Business Loans in Fort Lauderdale, FL
Fort Lauderdale money moves around boats, buildings, and the people who service both. Marine work, construction, and hospitality all share one trait: the cost comes first, and the payment comes later.
RAN Funding is headquartered in the Broward County area. Fort Lauderdale is our home market, not a pin on a map. We already work with owners in Miramar and Pembroke Pines, a short drive from your shop.
We are a broker and ISO, not a direct lender. That capital costs more than a bank loan, and we say so up front.
Funding for Fort Lauderdale businesses, by industry
Marine and yachting services
Yard work, refits, and haul-outs tie up parts and labor for weeks. Owners pay on milestones, not on your payroll schedule. A business line of credit covers the gap between jobs and payments.
Construction and trades
Electrical, plumbing, roofing, and concrete crews all front labor and material. Draws arrive late and retainage sits longer. A business term loan funds the next project without stalling the current one.
Restaurants and hospitality
Card volume rises in season and drops when the visitors leave. A merchant cash advance repays as a share of daily card sales.
Professional services
Law firms, agencies, and accounting practices bill after the work is delivered. Payroll does not wait for the invoice to clear. A working capital loan smooths a predictable receivables lag.
Auto and marine repair
Shops carry parts inventory, diagnostic equipment, and lift or bay upgrades. A business term loan spreads those over a set schedule.
Where Fort Lauderdale businesses cluster
Fort Lauderdale’s commercial map is unusually easy to read, because so much of it follows the water. The marine cluster around Port Everglades, the 17th Street causeway and the New River yards holds the refit, repair, canvas, rigging and brokerage trades — work that ties up parts and labor for weeks before a milestone payment clears.
Las Olas and downtown run to professional services and restaurants. Oakland Park and Pompano Beach hold the trades, auto shops and light industrial. The Cypress Creek corridor is offices and distribution.
Seasonality here is sharper than most of the state. The boat show and the winter season pull demand forward, then summer flattens it, and lenders reading only a July statement will misjudge a healthy business.
What Fort Lauderdale businesses use funding for
- Parts, paint, and materials for a boat or vehicle job already booked
- Payroll during a slow stretch between contracts
- Buying a lift, trailer, tools, or diagnostic equipment
- Material costs on a construction job before the draw clears
- Covering retainage a general contractor holds back
- Insurance renewals, licensing, and bonding costs
- Hiring and training ahead of season
- Taking a larger contract that needs cash on day one
How much can a Fort Lauderdale 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 only. 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 |
Hitting every line does not guarantee approval. Lenders also review negative days, deposit consistency, and existing balances.
How fast can you get funded in Fort Lauderdale?
A complete file usually gets a decision the same day, often within hours. Funding commonly arrives in 24 to 48 hours once documents are signed. Being local helps, because we can chase a missing statement by phone instead of email tag.
A bank loan is a different timeline. Expect weeks of underwriting and a longer document list.
Frequently asked questions
Does being based nearby actually matter?
For service, yes. We know local seasonality and can reach you quickly. Underwriting still happens at the lender, not in our office.
Is RAN Funding a direct lender?
No. We are a broker and ISO placing files with a lender network.
What does this financing cost?
More than a bank loan. The premium pays for speed and looser credit requirements.
Can a marine or construction business with seasonal swings qualify?
Often yes. Lenders weigh average monthly deposits over 3 to 6 months, which smooths out a slow month.
Do you fund real estate or hard money deals?
No.
Keep going with the right page
See what you qualify for
Bring 3 to 6 months of business 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.