll during a slow season, $150,000 to buy commercial equipment, or $75,000 to fund a restaurant buildout in Wynwood.
Miami's economy is driven by five dominant sectors — we specialize in all of them.
Miami's 10,000+ restaurants and hospitality businesses are the backbone of the local economy. We fund equipment upgrades, renovations, seasonal working capital, and more for foodservice operators citywide.
Miami's construction boom — from luxury condos to commercial buildouts — creates constant capital needs. We fund general contractors, roofing companies, plumbers, electricians, and specialty trade businesses.
From Miracle Mile boutiques to online retailers operating out of Miami warehouses, retail businesses need inventory capital, seasonal financing, and growth funding. We deliver it fast.
Medical clinics, dental offices, chiropractic practices, and home health agencies across Miami rely on equipment financing and working capital loans to manage billing cycles and expand services.
Miami's role as a gateway to Latin America makes it a hub for freight, trucking, and logistics companies. We finance truck purchases, fleet expansion, and working capital for transportation operators.
Miami is the trade capital of the Americas. Import/export businesses, freight forwarders, and international trade companies regularly need invoice factoring and working capital to bridge payment gaps.
Six flexible financing options designed for Miami's diverse business community.
$10,000 to $500,000 for payroll, inventory, rent, marketing, or any operational need. Fixed daily or weekly payments. No collateral required. Learn more
Apply NowDraw funds as needed up to your approved limit. Pay interest only on what you use. Revolving access for ongoing cash flow management. Learn more
Apply NowAdvance against your future revenue. Repay as a fixed daily ACH deduction — payments flex with your business cycle. Ideal for restaurants, retail, and service businesses. Learn more
Apply NowFinance commercial equipment up to $500,000. Terms up to 60 months. The equipment itself serves as collateral — lower credit score requirements. Learn more
Apply NowConvert outstanding invoices into immediate cash. Advance up to 90% of invoice value. No waiting 30-90 days for clients to pay. Learn more
Apply NowRepay through fixed daily or weekly ACH payments as a portion of your revenue. Straightforward and predictable — not a credit card split. Learn more
Apply NowSee how we compare to traditional banks and other online lenders.
| Criteria | MFE | Big Banks (Chase, BofA) | Other Online Lenders |
|---|---|---|---|
| Approval Time | 4-24 hours | 2-8 weeks | 1-5 business days |
| Funding Speed | 24-48 hours | 2-4 weeks after approval | 2-7 days |
| Min. Credit Score | 500 | 680+ | 550-600 |
| ITIN Accepted | Yes | No | Rarely |
| Min. Time in Business | 3 months | 2+ years | 6-12 months |
| Collateral Required | Not typically | Yes — real estate or assets | Sometimes |
| Application Length | 5 minutes online | Hours of paperwork | 20-45 minutes |
| Bilingual Support | Yes (Spanish) | Limited | Rarely |
Miami Success Story
A Cuban-owned restaurant on Calle Ocho had been operating for 4 years with strong revenue — averaging $42,000 per month — but the owner's credit score of 570 made traditional bank financing impossible. When a second location opened up nearby, he needed capital fast.
MFE approved a $95,000 merchant cash advance in 18 hours. The advance was repaid through fixed daily ACH payments over 8 months. The second location opened on schedule, and within 6 months it was generating $28,000 per month in additional revenue.
"The bank laughed at me. MFE funded me in a day. I now have two restaurants and I'm looking at a third." — Miami Restaurant Owner
Three steps. No long waits. No bank appointments.
Complete our secure online application. Basic business info, 3 months of bank statements, and a government-issued ID. No lengthy forms — it takes about 5 minutes.
Our underwriting team reviews your application within 4-24 hours and presents you with clear funding options, amounts, and payment structures. No surprises.
Once you accept your offer and sign the agreement, funds are deposited directly to your business bank account — typically within one business day.
Yes. MFE works with Miami business owners with credit scores as low as 500. We evaluate your business revenue and cash flow, not just your credit score. Many Miami entrepreneurs — including those who've faced setbacks — qualify for working capital or MCA products.
Absolutely. We fund businesses across all Miami-Dade County neighborhoods including Little Havana, Wynwood, Hialeah, Coral Gables, Aventura, Doral, Miami Beach, Overtown, Liberty City, and Kendall.
Yes. MFE accepts ITIN (Individual Taxpayer Identification Number) in place of a Social Security Number. This is especially important in Miami's large immigrant business community. You can apply with an ITIN and a Florida business license.
Most Miami businesses receive a funding decision within 4-24 hours of submitting a complete application. Funds are typically deposited within 24-48 hours of approval. For MCA products, same-day funding is sometimes possible.
We require a minimum of $8,000 per month in gross business revenue. Your business must also be at least 3 months old and operating in Miami or South Florida. A Florida business license or DBA is required.
Yes. Restaurants are one of our most frequently funded business types in Miami. We understand the seasonal nature of Miami's hospitality sector and offer working capital, MCA, and equipment financing specifically suited for restaurant operators.
You should have a registered business entity in Florida — either a Florida LLC, corporation, or a registered DBA (fictitious name) with the Florida Division of Corporations. This verifies your legal operation in Miami.
We fund businesses across Miami's top industries including restaurants and hospitality, construction contractors, retail shops, healthcare practices, transportation and logistics companies, beauty salons, import/export businesses, and more.
Get funded in as little as 24 hours. No commitment required to check your options.
Apply in 5 MinutesOr call: (305) 384-8391
Explore related pages:
Working Capital Loans
Equipment Financing
Invoice Factoring
Merchant Cash Advance
ITIN Business Funding
Industries We Fund
Get Funded Fast — Miami Businesses
Apply NowExpertise: Our team includes certified funding specialists with years of experience helping businesses access capital.
Trust & Transparency: We're committed to transparent lending practices with no hidden fees or surprise terms.
Fast Approvals: Our streamlined process provides decisions within 24 hours in most cases.
Flexible Solutions: We work with you to customize funding solutions that match your specific business needs and cash flow.