Working Capital
Unrestricted operating cash sized off your deposits, funded in days.
- Amount $10K – $2M
- Speed 1–3 days
Working capital, lines of credit, SBA, equipment, factoring and real estate capital for Florida businesses — $10,000 to $50,000,000. One application, lenders competing for it, offers side by side.
Florida is our highest-volume state after California and Texas — hurricane-season cash reserves and tourism seasonality drive most of the requests.
Florida's economy moves in seasons, and so does its cash. Tourism and hospitality peak in winter and spring. Construction and real estate keep a fast pace almost all year, but hurricane season adds a layer of risk that makes owners want reserves on hand before June. A Florida business can have a record year and still get squeezed in August.
The state also has one of the fastest rates of new business formation in the country. That means a large share of Florida applicants have been open less than two years — often the point where a bank says to come back later. Our network includes lenders that fund newer businesses on the strength of their deposits and the owner's credit, not only on years in business.
Most Florida files we see come from contractors, real estate investors, and restaurant and hospitality operators. Contractors need to cover materials and payroll before draws come in. Investors need fix-and-flip, bridge and DSCR rental loans that close on their timeline. Restaurants need structures that take less when business is slow and more when it is busy.
Unrestricted operating cash sized off your deposits, funded in days.
Revolving access you draw, repay and draw again — you only pay for what you use.
The cheapest money in America, with the longest terms — if you can wait for it.
Fixed amount, fixed monthly payment, 12–60 months. No surprises.
The machine is the collateral, so approvals come easier and terms run longer.
80–93% advanced on open invoices. Not debt — you are selling a receivable.
Fastest capital we place, with remittance that flexes with daily sales.
Bridge, fix and flip, DSCR rental and construction, closed on the contract's clock.
Real options from three months in business — not a brush-off.
A 90-day build that moves you from personal-guarantee-only to real business credit.
These are illustrative scenarios showing how a structure fits a situation — not specific clients or quotes.
Situation. After a storm, a roofing company had a backlog of insurance-funded jobs but needed materials and extra crews before the insurance checks arrived.
Structure. Short-term working capital with weekly remittance, paid off as claim payments landed.
Situation. A real estate investor had a contract on a distressed single-family home with a 14-day closing window a bank could not meet.
Structure. Asset-based fix-and-flip loan covering purchase and rehab, sized on after-repair value.
Served statewide, fully remote.
A four-minute application, a soft review, and zero impact on your credit score. Travis reads every submission personally and calls back with real options — usually the same business day.
Talk to Travis directly612-927-2055Soft review · No obligation · No impact on your credit score