Business loans · Pembroke Pines, FL
Business Loans in Pembroke Pines, FL: Local Funding Options and Rates
Pembroke Pines is where RAN Funding is headquartered, at 9050 Pines Blvd, Suite 425, so this is the one city where you can walk in. It is also one of the largest cities in Broward County, with a business base of medical and dental practices, restaurants, retail along Pines Boulevard, contractors and home services. This guide covers every funding option open to a Pembroke Pines business in October 2026, what each costs with Prime at 7.00%, and what lenders check.
How Do Pembroke Pines Businesses Get Funded in 2026?
An established Pembroke Pines business can usually choose from a line of credit, a term loan, revenue-based working capital, a merchant cash advance, equipment financing, A/R financing, a business-purpose HELOC and an SBA loan. Typical amounts run $10,000 to $2 million, fast products fund in 24 to 48 hours and lines and term loans in two to five days. RAN Funding is a broker, not a lender: one application is placed across a network of lenders, you can meet the team in person on Pines Boulevard.
Pembroke Pines Business Funding at a Glance
Pembroke Pines sits in the middle of the tri-county market, with Miami-Dade to the south and Fort Lauderdale to the north, and its businesses serve both. Florida’s small businesses number 3.5 million and employ 39.6% of the state’s workers; health care and social assistance is the second-largest small business employer in Florida, and it is the largest in Pembroke Pines, where hospitals, practices and home health agencies cluster around Memorial Hospital West and the Pines Boulevard corridor.
Business Funding Options in Pembroke Pines
The product follows the purpose. A dental practice adding an operatory, a Pines Boulevard restaurant covering payroll and a landscaping company replacing two trucks are three different conversations, and we have all three most weeks.
| Product | Typical range | Speed | Best for in Pembroke Pines | Guide |
|---|---|---|---|---|
| Business line of credit | $10K – $2M | 1 – 3 days | Recurring gaps: payroll, inventory, slow receivables | Lines of credit |
| Business term loan | $20K – $2M | 2 – 5 days | One investment: build-out, vehicles, a second location | Term loans |
| Working capital / revenue-based | $10K – $1M | 24 – 48 hours | Fast money sized to monthly deposits, credit from 500 | Working capital |
| Merchant cash advance | $10K – $500K+ | Same day – 48 hours | Card-heavy retail, restaurants and hospitality | MCA |
| Equipment financing | $10K – $5M | 2 – 7 days | Trucks, kitchens, lifts, medical and production equipment | Equipment |
| SBA 7(a) / 504 | Up to $5M | 30 – 60 days | Lowest cost for established, bankable files | SBA loans |
| Accounts receivable financing | $20K – $5M | 3 – 7 days | B2B companies waiting 30 – 90 days on invoices | A/R financing |
| Business HELOC | Up to $750K | 5 – 10 days | Homeowners who want the cheapest variable money | Business HELOC |
Compare every product on one page in loan types, or see what fits a specific situation in business funding in Florida.
Pembroke Pines Industries We Fund Most
These are the Pembroke Pines and west Broward industries we fund most often.
- Medical, dental and specialty practices: The Memorial Hospital West area and the practices around it are the city’s largest employers; reimbursement lags and equipment costs are the usual gap. Medical practice loans, dental practice loans and equipment financing.
- Home health care and assisted living: Payroll every week, Medicaid and insurance payments every 45 to 90 days. Home health care business loans, assisted living business loans, payroll funding.
- Restaurants and food service: Pines Boulevard and the Shops at Pembroke Gardens carry a dense restaurant base with card-heavy revenue. Restaurant business loans and a merchant cash advance when speed matters.
- Contractors, landscaping and home services: West Broward’s housing base keeps HVAC, roofing, plumbing, pool and landscaping companies busy on 30-day terms. HVAC, plumbing, landscaping and pool contractor business loans.
- Retail, salons and fitness: Build-outs, inventory and equipment come before the first customer. Retail, salon and spa and gym business loans.
- Child care and education: Licensing, build-out and staffing costs land before enrollment fills. Child care business loans.
What Business Loans Cost in Pembroke Pines in October 2026
Business loan pricing in Florida follows the same benchmarks as the rest of the country, and the benchmark moved in September: the prime rate rose to 7.00% on September 17, 2026, after the Federal Reserve’s first hike since 2023. Here is what that means by product right now.
| Product | How it is priced | Typical cost at Prime 7.00% |
|---|---|---|
| SBA 7(a) variable | Prime + 3.00 to 6.50 (capped by SBA) | 10.00% – 13.50% APR |
| Bank line of credit | Prime + 1 to 4 | 8% – 11% APR |
| Business HELOC | Prime + 0 to 2 | 7% – 9% APR |
| Online term loan | Fixed rate, set at funding | 10% – 36% APR; higher for weaker credit |
| Equipment financing | Fixed rate, set at funding | 9.9% – 24% APR |
| Revenue-based / MCA | Factor rate, fixed payback | Factor 1.11 – 1.50 (roughly 20% – 90%+ APR equivalent) |
What a 0.25-point Prime move does to a $250,000 SBA 7(a) loan (10 years, Prime + 3)
Principal and interest only. The next Fed decision is October 28, 2026; see our prime rate guide for scenarios.
