Florida · Small business funding
Merchant cash advances in Florida
Advances from $10,000 to $500,000 for Florida businesses, underwritten on deposit history rather than credit score.
GLD Factoring LLC DBA GLD Funding provides merchant cash advances to Florida businesses from $10,000 to $500,000. Florida applicants submit 4 months of business bank statements. Approval is based primarily on business performance and cash flow, and same-day funding is available on signed contracts.
Disclosure law in force
The Commercial Financing Disclosure Law requires written disclosure of total funds, finance charge, and payment terms at the time of offer.
Your right to a written disclosure in Florida
Florida requires commercial financing providers to give you a written disclosure of cost and terms before you sign. That means you are entitled to see the total dollar cost and repayment terms in writing - from any funder, not just this one.
Use it. Reduce every offer you receive to the same figure: what leaves your account in total, and what gets debited how often.
What Florida businesses use funding for
Across trades, the pattern is consistent: capital that has to arrive before the revenue it unlocks. Inventory ahead of a season, equipment that failed without warning, payroll between progress payments, a second location while the first is still paying for itself.
Applying from Florida
The application is entirely online. You will need 4 months of business bank statements - or you can connect your bank read-only and skip the upload.
See what your business may qualify for
Answer a few simple questions to get started. No credit inquiry during the eligibility check.
Questions
Funding in Florida.
Are merchant cash advances legal in Florida?
Yes. Merchant cash advances are legal in Florida, and the state regulates how they must be disclosed. The Commercial Financing Disclosure Law requires written disclosure of total funds, finance charge, and payment terms at the time of offer.
How many bank statements do Florida businesses need?
Florida businesses provide four months of business bank statements, plus basic business and owner details, to get started. Additional documents may be requested if your file needs them.
How much can a Florida business get?
Advances range from $10,000 to $500,000. The amount is driven by average monthly deposits rather than credit score, and is determined by underwriting your business performance and cash flow.
How fast can a Florida business get funded?
Once we have a complete file, underwriting moves quickly and same-day funding is available on signed contracts. Actual timing depends on underwriting and your bank.
Regulatory information on this page is provided for general guidance and is not legal advice. Commercial financing requirements change; confirm current obligations with qualified counsel. GLD Factoring LLC DBA GLD Funding is not a bank and does not offer loans - a merchant cash advance is the purchase of future receivables.
See what your Florida business may qualify for.
Answer a few simple questions to get started. No credit inquiry during the eligibility check.