Business Loans in Miami, FL
Miami businesses run on trade, travel, and turnover that rarely waits for a bank committee. Importers pay suppliers before containers clear. Restaurants staff up for season months before the season pays them back.
RAN Funding is a business funding broker based in the Broward County area, minutes north of Miami. We are not a direct lender. We take your file, package it, and place it with lenders in our network.
Be clear on cost before you apply. This kind of capital is priced higher than a traditional bank loan. You are paying for speed, flexible credit standards, and a decision in hours instead of weeks.
Hablamos español. Si prefiere revisar sus opciones en español, visite Préstamos para negocios.
Funding for Miami businesses, by industry
Import, export and international trade
Trade companies pay overseas suppliers up front and wait on the buyer side. That is a cash flow problem, not a profit problem. A business line of credit fits best, because you draw only when a shipment demands it.
Restaurants and hospitality
Card volume swings hard between season and summer. A merchant cash advance repays as a percentage of daily card sales. Slow week, smaller payment.
Logistics and trucking near the port and airport
Freight and drayage operators front fuel, tolls, and driver pay, then invoice on terms. A short working capital loan is usually the cleanest fix.
Construction and trades
Subcontractors carry material and labor costs for weeks before a draw clears. Retainage holds back part of the money longer still. A business term loan lets you take the next job without draining the account.
Healthcare and specialty clinics
Clinics buy equipment, build out suites, and wait on insurance reimbursement. A term loan suits the buildout; a line of credit covers the reimbursement lag.
Where Miami businesses cluster
Miami’s commercial base is concentrated in a handful of corridors, and the funding need changes with each one. Doral and Medley carry the trade and logistics economy feeding PortMiami and MIA — importers, customs brokers, freight forwarders and drayage operators, almost all of them paying out before they get paid.
Hialeah runs to light manufacturing, wholesale and distribution, where inventory and equipment drive the capital need. Brickell and downtown are professional services billing on terms. Wynwood, Midtown and the Beach are hospitality and retail, where card volume is seasonal and a repayment tied to daily sales usually fits better than a fixed monthly payment.
The practical consequence: two Miami businesses with identical revenue often need different products, because one is waiting on a container and the other is waiting on a slow August.
What Miami businesses use funding for
- Paying overseas suppliers or clearing customs and freight charges
- Buying inventory ahead of season or a large purchase order
- Covering payroll during a slow summer stretch
- Kitchen equipment, refrigeration, or a dining room refresh
- Trucks, trailers, forklifts, and repair bills
- Material costs on a construction job before the draw arrives
- Rent, insurance, and license renewals that land at once
- Bridging a large invoice a customer is paying at 60 days
How much can a Miami business get?
| Monthly revenue | Estimated funding range |
|---|---|
| $20,000 | $16,000 – $30,000 |
| $30,000 | $24,000 – $45,000 |
| $50,000 | $40,000 – $75,000 |
| $100,000 | $80,000 – $150,000 |
| $250,000+ | $200,000 – $375,000+ |
Estimates, not offers. Most amounts land between 80% and 150% of monthly sales.
How to qualify
| Requirement | What lenders look for |
|---|---|
| Monthly deposits | $20,000 or more |
| Time in business | 1 year or more |
| Documentation | 3 to 6 months of business bank statements |
| Registration | Active Florida registration and a business bank account |
Meeting these does not guarantee approval. Each lender weighs deposits, negative days, and existing balances differently.
How fast can you get funded in Miami?
Most files get a decision within hours of a complete submission. Funding commonly lands in 24 to 48 hours after you sign. Same-day happens, but we will not promise it.
Compare that to a bank. A traditional bank loan usually takes weeks. The tradeoff is real, and it is cost.
Small business lending in Miami, neighborhood by neighborhood
The city of Miami is not one market. What a business needs, and how fast it needs it, changes street by street.
Brickell and Downtown. Agencies, professional practices and clinics working on net-30 and net-60 corporate terms. The revenue is booked long before it lands, so most of these files are bridging receivables rather than buying anything.
Wynwood, the Design District and Edgewater. Hospitality, retail and studios carrying high rent against footfall that swings hard with the season and the events calendar.
Little Havana, Allapattah and Flagami. Family-run food, auto and wholesale businesses, a large share of them operating day to day in Spanish. Equipment replacement and inventory buys dominate.
Coconut Grove, Coral Way and the Roads. Independent retail and professional practices, steadier month to month, usually funding an expansion rather than a gap.
Little Haiti, Liberty City and Overtown. Service businesses and contractors on short payment cycles, where a two-week delay on one job is enough to squeeze payroll.
Miami, or the rest of Miami-Dade?
This page is for businesses inside the city of Miami. If you operate in Hialeah, Doral, Homestead, Aventura, Coral Gables, Miami Gardens or any of the other municipalities, the Miami-Dade County page covers the same options with the sectors that are actually common out there.
Either way the file is read the same way. Funders work from the deposits in your business bank statements, not from the address at the top of them.
Frequently asked questions
Is RAN Funding a lender?
No. We are a broker and ISO. We package your file and place it with lenders in our network.
How much does this cost compared to a bank?
More. Speed and flexible credit standards carry a premium. We show you the numbers before you sign anything.
Will applying hurt my credit?
Review typically starts as a soft pull. A hard pull, if any, happens later and we tell you first.
Can I get funding with weak credit?
Possibly. Lenders in our network weigh deposits and time in business heavily, so personal credit is not the only factor. Weaker credit usually means a higher cost and a shorter term.
Do you offer real estate or hard money loans?
No. Merchant cash advances, working capital loans, lines of credit, and term loans only.
See what you qualify for
Start with 3 to 6 months of bank statements. Initial review is a soft pull.
RAN Funding is a broker and ISO, not a lender. Approval is never guaranteed. Rates, terms and amounts are set by the funding lender.