Florida construction market context
Florida has no state commercial financing disclosure law (as of 2026), so MCA offers don't include mandatory APR-equivalent disclosure. Always ask for it anyway. Hurricane season (June-November) is a structural variable for Florida construction. Restoration contractors specifically benefit from hurricane events (revenue spikes); general contractors face delays from supply chain disruption. Funders that understand this differential price accordingly. Project sizes we see most often: $100K-$500K residential remodels (occasional MCA fit), $500K-$2M commercial GCs (factoring + occasional MCA), $2M+ specialty (mostly SBA + factoring).
Top funders for Florida contractors
Fora Financial
Wide construction acceptance including hurricane restoration; $1.5M cap; 5% renewal discount; understands FL seasonality.
Greenbox Capital
Up to $250K MCA, 6+ month operators OK; common FL construction funder. Direct application path available.
Forward Financing
B-paper specialist; reconciliation policy responds to hurricane-driven project delays.
Credibly
Selective on construction but underwrites established FL contractors; multi-product flexibility.
Florida cities and construction markets
- Miami / South Florida — High-end residential remodel + commercial buildouts. Project sizes large ($500K-$5M GCs common). Long DSO from international and snowbird owner financing.
- Orlando — Tourism-feed commercial work + residential growth. Hurricane prep + restoration creates predictable seasonal volume.
- Tampa Bay — Mid-size GC density highest in central FL. Hurricane risk + restoration upside both real factors.
- Jacksonville — Mix of residential, commercial, and military contract work. Smaller funder pool than South FL; more broker-placed deals.
The funding math, in Florida terms
A Tampa hurricane-restoration GC doing $250K/month average ($600K post-hurricane peak months) needs $100K to staff up and pre-purchase materials before a confirmed insurance-paid restoration contract starts in 30 days. - Factor the insurance carrier invoice (when generated): typically 2-3% on insurance AR; cash hits within days. Insurance AR is highly factorable. - $100K MCA at 1.32 factor over 9 months: $132K payback, ~$485/day ACH. Brutal during pre-revenue stage. - SBA Express LOC: $100K limit, prime + 4.5-6.5%, interest-only during draw. Cheapest but 5-10 day setup. - Hybrid: factor insurance AR + small bridge MCA ($25K-$30K) for pre-revenue staffing. Best fit: factor restoration AR aggressively; use MCA only for narrow pre-revenue gap if SBA isn't pre-approved.
Other industries we fund in Florida
Not construction? Here's funding qualification context for the other Florida verticals we route most often:
- Restaurants funding in Florida — $15,000 – $250,000
- Professional Services funding in Florida — $10,000 – $300,000
- Retail funding in Florida — $10,000 – $200,000
- E-commerce funding in Florida — $10,000 – $500,000
- Trucking funding in Florida — $20,000 – $400,000
- Healthcare funding in Florida — $25,000 – $500,000
- Auto Repair funding in Florida — $10,000 – $200,000
- HVAC Contractors funding in Florida — $15,000 – $300,000
- Salons and Spas funding in Florida — $10,000 – $200,000
- Daycare and Childcare Centers funding in Florida — $10,000 – $250,000
- Gas Stations and C-Stores funding in Florida — $15,000 – $400,000
- Landscaping funding in Florida — $10,000 – $200,000
- Cleaning Services funding in Florida — $10,000 – $200,000
- Staffing Agencies funding in Florida — $25,000 – $500,000
- Dental Practices funding in Florida — $20,000 – $500,000
- Food Trucks and Mobile Vendors funding in Florida — $10,000 – $150,000
- Bars and Breweries funding in Florida — $15,000 – $300,000
- Gyms and Fitness Studios funding in Florida — $10,000 – $250,000
- Accounting and CPA Firms funding in Florida — $15,000 – $200,000
- Manufacturing funding in Florida — $25,000 – $500,000
Related reading for Florida contractors
- Construction funding in Florida — qualification + paperwork
- Best MCA funders for construction 2026
- MCA vs LOC vs term loan
- All MCA funders ranked for 2026
Frequently asked questions
Frequently asked questions
- Are FL hurricane restoration contractors a better MCA fit than general GCs?
- Mixed. Restoration revenue spikes are real and predictable, but the AR is paid by insurance carriers — which is highly factorable. Most restoration contractors we see do better with factoring than MCA. The exception: pre-revenue staffing bridges where AR isn't invoiced yet.
- How do FL funders handle hurricane-driven project delays?
- Varies. Credibly and Forward Financing have formal reconciliation that accepts documented delays. Generalist MCA shops often don't. Get the hurricane delay policy in writing before signing.
- What's a typical FL residential GC MCA rate?
- B-paper (12+ months, $25K+/mo, 580+ credit, 6+ months operating): 1.28-1.40 typical. A-paper (24+ months, $50K+/mo, 650+ credit): 1.18-1.28 reachable at Credibly or Forward.
- Should Miami high-end remodel GCs consider MCA?
- Sometimes. Long DSO from international/snowbird owners makes bridge financing common. But $500K+ remodels are often best funded with private credit lines secured against the project, not MCA. Talk to a construction-focused private lender first.