Merchant cash advances in Miami

Need fast funding without the back-and-forth? A merchant cash advance in Miami helps you access working capital quickly—based on your business’s cash flow.

Merchant cash advances in Miami that fit the pace of your business

Unlock Growth with Merchant Cash Advances: Learn More Today

Apply today, get funded tomorrow
Our digital application takes just minutes. Get approved within hours and receive funds in as fast as 4 hours.

Put the cash where you business can use it
From staffing and marketing to covering equipment or restocking inventory—you choose how to use your funds.

Remittances that flex with your sales
Daily remittances scale with your revenue, so you’re never stuck with a remittance you can’t manage.

Request a quote

Approval

As fast as 2 hours

Funding

As fast as 4 hours

$2.5+

Billion in financing

50,000+

Small businesses financed

Approval

As fast as 2 hours

Funding

As fast as 4 hours

$2.5+

Billion in financing

50,000+

Small businesses financed

Benefits of a Miami merchant cash advance

Fast approval in as little as 2 hours

Apply online in minutes

Traditional bank loans require mountains of paperwork and weeks of waiting—and still have staggeringly low approval rates.

With a Credibly Merchant Cash Advance, enjoy an easy application process with friendly experts to guide you and fast access to capital.

Credibly provides merchant cash advances with:

Up to $600,000 in financing
Terms of up to 24 months*
Factor rates as low as 1.11

You can use the advance as you see fit for your business–cover temporary cash flow shortfalls, purchase more inventory, meet payroll.

Approval is based on your future, not your past

Fluctuating revenue or a poor credit score shouldn’t prevent a healthy, growing business from reaching its full potential.

To qualify for an MCA, you will likely need:

500+ credit score
6+ months in business
$15,000+ average monthly bank deposits
Be able to deposit revenue in a business bank account

How to get a merchant cash advance in Miami

Step 1

Apply online

Click “Get Started” to apply for financing.

Step 2

Gather required documents

We require certain documents from you in the approval process. Be ready with bank statements and a government-issued ID to get started.

Step 3

Approval in as little as 2 hours

Your loan application will be reviewed and you can get approved in as fast as 2 hours.

Step 4

Receive same-day funding

If approved, your requested financing can be transferred to your bank account as soon as the same business day.

What our customers say about our merchant cash advance services in Miami

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

What customers say about our small business loans

“After dealing with multiple funding companies, this is the only company that presented me an offer with no pressure or false promises. Every other company I spoke with said they could beat Credibly’s offer, but most fail short. This was my second round of funding with Credibly and they are by far the most straightforward merchant cash advance company that I could find. Wherever you go, working capital is expensive and it can be exhausting with all the calls. A lot of other companies I had to report for shopping my information around and pulling my credit without consent. Credibly presented me an offer and allowed me to breath while I made a choice I could only make for my business. Not once did they ask for other companies offers. I am hoping to not need any other cash advances in the future, but this will be the only place if I do.”

“Mick Sibinovic is a man of his word. He is very responsive, informative & persistent!! He made me feel like more than just a number, which is why even with multiple other offers I still chose to go with credibly. I reached out first a couple months back and after he diligently worked hard to get me the best funding options, I turned it down. He welcomed me back with open arms this time around. Not only is he partnering with me on a short term strategy but a long term strategy as well. I’m excited to see where my business will go & grow with the help of Mick.”

“I run a small business and have utilized multiple other lenders for capital as needed. This is my second time funding with Credibly. Mr. Andrew Jasina did an outstanding job in laying out options for funding. He addressed my questions and was able to find a solution that fit our needs. If you or anyone you know is looking for capital, I would strongly recommend speaking with Andrew @ Credibly.”

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

Other financing options**

Line of credit

Draw as you need and only pay for what you use.

Working capital loan

Always have enough cash flow to seize any opportunity.

Long-term loan

Longer-term funding to help you reach the next stages of growth.

All financing options

Still looking for the right fit? Check out all of Credibly's business financing options.

Why Miami businesses count on Credibly

Quick funding—often in as fast as 4 hours
Easy online process with no paperwork pileup
No limits on how you use the funds
Automated remittances tied to your sales
100% US-based support that actually picks up the phone

Small business financing in Miami---The Credibly difference

	Credibly	Bank Loans	Credit Cards	SBA Loans
Funding Range	$5K-$600K	$100K	Credit dependent	Credit dependent
Process	Pre-qualify online Soft credit pull only	Long application, credit inspection, business plan, and industry risk	Prequalify online Soft credit pull only	Long application, credit inspection, business plan, and industry risk
Approval Time	Approval in as fast as 2 hours	Weeks-Months	Less than 30 Days	Months
Time to Funding	as fast as 4 hours	2-3 Months	7-10 Business days	60-90+ Days
Approval Criterias	Overall business health	Credit score and collateral	Credit score	Credit score and collateral

FAQs about merchant cash advances in Miami

How do MCAs in Miami affect cash‑flow planning?

MCAs in Miami pull a portion of sales daily or weekly, based on holdback terms. On busy days, remittances can swell; on slow days, it can shrink.

This variable deduction can make budgeting unpredictable, especially for payroll or rent.

Understanding your business revenue rhythms and factoring in peak and slow months is critical. A clear cash‑flow plan helps you know how much cushion you need to absorb remittance fluctuations.

What documentation is required to apply for an MCA in Miami?

Applying takes minutes online and typically asks for minimal documentation. You'll often need to provide 3-4 months of your most recent business bank statements to apply.

Streamlined docs help speed up funding, making MCAs in Miami much faster than traditional bank loans. If you gather statements and basic info ahead, your application flows quickly and gets you working capital sooner.

Who should consider a merchant cash advance in Miami?

Merchant cash advances in Miami suit specific situations. They can be attractive for seasonal or online businesses that handle most transactions through credit and debit cards.

If you have uneven revenue cycles, remittances can shrink during slower months, making it easier to manage cash flow. Applicants with less-than-perfect credit are often more likely to qualify for an MCA than a traditional loan.

MCAs can provide quick cash for short-term opportunities, such as purchasing discounted inventory or covering emergencies. When factor rates are high, treat the advance cost as part of your cost of goods.

Businesses with steady card receipts and a disciplined plan to generate return on investment benefit most from this financing overall.

What benefits does a merchant cash advance in Miami offer compared to other financing options?

Merchant cash advances in Miami stand out because they combine speed, flexibility and accessibility.

Once approved, funds can arrive in your account in as little as 4 hours. Plus, you aren’t required to pledge collateral or give up equity.

Remittances adjust to your revenue, and you know the total cost up front through a factor rate.

Can you write off merchant cash advances in Miami?

An MCA in Miami is a sale of future receivables, not taxable income. You don’t report the lump sum as revenue. Your remittance from daily sales are not deductible.

But you can deduct any associated fees (i.e. factor rate fees, administrative or origination charges) as business financing costs.

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Merchant cash advances in Miami