Typical funding range
$10,000 – $200,000 — that's the band most retail in Florida fall into. Deals smaller than $10K are uncommon (the math rarely works for the funder). Deals over $250K typically require stronger profiles or collateral.
What funders look for
- 12+ months in business strongly preferred
- Monthly revenue floor: $15,000
- Strong seasonal swings are understood — funders look at the trailing 12 months
- Card-heavy retailers may qualify for split-funded MCAs at slightly better rates
What to bring to the application
The faster you can ship these to a funder, the faster you close. Most underwriting decisions for retail in Florida happen in 2–4 hours once docs are complete.
- Last 3–6 months business bank statements
- Last 3 months merchant processor statements (Square, Stripe, Clover)
- Voided business check
- Driver's license for the majority owner
The math
A typical retail deal in Florida lands at a factor rate between 1.25 and 1.42. On a $50,000 advance at 1.32, you'd repay $66,000 over 9–12 months — about $260–$305/day in ACH. Our factor rate calculator lets you plug in your own numbers.
Frequently asked questions
- Should I get funded before or after my busy season?
- Before. Use the MCA to load inventory ahead of peak demand. Your busy-season revenue then handles the daily ACH. Funding after the peak means you're paying it back during your slow months — exactly the wrong direction.
- Do Florida hurricane risks affect MCA underwriting?
- Funders look at the 12-month deposit pattern, which already accounts for hurricane-related dips. The bigger issue is what happens if a hurricane hits during repayment — most contracts don't pause for natural disasters. Read the reconciliation clause.
- Can a Tampa boutique with $12K/month qualify?
- Marginally. Most funders prefer $15K+/mo. At $12K/mo, the pool is smaller and the factor rate higher (1.40–1.50). Pushing revenue to $15K+ for three months before applying typically pays back in better terms.
Related guides
- Restaurant MCA in Florida — state hub
- Restaurants funding in Florida — $15,000 – $250,000
- Professional Services funding in Florida — $10,000 – $300,000
- E-commerce funding in Florida — $10,000 – $500,000
- Trucking funding in Florida — $20,000 – $400,000
- Construction funding in Florida — $15,000 – $400,000
- Healthcare funding in Florida — $25,000 – $500,000
- Retail funding in Georgia — $10,000 – $250,000
- Retail funding in Texas — $10,000 – $250,000
- Retail funding in New York — $10,000 – $250,000
- Retail funding in California — $10,000 – $250,000