South Florida · Miami, FL

Small business funding in Miami. When banks say no.

Miami's SMB mix leans hospitality, Latin-American trade logistics, and a growing healthcare/elective-medicine corridor. Seasonality is inverted versus Northeast operators — winter is peak.

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Miami applicants fund same-day by ACH. ET alignment with Brooklyn means no time-zone friction on same-day decisions.

Why ICG for Miami

Capital that moves at Miami speed. Not bank speed.

Miami operators borrow because the right week beats the right rate. ICG underwrites on revenue, not narrative, and decisions land inside 24 hours.

Decisions

Inside 24 hours

Credit floor

500+ FICO accepted

Underwriting

Revenue-based, no tax returns

Industries in Miami

Priority industries we fund in Miami. Pick yours.

Healthcare funding in Miami

Medical and dental practices wait longer than almost any other small-business vertical for insurance reimbursement to clear. Working capital closes the gap so payroll, equipment, and expansion never stall.

See healthcare funding details

Service Businesses funding in Miami

Service operators — auto repair, salons, cleaners, HVAC, landscaping, professional services — live on the tightest payroll-to-receivables timing in small-business lending. ICG underwrites against revenue, not tax returns, so crews keep moving.

See service businesses funding details

Retail funding in Miami

Retail inventory turns the calendar before the register does. ICG funds the pre-season buy, the seasonal staffing push, and the next build-out before sell-through even starts.

See retail funding details

Construction & Contractors funding in Miami

Construction operators pay crews every Friday and collect on net-60 from clients. That gap is where builders fail — unless capital moves faster than the build cycle.

See construction & contractors funding details

Am I eligible in Miami?