Fixed-rate products you already hold do not change when Prime moves; lines, SBA variable loans and HELOCs do. Full detail in Prime rate is 7%: what it means for business loan rates and factor rate vs APR.
What Lenders Look for in a Pembroke Pines File
Lenders underwrite a Pembroke Pines business the same way they underwrite one anywhere else: deposits, time in business, personal credit, existing debt and, for larger amounts, collateral. The Federal Reserve’s 2026 Small Business Credit Survey shows how those odds play out by product nationally.
Share of applicants fully approved, by product (Fed SBCS 2026)
81% of applicants were approved for at least part of the request; 42% received everything. Source: Federal Reserve Banks, 2026 Report on Employer Firms.
- Bank statements: the last three months (six for larger amounts). Steady deposits of $20,000 a month or more are the minimum for every product in our network; higher deposits open larger amounts.
- Time in business: sometimes six months for revenue-based products, one year for most term loans and lines, two years for banks and SBA.
- Personal credit: 500+ for revenue-based financing, 600 – 650 for most online term loans and lines, 680+ for bank and SBA pricing.
- Existing advances: stacked daily-payment positions are the most common reason a strong Pembroke Pines file gets cut down. Ask about a reverse consolidation first.
- Florida paperwork: a Sunbiz-registered entity in good standing, an EIN, a business bank account in the entity’s name and a Florida driver’s license or ID for every owner of 20% or more.
See the full breakdown in business loan approval rates in 2026 and business loan requirements.
Florida’s Commercial Financing Disclosure Law and Your Rights
Since January 1, 2024, Florida’s Commercial Financing Disclosure Law (HB 1353) has required providers of commercial loans, lines of credit and receivables purchases of $500,000 or less to give Pembroke Pines borrowers a written disclosure at or before signing. It must show the total funds you receive, the dollar cost of the financing, the payment schedule and any prepayment charges. The law also sets rules for brokers: no advance fees beyond actual costs, no false or misleading statements, and every advertisement must list the broker’s address and phone number. Violations carry fines of $500 per incident, up to $20,000.
What to do with the disclosure. Read the dollar cost line and the payment schedule, then ask for the same numbers from a second lender. The disclosure does not have to show an APR, so convert the cost yourself with our factor rate calculator. Any provider that will not put the numbers in writing before you sign is telling you something.
How Florida compares with other states is covered in merchant cash advance disclosure laws by state.
How to Apply From Pembroke Pines
Apply online in five minutes, call 877-522-6045, or stop by Suite 425 at 9050 Pines Blvd. Bring three months of business bank statements and a driver’s license and we can usually have offers the same day.
- Tell us what the money is for and when you need it. A Pembroke Pines restaurant covering payroll Friday and a contractor buying a second truck get different products.
- Upload three months of business bank statements as PDFs from your online banking, plus a voided check and your driver’s license.
- Get offers within hours. One application, one soft credit pull, offers from multiple lenders side by side with the total payback shown on each.
- Pick the cheapest product that funds in time. We will tell you if a line or SBA loan beats the fast option, and what the wait costs.
- Sign and fund. Most revenue-based products fund in 24 – 48 hours; lines and term loans in 2 – 5 business days; SBA in 30 – 60 days.
Areas We Serve Around Pembroke Pines
From Pembroke Pines we serve Miramar, Cooper City, Davie, Hollywood, Weston, Southwest Ranches, Plantation and Sunrise, and the rest of the tri-county area.
Where Can a South Florida Business Get Financing?
RAN Funding arranges business financing from its office at 9050 Pines Blvd, Suite 425, Pembroke Pines, FL 33024, open Monday to Friday, 9am to 6pm ET. As a broker rather than a lender, one application reaches a network of funders offering working capital loans, merchant cash advances, business lines of credit, equipment financing, receivables financing, term loans and SBA loans, from $10,000 to $5,000,000 depending on the product. Revenue-based products fund in 24 to 48 hours from three months of business bank statements and a credit score from 500. Call 877-522-6045 or apply online.
A Pembroke Pines Office, a National Lender Network
RAN Funding is based at 9050 Pines Blvd, Suite 425, Pembroke Pines, Florida 33024, and is open Monday to Friday, 9am to 6pm ET. We are a business financing broker, not a lender: one application through us reaches a network of funders, and a specialist compares the offers with you and explains every term before you sign. Most of our South Florida clients never need to visit; the application is online, statements are uploaded, and funding lands by transfer. But if you would rather sit across a desk from the person handling your file, you can, and that is unusual in this industry.
