Business Capital in Real-Time.

We provide fast, working capital and lines of credit to established businesses Approvals in hours, funding in as little as 24 hours.

get pre-qualified

Apply in minutes with no impact on your credit score

Why Florida Funding?
We Move at the Speed of Business

Speed Over Red Tape

Skip the months of paperwork. Our streamlined digital application gets you an answer same-day.

Revenue-First Approvals

We value your cash flow. Perfect for businesses with strong sales but imperfect credit scores.

payment-method

Flexible Repayment

Funding terms that adapt to your business cycle, ensuring you have the capital to grow without the strain.

Tailored Capital for Established Businesses

Working Capital

Lump sum cash injections to bridge gaps, buy inventory, or handle emergencies.

Lines of Credit

On-demand access to funds. Only pay for what you use. Great for recurring expenses.

Revenue-Based Financing

Funding based on your monthly gross sales. Ideal for seasonal businesses.

From Application to Bank Account in 24 Hours

Apply Online
Fill out a simple form and upload basic statements.
Get Approved
Receive multiple offer options tailored to your revenue.
Get Funded
Accept the offer and receive funds via wire transfer immediately.
MUST be an active business
3+ Months in Operation
$10K+
in Monthly Revenue
Business Bank Account Required

*Sole Proprietor Ok.

Sarah Davis

Entrepreneur

Your Partner, Not Just Your Lender.

Operating since 2016, Florida Funding is an alternative finance leader dedicated to saying "yes" when traditional banks say "no." We fill the funding gap for established businesses by prioritizing revenue over red tape. If you are tired of lengthy bank denials, we are the efficient, transparent partner you’ve been looking for.

What Business Owners Are Saying

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Annette Hamilton profile picture
Annette Hamilton
Google star 1Google star 2Google star 3Google star 4Google star 5
Honest and trustworthy.
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Kali Clayton profile picture
Kali Clayton
Google star 1Google star 2Google star 3Google star 4Google star 5
My experience knowing the team from Business Funds.Ai is that they are superior quality business professionals in addition to trustworthy and empathetic human beings. Matt, the business owner and Brian, the executive manager, are always willing to go to absolutely any lengths to provide their clients with capital packages that are intended to maintain or improve the health of their merchant’s business and cash flow. In the effort to provide clients with exactly the capital product that will benefit their business the most, Matt and Brian also help improve the peace of mind and opportunity for growth of anyone that they work with. I can confidently recommend this business to any of my friends and family who are small business owners. No hesitation here.
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Matthew K profile picture
Matthew K
Google star 1Google star 2Google star 3Google star 4Google star 5
I highly recommend Matthew and his team. They were honest and transparent throughout the process. Thank you once again!
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Aaron Golub profile picture
Aaron Golub
Google star 1Google star 2Google star 3Google star 4Google star 5
Excellent experience!! Always a pleasure working with Matthew!
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Andrew Phan profile picture
Andrew Phan
Google star 1Google star 2Google star 3Google star 4Google star 5
want to thank Matthew for all his support over the past 3 years. He has helped me with business loans and has always been there, especially during times when my business was struggling. He is knowledgeable, reliable, and truly cares about his clients. I highly recommend him to anyone who needs assistance—Matthew is the right person to contact.
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Jimmie Coulter profile picture
Jimmie Coulter
Google star 1Google star 2Google star 3Google star 4Google star 5
Matt is the man, makes the deal easy and fast.
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MLansing profile picture
MLansing
Google star 1Google star 2Google star 3Google star 4Google star 5
We recently worked with Businessfunds.ai to secure a business loan for our auto repair shop, and the experience was fantastic from start to finish. The team was professional, transparent, and truly cared about helping our business grow. They took the time to understand our needs, explained every step clearly, and made the entire process quick and stress-free. Thanks to their support, we were able to upgrade our equipment and expand our services faster than expected. Highly recommend Businessfunds.ai to any business owner looking for honest guidance and exceptional service! — AG Auto Repair LLC
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gutter11111 profile picture
gutter11111
Google star 1Google star 2Google star 3Google star 4Google star 5
My credit was is not great, but Brian and Matt came up with a solution. The funds we received helped us out of a tough situation.
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Riley Rohrbaugh profile picture
Riley Rohrbaugh
Google star 1Google star 2Google star 3Google star 4Google star 5
We were getting called by dozens of companies until we applied here. The deal went through smooth, no hiccups. Thank you ????
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Matt Toto profile picture
Matt Toto
Google star 1Google star 2Google star 3Google star 4Google star 5
Very professional and respectful when it came down to doing business. Getting a loan is a humbling thing, but Businessfunds helped me feel empowered and I obtained great peace of mind with them.

How Businesses Use Florida Funding to Move Fast

Experience transformative digital banking journeys with Florida funding, revolutionizing financial experiences using advanced technology.

Inventory Opportunity

"A retail business needed to secure inventory before a supplier sold out. Traditional financing would’ve taken weeks. We funded them within 48 hours, so they didn’t miss the opportunity."

Cash Flow Gap

"A construction company was waiting on receivables but needed to cover payroll. We provided working capital the same day to keep operations running smoothly."

Equipment Purchase

"A medical practice needed new equipment to increase capacity. Instead of delaying growth, they accessed a line of credit and expanded immediately."

Payroll Support

"A growing business needed to cover payroll while waiting on incoming receivables. Instead of risking delays or disruptions, they secured fast funding to pay their team on time and keep operations running smoothly."

Frequently Asked Questions?

Just 3 months of bank statements

We focus on established businesses with revenue

Approvals are often issued within hours, with funding deposited into your business bank account in as little as 24 hours after you accept an offer.