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Quick Answer

Yes. Florida contractors qualify for merchant cash advances based on bank deposit volume — not credit scores, years in business, or bank relationships. A bank decline does not affect MCA eligibility. Minimum requirements: 6 months in business, $10,000/month in deposits, 500 FICO. Florida's booming construction market means contractors with consistent project deposits qualify even with credit challenges.

Florida  ·  Contractor Funding

Contractor Funding in Florida
Miami, Tampa, Orlando & Statewide

Quick Answer — Florida Contractors

Florida contractors qualify for MCA based on monthly bank deposits — not credit scores or project contracts. Minimum: $10,000/month in deposits, 500 FICO, 6 months operating. Advance range: $20,000–$300,000. Decision in 2–6 hours. Funded in 24–48 hours. Draw cycle bridging, materials capital, equipment, and payroll — all approved uses. No bank paperwork, no collateral, no hard credit pull.

Florida's construction boom has created a capital demand that banks can't keep up with. MCA funds in days, not months.

$20K–$300K
Advance range
40+
Competing funders
24–48 hrs
Funding timeline
500
Min FICO

Florida Markets

Contractor Funding by Florida City

Miami / South Florida
High-value residential and commercial construction. Bilingual Spanish-English market. High deposit volumes from large project draws.
Typical: $30K–$300K
Tampa Bay
Fastest-growing Florida construction market. Roofing, general contracting, HVAC, and plumbing all qualify. Strong underwriting outcomes.
Typical: $20K–$200K
Orlando / Central FL
Tourism-adjacent construction: hotels, retail, residential. Strong project draw cycles. Disney-adjacent subcontractors common.
Typical: $20K–$150K
Jacksonville
Large residential market. Military contractor community. HVAC and plumbing heavy market given Florida climate.
Typical: $15K–$120K
Fort Lauderdale / Palm Beach
Luxury residential market. Marine contractor community. High per-project revenue creates strong deposit profiles.
Typical: $25K–$250K
Naples / Fort Myers / Sarasota
Post-Ian reconstruction created sustained contractor demand. Roofing and restoration contractor MCA needs are high.
Typical: $15K–$100K

Common Funding Needs

Why Florida Contractors Use MCA

Draw Cycle Bridge

Materials and labor must be paid before the next AIA draw is released. MCA bridges the 2–4 week gap without pausing work.

Hurricane Season Preparation

Stock materials and equipment before storm season demand peaks. Suppliers require payment before storms arrive.

Equipment Replacement

Failed equipment stops the job. Bank equipment loans take weeks. MCA funds replacement or rental in 24 hours.

Subcontractor Payroll

Subs must be paid on their schedule, not the general contractor's draw cycle. MCA provides the payroll bridge.

New Contract Start Costs

Winning a large contract creates startup costs — permits, insurance, mobilization — before the first draw.

Materials Price Lock

Florida lumber and materials prices fluctuate. MCA lets contractors lock in material pricing when available.

Qualification

Florida Contractor MCA Requirements

Minimum Monthly Deposits
$10,000/month
Minimum FICO Score
500 (soft pull only)
Time in Business
6+ months operating
Documents Required
6 consecutive months bank statements + application
Advance Range
$20,000–$300,000
Funding Timeline
Decision 2–6 hrs; funded 24–48 hrs

Tax liens accepted with IRS/FL DOR payment plan. Prior bankruptcies reviewed case-by-case. Bank declines OK. Florida contractor license not required for MCA — any registered FL business entity qualifies.

FAQ

Florida Contractor Funding — FAQ

Can a Florida contractor get an MCA after a bank decline?
Yes. Florida contractors qualify for merchant cash advances based on bank deposit volume — not credit scores or bank relationships. A bank decline does not affect MCA eligibility. Minimum: 6 months in business, $10,000/month in deposits, 500 FICO. Florida's booming construction market means contractors with consistent project deposits qualify even with credit challenges.
How much can a Florida contractor get with MCA?
Florida contractor MCA amounts typically range from $20,000 to $300,000 depending on monthly deposits. A Miami GC averaging $80,000/month may qualify for $60,000–$120,000. A Tampa roofer averaging $50,000/month may qualify for $37,500–$75,000. A Jacksonville HVAC company averaging $35,000/month may qualify for $26,250–$52,500.
Can a Florida contractor use MCA to bridge draw cycle gaps?
Yes — draw cycle bridging is one of the most common uses for contractor MCA in Florida. When materials and labor must be paid before the next construction draw is released, MCA provides the 2–4 week bridge without requiring the contractor to pause work. The advance is repaid from daily bank deposits as draws arrive.
What Florida contractor types qualify for MCA?
All general contractor types in Florida qualify: GCs, roofing contractors, HVAC, electrical, plumbing, landscaping, painting, drywall, concrete, framing, flooring, and specialty subcontractors. The primary requirement is 6 months operating with $10,000+/month in bank deposits.
Can a Florida contractor get MCA during slow season?
Yes. Florida contractors face slower periods in late summer (hurricane uncertainty slows new starts) and some coastal markets see slower winters. MCA holdback payments automatically scale with daily deposits — slower periods produce smaller payments without the contractor needing to request any adjustment.
Can a Florida contractor get MCA with a tax lien?
A tax lien does not automatically disqualify a Florida contractor from MCA approval. Many funders in T.A.G.'s network work with businesses carrying IRS or Florida DOR tax liens, provided the business is on a payment plan and monthly deposits are consistent. The lien must be disclosed upfront.

Related Pages

Contractor Funding Hub → Florida Business Funding → Construction Business Funding → Roofing Contractor Funding → HVAC Business Funding → Contractor MCA Calculator →

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