Where We Work
Our office sits in the middle of Broward County, between Fort Lauderdale and Miami. We regularly place financing for businesses in Pembroke Pines, Miramar, Hollywood, Davie, Plantation, Fort Lauderdale, Hialeah, Doral, Miami, Coral Gables, Homestead, Boca Raton and West Palm Beach, and because the lender network is national we place the same products for businesses in every state. State law shapes the paperwork: Florida’s commercial financing disclosure law took effect in 2024,2 so an offer to a Florida business now shows the total repayment amount, the financed amount, the te
What We Arrange for South Florida Businesses
ProductAmounts through the networkTypical fitWorking capital loan$10,000 – $1,000,000Payroll, inventory, a slow month; funded in 24–48 hoursMerchant cash advance$10,000 – $1,000,000Restaurants, retail and service businesses with card salesBusiness line of credit$10,000 – $2,000,000Recurring gaps; draw and repay as neededEquipment financingFull purchase amountTrucks, kitchen equipment, medical and dental chairs, machineryReceivables financing$20,000 – $5,000,000Contractors, logistics and B2B firms waiting on invoicesBusiness term loan$20,000 – $2,000,000Expansion, a second location, refinancing expensive debtSBA loan$50,000 – $5,000,000Long-term growth
The Industries We See Most in South Florida
Restaurants and hospitality — seasonal swings between the winter peak and the summer lull are exactly what revenue-based products are built for. See restaurant business loans.
Construction and contractors — materials and crew on signed jobs before the draw lands. See construction business loans.
Medical, dental and veterinary practices — chairs, imaging and fit-outs repaid as collections come in. See medical practice loans and dental practice loans.
Retail, salons and auto repair — inventory, equipment and the quiet weeks. See retail, salon and spa and auto repair shop financing.
What You Need to Start
For revenue-based products: about twelve months in business with revenue landing in a business bank account, a credit score from 500, and the last three months of business bank statements (four in some states). Lines of credit generally want a year in business and a 650+ score; term loans and SBA loans want two years, good credit and full financials. Every product starts at $10,000. Checking your options is a soft inquiry and takes about five minutes.
Visiting or Calling
Call 877-522-6045 during office hours and you will reach a funding specialist, not a call centre. If you want to come in, the office is on Pines Boulevard in Pembroke Pines; let us know you are coming so the specialist on your file is the one you meet. Everything can also be done by phone, email and the online application.
Common Questions
Where is RAN Funding located?
RAN Funding’s office is at 9050 Pines Blvd, Suite 425, Pembroke Pines, FL 33024. Most clients apply online or by phone, but local business owners are welcome to meet in person by appointment.
Can I apply in person in Pembroke Pines?
Yes. Call 877-522-6045 to set a time. Bring three months of business bank statements, a voided business check and a driver’s license, and a funding specialist will walk through your options and typical offers on the spot.
What types of Pembroke Pines businesses do you fund?
Any established business with six or more months of operating history and steady deposits: medical and dental practices, home health agencies, restaurants, contractors, retail, salons, gyms, child care centers and more. Start-ups under six months generally do not qualify.
Is RAN Funding a direct lender in Pembroke Pines?
No. RAN Funding is a business financing broker headquartered in Pembroke Pines, Florida. We present your application to a network of lenders and show you the offers you qualify for; the funding partner sets the approval, amount, rate, fees and terms.
What does a business loan cost in Florida right now?
With Prime at 7.00%, SBA 7(a) variable loans cap at 10.00% to 13.50%, bank lines run about 8% to 11%, online term loans 10% to 36% APR, and revenue-based products carry factor rates from about 1.11 to 1.50. Your file, not your city, sets the price.
Does Florida require lenders to disclose the cost of a merchant cash advance?
Yes. Florida’s Commercial Financing Disclosure Law has applied since January 1, 2024 to commercial financing of $500,000 or less. Providers must disclose the funds provided, the dollar cost, the payment schedule and prepayment terms at or before signing. An APR is not required, so compare the dollar cost yourself.
Do I need to come to the Pembroke Pines office?
No. The application, statements and signing are all handled online and by phone. The office is there if you prefer to meet the specialist handling your file in person.
Do you only work with businesses in Florida?
No. The office is in Pembroke Pines and many clients are in Broward, Miami-Dade and Palm Beach counties, but the lender network is national and we place the same products in every state.
Is RAN Funding a lender?
No. RAN Funding is a broker. We take one application, present it to funders in our network, and bring back the offers you qualify for. The funder is named on every offer.
How fast can a South Florida business be funded?
Merchant cash advances and working capital loans commonly fund the same business day or within 24 to 48 hours of a signed offer. Equipment financing takes a few days; lines of credit days; SBA loans weeks.
Sources
- Florida Small Business Profile, 2025 — U.S. Small Business Administration, Office of Advocacy
- Connecticut and Florida enact commercial finance disclosure laws (Florida HB 1353) — Mayer Brown
- 2026 Report on Employer Firms: Findings from the 2025 Small Business Credit Survey — Federal Reserve Banks
- H.15 Selected Interest Rates (bank prime loan rate 7.00%) — Board of Governors of the Federal Reserve System
- 7(a) loan program terms, conditions and eligibility — U.S. Small Business Administration
See What Your Pembroke Pines Business Qualifies For
One application, about five minutes, soft pull only. A funding specialist in our Pembroke Pines office tells you which products fit your file, what they cost and how fast each one funds.
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