Miami SBA Loans

Need funding in Miami? We provide SBA-backed options for startups and growing companies across the metro. From same day SBA loans in Miami (for eligible fast-track files) to longer-term commercial SBA loan Miami programs, you’ll get capital that fits your plans without wasting time.

Miami SBA Loans

Our Miami small business SBA financing is built for real-world needs working capital, equipment, build-outs, inventory, or refinancing expensive debt. Apply online, upload a few documents, and review tailored offers. Flexible terms, competitive rates, and a clear process help you keep momentum while we line up the funding.

If you’re juggling payroll, a seasonal ramp, or a new contract, we can match you with the right structure: SBA 7(a), SBA Express, or micro-loan style options. Established or new, brick-and-mortar or service-based we’ll map the loan to your cash flow.

Minimum Requirements for Business Funding in Miami

To be considered for SBA-style financing in Miami, start with these basics:

Minimum Revenue $10,000 / month
Length in Business 5 months or more
Ownership % Minimum of 51% Ownership
Personal Credit US FICO 500+

Types of Small Business Loans in Miami

Small Business Loan

Straightforward funding with fixed payments and terms sized to your revenue. Good for inventory buys, hiring, marketing, and everyday working capital. Use it to stabilize cash flow, consolidate pricier debt, or fund a remodel without straining monthly budgets.

Merchant Cash Advance

A quick option tied to future card sales useful when you need speed and can’t wait for traditional underwriting. Works well for urgent repairs, bulk inventory opportunities, or bridging a short-term dip, with remittances that flex as sales rise or fall.

Business Line of Credit

Draw only what you need and repay as you go. Ideal for managing gaps between payables and receivables or taking advantage of short-notice opportunities. Reuse the line for seasonality, invoice delays, or campaign launches without reapplying each time.

Collateral Loans

Leverage equipment, vehicles, or real estate to unlock larger amounts and potentially lower rates. Great for expansions, build-outs, or major upgrades when you want longer timelines and predictable payments anchored by tangible assets.

Bad Credit Business Loans

Less-than-perfect credit isn’t the end. We evaluate bank activity, revenue trends, and time in business to place you on a practical path often a step toward full SBA eligibility. Start with what fits today, build history, and improve terms over time.

Miami Loan Services

Miami businesses move fast. We underwrite with that in mind simple intake, rapid reviews, and clear next steps. Whether you need same day SBA loans Miami eligible files or a longer-term sba loans Miami package, you’ll get a plan that balances cost, speed, and flexibility.

Use funds for working capital, equipment upgrades, build-outs, inventory, marketing, or consolidation. Our team helps you choose terms and repayment schedules that match seasonality and cash cycles.

Who We Serve

Frequently Asked Questions

What is the process for getting a business loan in Miami?

Apply online, link 3–6 months of business bank statements, and upload core docs (government ID, EIN/SSN, voided check). We review within 24–72 hours, present offers, and fund after e-signing and final verifications.

Repayment terms vary based on the loan type, but we offer flexible repayment options. Whether you prefer monthly, weekly, or even daily repayment schedules, we tailor them to your business’s cash flow to ensure they’re manageable.

Yes. We consider overall business health revenue trends, deposits, and time in business not just FICO. Lower-credit options may start smaller or shorter term, and on-time performance can help you step up to longer SBA programs later.

US-based business, at least 51% ownership, 5+ months operating history, ~$10,000/month revenue, active business bank account, and standard documents (ID, EIN/SSN, voided check, recent statements). No open bankruptcies or undisclosed liens.

Apply for Business Loan with Flowrise Funding