Florida · Direct Lender
Small business loans in Florida
Why FL owners choose Affirmative Funding
Same-day funding for Florida businesses
Florida's seasonal swings and hurricane season make flexible, revenue-based repayment a natural fit for local businesses. From Miami to the rest of the state, Affirmative Funding underwrites on your bank deposits rather than your credit score, which is why businesses in Restaurants, Construction, Medical and Trucking get approved when banks say no.
- ✓$10,000 to $5,000,000 in funding
- ✓Decision in minutes, funds as soon as today
- ✓Soft credit check — no impact on your score
- ✓Rates from prime, terms up to 5 years, no hidden fees
$20,000+
monthly business revenue
6+ months
in business
$10K – $5M
funding range
Same day
funding once finalized
Industries
Who gets funded in Florida
The FL businesses we see most are in Restaurants, Construction, Medical and Trucking, but the rule is simple: $20,000 or more a month in revenue and six months in business, in any industry.
Restaurants & Hospitality
Kitchen equipment and walk-in replacement · Renovations, patios and second locations · Payroll through slow seasons
Construction & Contractors
Materials and supplier deposits for a new job · Payroll between progress payments · Equipment and vehicle purchases
Medical & Dental Practices
Diagnostic and treatment equipment · Opening or renovating an office · Hiring associates and staff
Trucking & Transportation
Truck and trailer purchases or down payments · Engine, transmission and tire repairs · Fuel and insurance during slow-pay months
Cities
Florida cities we fund
Because everything happens online, a Miami owner and an owner three hours away get the same three-minute application and the same same-day timeline. We actively fund in Miami, Tampa, Orlando, Jacksonville, St. Petersburg and Fort Lauderdale and statewide.
- Miami, FL
- Tampa, FL
- Orlando, FL
- Jacksonville, FL
- St. Petersburg, FL
- Fort Lauderdale, FL
Florida business funding FAQ
Can any Florida business apply?+
Yes. Affirmative Funding funds businesses in every Florida city and county. The only requirements are $20,000+ in monthly revenue, 6+ months in business and a U.S. business bank account.
How quickly does funding arrive in Florida?+
The application takes about three minutes and decisions come back in minutes. Once your file is finalized, funds are typically sent the same business day to your Florida business bank account.
Do you work with Florida businesses directly?+
Affirmative Funding is a direct lender serving businesses in all 50 states, including Florida. We fund from our own capital, so there is no broker and no broker fee.
Can I qualify in Florida with bad credit?+
Often, yes. Approval is based on your revenue and bank activity, not credit score alone. A FL business with consistent deposits of $20,000+ a month is a strong candidate.
Business funding in other states
See what your Florida business qualifies for
Apply in three minutes with your last three bank statements. A dedicated specialist reviews your file and presents clear terms, usually within minutes.