Business Loans in Miami-Dade County
Miami-Dade runs on cash that has already left the building — the container bought before the buyer pays, the planting done months before harvest, the build-out finished before the first table is seated. We place funding against the deposits you are already making.
Miami-Dade is the largest business county in Florida and the hardest one to read from a balance sheet. A Doral importer and a Homestead nursery can bank the same money in a year and look nothing alike month to month. Bank underwriting reads that as risk. Revenue-based funders read it as a pattern, which is why the file matters more here than the category.
RAN Funding is a broker and ISO, not a bank and not a lender. One application goes to the funders in our network, one specialist stays on it, and the offers come back to you to compare.
Hablamos español. Si prefiere revisar sus opciones en español, visite nuestra página de préstamos para negocios.
Where we work in Miami-Dade
The city of Miami has its own page. This one covers the rest of the county, which is where most of the county’s payroll actually sits.
Hialeah, Doral, Miami Gardens, Miami Beach, North Miami, North Miami Beach, Coral Gables, Homestead, Aventura, Kendall, Cutler Bay, Palmetto Bay, Pinecrest, South Miami, Sweetwater, Miami Lakes, Hialeah Gardens, Opa-locka, Miami Springs, West Miami, Medley, Key Biscayne, Sunny Isles Beach, Surfside, Bal Harbour, North Bay Village, Florida City and the unincorporated areas in between.
Sectors we see most in the county
Import, export and wholesale
Doral, Medley and Hialeah. The goods are paid for on one continent and sold on another, and the gap between those two dates is the whole problem.
Nursery and agriculture
Homestead and the Redland. Planting, labor and irrigation all land months ahead of the revenue that pays for them, every single season.
Auto repair and body shops
Hialeah, Opa-locka and Miami Gardens. Lifts, diagnostic equipment and parts inventory, bought before the insurer settles.
Medical, dental and aesthetics
Aventura, Pinecrest, Coral Gables and South Miami. Equipment purchases up front, remittance somewhere between 30 and 90 days later.
What owners ask for, by sector
| Sector | What the money covers | Typical amount |
|---|---|---|
| Import, export, wholesale | Goods paid before the buyer settles | $50,000 – $250,000 |
| Restaurants and food service | Build-out, equipment, seasonal staffing | $20,000 – $100,000 |
| Auto repair and body | Lifts, diagnostics, parts inventory | $20,000 – $75,000 |
| Medical, dental, aesthetics | Equipment and the wait on remittance | $50,000 – $200,000 |
| Nursery and agriculture | Planting season ahead of harvest revenue | $25,000 – $150,000 |
Illustrative, not an offer. What a funder puts on the table comes off your statements, not your industry.
How to qualify
| Requirement | What we look for |
|---|---|
| Time in business | 1 year or more |
| Monthly deposits | $20,000 or more |
| Bank statements | The last 3 to 6 months, business accounts only |
| Location | Anywhere in Miami-Dade, and the rest of Florida |
Under $20,000 a month does not close the door. It narrows which funders will look, and we will tell you straight away if the answer is no.
Timing, and the seasons that matter here
A complete file gets a decision in hours and funds 24 to 48 hours after signing. What changes in Miami-Dade is when owners need it: importers ahead of the shipping calendar, Homestead growers before planting, Miami Beach and Aventura operators before the season fills the room rather than after.
Applying while the statements still look strong gets a better file in front of a funder than applying once the slow month has already landed.
Frequently asked questions
¿Puedo hacer todo el trámite en español?
Sí. Tenemos especialistas que hablan español y una página completa en español con las mismas opciones y requisitos.
Do you cover Hialeah and Doral specifically?
Yes, along with every other municipality in the county. Hialeah and Doral are two of the busiest markets on this desk.
My revenue is seasonal. Does that disqualify me?
No. Revenue-based funders read the pattern across three to six months rather than judging a single slow one, which is usually why this works where a bank did not.
I already have an advance outstanding. Is that a problem?
Tell us about it up front. It affects which funders will look and what they will offer, and it always surfaces in the statements anyway.
Do you lend the money yourselves?
No. RAN Funding is a broker and ISO. We package the file and place it with funders in our network.
What do I need to start?
The application and three to six months of business bank statements. Personal accounts do not count. Documents can go to support@ranfunding.com.
Other South Florida pages
See what you qualify for
One application for our lender network, and one dedicated specialist on your file. 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.