< 72 hrs
Fast Decisions
Pre-qualify in minutes. Same-day funding available for qualified Miami files.
Average funding time
Capital that closes at Miami pace.
Business loans, SBA financing and commercial real estate capital built around Brickell operators, Coral Gables practices, Wynwood founders and Doral logistics. Term sheets in as little as 24 hours.
- No credit impact
- 75+ lender network
- Bilingual EN/ES
- $5K – $5M funding
The Briarcliff Edge
Why Miami operators choose us
Built for Miami, FL businesses - fast decisions, transparent terms, and a banker who actually knows the difference between a Brickell deal and a Doral deal.
$15K-$7M
Flexible Funding
From $15,000 working capital to $7,000,000 SBA acquisitions - sized to the deal.
Funding range
0 hidden fees
Transparent Terms
Clear APR disclosure, no prepayment penalties, no hidden fees, no surprises.
Clear pricing, every deal
1:1 advisor
Dedicated Banker
A Miami-based banker who reviews your file, packages it, and shops 75+ lenders for you.
Brickell-based team
75+
Local Expertise
Brickell, Wynwood, Coral Gables, Doral - bilingual EN/ES underwriting that knows the submarket.
Lending partners
All sectors
Every Industry
Hospitality, healthcare, real estate, logistics, professional services and more.
Tailored programs
Business Loans for Miami Companies
Whether you operate in Brickell, Wynwood, Little Havana, Coconut Grove, Coral Gables or anywhere across Miami-Dade County and South Florida, our lending network helps local businesses secure the capital they need to grow. From SBA 7(a) loans and business lines of credit to equipment financing, working capital loans and invoice factoring, we connect Miami owners with the right funding product, fast.
Our marketplace works with short-term lenders, SBA preferred banks, equipment financiers and merchant cash advance providers, so you can compare fast business loans, startup business loans and same-day business funding in one place.
BrickellWynwoodLittle HavanaCoconut GroveCoral GablesDesign DistrictDowntown MiamiEdgewaterDoralAventura
Common uses of funding
What Miami business owners typically finance with us.
- Expansion
- Payroll
- Inventory
- Equipment
- Marketing
- Cash Flow
Explore the Miami Hub
Every neighborhood. Every loan program. One directory.
Jump into the Miami city hub to browse all suburbs we serve and the services available in each. Every combination opens its own locally written page.
- 10 neighborhoods & adjacent cities
- 38 loan programs mapped locally
- Direct links to every suburb and service page
Capital Menu
Loan programs for Miami, FL
Every major funding product, compared through one soft-pull application.
Popular
No. 01
SBA Loans
From 8.5% APR
SBA 7(a) and 504 - the lowest rates and longest terms available to Miami small businesses.
Get pre-qualified
Popular
No. 02
Working Capital Loans
Funded in 24 hrs
Cover payroll, inventory and seasonal gaps with capital sized to your real cash cycle.
Get pre-qualified
No. 03
Business Line of Credit
From 9.9% APR
Revolving capital you draw when you need it. Only pay interest on what you use.
Get pre-qualified
No. 04
Equipment Financing
From 6.99%
Equipment serves as collateral. Easy approvals for trucking, construction and medical.
Get pre-qualified
No. 05
Commercial Real Estate
Up to 25-yr amort.
SBA 504 and conventional CRE for Brickell, Wynwood, Doral and the Miami corridor.
Get pre-qualified
No. 06
Invoice Factoring & AR
Same-day cash
Turn outstanding invoices into liquidity. Built for PortMiami and MIA cargo flows.
Get pre-qualified
The Process
Funding made simple
Four steps from first call to wired funds. No surprises, no scripts.
- IStep 01
Complete Application
Tell us about your business in 60 seconds. Soft pull only.
- IIStep 02
Get Matched
We package your file and shop 75+ lenders for you.
- IIIStep 03
Compare Offers
Review rates, terms and monthly payments side by side.
- IVStep 04
Receive Funding
Sign and get funded - often in as little as 24 hours.
Sectors
Industries we fund in Miami
Specialty programs for the sectors that drive Miami-Dade - built by bankers who know each one cold.
Real Estate
CRE · 1031 · Bridge
ExploreHospitality
Hotels · Restaurants
ExploreHealthcare
Med-spa · Dental · MD
ExploreProfessional
Law · Accounting
ExploreLogistics
PortMiami · MIA
ExploreConstruction
GC · Subs · Yards
ExploreRetail & Luxury
Aventura · D.D.
ExploreManufacturing
Doral · Medley
ExploreTechnology
SaaS · Fintech
ExploreE-Commerce
DTC · Cross-border
Explore38 loan programs · 10 neighborhoods
Browse the Miami directoryMiami Businesses We've Funded
Real outcomes from local owners in our funding network.
Brickell Avenue Wealth Advisors
SBA 7(a) Loan
$1,400,000
Funded a partner buy-in and Brickell office build-out.
Calle Ocho Cafetería Group
SBA 7(a) + Working Capital
$320,000
Acquired second location plus working capital for opening.
NW 25th Freight Forwarders
SBA 504 + Equipment
$2,100,000
Purchased a Doral flex warehouse and added two reefer trucks.
Why Businesses in Miami Need Flexible Financing
From freight forwarders at PortMiami and MIA cargo to restaurants on Calle Ocho, medical practices in Aventura and Coral Gables, and contractors expanding across Doral and the industrial corridor. Growing labor costs, equipment upgrades, inventory demands, seasonal fluctuations and new contracts often require quick access to capital. Our lending marketplace helps Miami, FL businesses secure SBA loans, business lines of credit and working capital tailored to local market conditions.
$15K-$7M
Funding range
72 hrs
Fastest funding
580+
Minimum FICO
9 mo+
Time in business
SSL Secured
Bank-Level Encryption
Privacy Protected
Licensed Lending Partners
Frequently asked questions
Everything Miami business owners want to know before applying.
Share a few details about your Miami business and we compare your file against our lender network with a soft credit pull. You see the products you actually qualify for in minutes - no commitment, no impact to your credit.
Initial decisions for Miami files land in 1-2 business days. Most approved deals wire in 3-7 business days, with faster turn-around on short-term loans and revenue-based advances.
We fund hospitality groups, restaurants, retail, professional services, healthcare, construction, logistics and ecommerce operators across Miami, FL and the surrounding metro.
Partner lenders typically look for 580+ FICO and at least 9 months in business. SBA-backed programs usually expect 650+ and two or more years of operating history.
Funding ranges from $15,000 working capital advances up to $7,000,000 SBA and commercial real estate loans, structured to fit Miami operators across industries and stages.
No. We use a soft credit inquiry to match you with lenders - your personal and business credit scores are untouched. A hard pull only happens once you accept a specific lender's terms.
By the numbers
Trusted by Miami operators
4.9/5
1,850+ reviews
8,500+
Businesses funded
$680M+
Loans facilitated
Bank-Level
Secure & encrypted
Soft Pull · No Credit Impact
3.1 million Florida small businesses driving the third-largest state economy in the U.S.. SBA Office of Advocacy - Florida Small Business Profile
Ready to explore your loan options in Miami?
Get matched with lenders serving businesses in Miami, FL. No impact on credit.