Florida · Business Funding
Merchant Cash Advance & Business Funding in Florida
Florida has 3 million-plus small businesses spread across Miami, Tampa, Orlando, Jacksonville, and dozens of smaller markets — and a tourism-heavy economy that creates real seasonal cash-flow swings. Restaurants, hospitality, construction, and trade services lead funding demand in the state. Commera hand-matches Florida owners with funders that follow §559.9611's disclosure rules, so the offer you accept is one you can actually read and price.
By Filip Kozina · Co-Founder, Commera Funding
Reviewed June 8, 2026
What Florida's commercial financing law means for you
Florida Commercial Financing Disclosure Law
Effective: Florida Statutes Chapter 559 — disclosure provisions effective for sales-based-financing transactions ≤ $500K
Citation: Fla. Stat. § 559.9611 et seq.
Florida requires commercial financing providers — including merchant cash advance funders — to give every prospective business a standardized written disclosure before the agreement is signed. The disclosure must include the total amount, finance charge in dollars, total repayment amount, estimated APR, payment amount and frequency, and prepayment policy. The obligation falls on the funder; the broker is not the disclosing party.
Applicability
Applies to sales-based-financing transactions of $500,000 or less. Bank-issued financing is exempt. Real-estate-secured transactions are excluded.
What you should expect
- A pre-signing disclosure document, not just a term sheet
- Total financing amount and total repayment amount (so you can see the dollar cost at a glance)
- Estimated APR based on the expected repayment timeline
- Clear prepayment policy — whether early payoff saves you any cost
This summary is plain-English context, not legal advice. Disclosure obligations fall on the funder, not the broker. Verify specifics with qualified Florida counsel.
Funding for Florida's key industries
Restaurants & hospitality
Tourism-driven cash flow in Miami, Orlando, Tampa, and the Keys means slow shoulder months and heavy summer / holiday seasons. MCA fits owners bridging inventory and payroll between high-revenue periods.
Auto repair & service
Florida's car-dependent economy keeps auto repair busy year-round. Equipment financing, lift installs, and parts pre-buys are common MCA use cases.
Restoration & contractors
Hurricane season creates massive insurance-claim demand for restoration contractors. MCA covers payroll and materials while insurance pays out on a longer timeline.
Retail
From Miami boutiques to Orlando tourist retailers, Florida retail uses working capital for inventory ahead of seasonal demand.
How funding works for Florida businesses
1. Apply in 5 minutes
Pre-qualification is a 3-step form — monthly revenue, time in business, basic business info. No hard credit pull. Florida applicants go through the same flow as any other state.
2. We hand-match 3–5 Florida-active funders
We don't shotgun your application across 50 lenders. We pick the 3–5 funders most aligned with Florida businesses your size and industry — and all of them follow §559.9611's disclosure requirements.
3. You receive compliant offers
Every offer to a Florida business arrives with the pre-signing disclosure required by Florida law. You see the total dollar cost, estimated APR, and prepayment policy before you commit to anything.
4. Funded in 24–48 hours
Once you accept an offer and bank statements clear, funds typically wire in 24–48 hours.
Common questions from Florida owners
Is a merchant cash advance legal in Florida?
Yes. MCAs are legal for commercial purposes in Florida. They're regulated under Florida's commercial financing disclosure provisions (Fla. Stat. § 559.9611 et seq.), which require non-bank funders to provide a standardized pre-signing disclosure for transactions of $500K or less.
What does Florida's disclosure law require my funder to show me?
Before you sign, you should receive: the total financing amount, the dollar cost (finance charge), the total repayment amount, an estimated APR, the payment amount and frequency, and the prepayment policy. The funder — not the broker — is the disclosing party.
Does Florida's hurricane season affect funding?
Some funders pause new applications in affected counties immediately after a major storm — usually because bank statement evidence is harder to verify. We work around that and route applications to funders still actively quoting in your area.
Can a Florida restaurant qualify with seasonal revenue swings?
Yes. Most MCA funders evaluate trailing 3–4 month revenue and factor in seasonality. Owners with a strong peak season and a soft shoulder season are fundable; underwriters know the rhythm of Florida tourism.
See your Florida offers in 2–4 hours.
Three quick questions, then we shop your file across Florida-active funders and bring back the compliant offers.
Start your pre-qual