Florida Market
Florida adds 1,000+ new residents per day. No state income tax makes it the top relocation destination for businesses leaving New York, California, and Illinois. Miami is a global finance and trade hub — the gateway to Latin America. Tampa is one of the fastest-growing tech and healthcare markets. Orlando's tourism economy generates $75B+ annually. Jacksonville is a logistics and military powerhouse.
But Florida's growth creates pressure: commercial real estate moves in hours, not days. Insurance costs are the highest in the nation. Hurricane season creates annual cash flow disruption for every coastal business. Seasonal tourism means feast or famine for hospitality and restaurants. Florida businesses need financing that's fast, flexible, and structured for volatility.
Real Results
Real financing scenarios for Florida businesses. Every number is based on actual transactions through our lender network.
$4.8M acquisition of a 30-unit multifamily property in Wynwood. SBA 504 with 10% down. NOI: $420K. DSCR: 1.52x. Monthly payment $2,400 less than comparable rental income. Building equity in the hottest multifamily market in the Southeast.
$4.8M funded → 10% down → 1.52x DSCR
$700K for a waterfront restaurant expanding outdoor seating and upgrading their kitchen. Equipment financing + working capital for the 3-month renovation. Funded in 6 days — construction started before tourist season.
$700K funded → 6 days → ready for season
$1.6M dental practice acquisition. 3 operatories, $2.4M annual revenue. SBA 7(a) with 10% down. Seller was 3 weeks from accepting a DSO offer.
$1.6M funded → beat corporate → 10% down
$1.2M for a commercial roofing contractor scaling hurricane season capacity. $700K equipment + $500K working capital for crew and materials. Two products, funded in 11 days.
$1.2M funded → 2 products → mobilized for storm season
$2.8M fleet expansion for a port logistics company serving Port Everglades. 10 new trucks + 4 trailers. Equipment financing at 10% down across two lenders.
$2.8M funded → 10% down → port-ready fleet
$1.5M in diagnostic imaging equipment for a medical group. 10% down ($150K). Section 179 deducted $1.5M. Tax savings: $555K at 37% rate.
$1.5M equipment → $150K down → $555K tax savings
“Florida real estate moves fast. We had 72 hours to get financing in place for a $4.8M multifamily property or lose it to an all-cash buyer. Basecamp had a term sheet in 48 hours. Closed in 24 days. No bank could have done that.”
— Real estate investor, Miami FL
Get Started
One application — 60 seconds. 70+ lenders compete. Your dedicated specialist presents your best options.
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Industries We Fund
Hurricane rebuilds, commercial development, residential booming across all metros. Florida never stops building.
🍽️From Miami's Brickell to Tampa's Riverwalk — Florida's restaurant scene thrives on tourism and population growth.
🦷Massive retirement population drives healthcare demand. Dental, medical practices, and urgent care expanding statewide.
🚛Port Miami, Port Everglades, JAXPORT — Florida's ports feed a massive trucking and logistics network.
📦Three major ports and 22M+ consumers. Florida is a wholesale and distribution powerhouse.
🔧20M+ registered vehicles, year-round driving, salt air corrosion. Florida auto shops stay busy.
💆Miami, Naples, Palm Beach — Florida's aesthetics market is among the largest in the US.
⚖️Miami's legal market is internationally ranked. Insurance litigation alone drives massive revenue.
🏭Food processing, marine, aerospace (Melbourne, Jacksonville). Growing manufacturing base.
Market Data
| Metro | 2025 CRE Lending Vol | Hottest Sector | Avg Transaction | Vacancy Trend |
|---|---|---|---|---|
| Miami-Dade | $7.2B | Multifamily / industrial | $4.5M | Declining |
| Tampa-St Pete | $4.8B | Multifamily / medical | $2.8M | Stable |
| Orlando | $3.5B | Hospitality / multifamily | $2.2M | Stable |
| Jacksonville | $2.5B | Industrial / logistics | $1.8M | Declining |
| Fort Lauderdale | $2.1B | Multifamily / marine | $3.1M | Stable |
Florida's $20.1B CRE market is the largest in the Southeast. Multifamily and industrial dominate — but every sector is active across all five major metros.
See What You Qualify For in Florida →By City
City-specific funding guides with local market data, funded scenarios, and lender insights.
Whether you're a growing startup or a multi-million-dollar operation, we match you with the right product and amount.
$10K – $1M
Revenue-based funding for working capital, equipment, and growth. Most fund in 1–3 days.
See What You Qualify For →$1M – $5M
Structured financing with capital stacking. Dedicated commercial specialist. Multiple lenders optimized.
Talk to a Commercial Specialist →$5M – $10M+
Complex transactions. Multi-lender capital stacks. Acquisitions, CRE, fleet buildouts. Dedicated team.
Request a Financing Review →Products
Every product available through our 70+ lender network. Each links to a detailed product page.
Flexible cash to cover operations, payroll, and growth.
Draw funds as needed. Only pay interest on what you use.
Finance or lease equipment with the asset as collateral.
Government-backed loans with competitive rates and long terms.
Get paid today on invoices due in 30–90 days.
Repayments flex with your daily or weekly revenue.
Lump sum with fixed monthly payments over 6 months–10 years.
Advance on future card sales. Fast funding, flexible repayment.
Finance property purchases, renovations, or refinancing.
Funding built for franchise acquisitions and expansions.
Acquire a competitor, buy a practice, expand your portfolio.
Fund large orders before you fulfill them. The PO is the collateral.
Requirements
Most Florida businesses qualify. Here's what you need to get started.
Based on your last 4 months of bank deposits
Minimum time in business for most products
Dedicated business account required
Proof your business is registered
Driver's license or passport
Lenders for every credit profile
FAQ
Our team works with Florida business owners from Miami to Jacksonville — and the common thread is speed. Florida's economy doesn't wait. Multifamily properties in Wynwood get 10 offers in the first week. Construction companies need equipment mobilized before hurricane season. Port logistics companies need fleet expansions funded before new contracts start. If your financing takes 60–90 days at a bank, you're losing opportunities to competitors who can move faster.
Here's what most Florida business owners get wrong: they go to one bank and accept whatever that bank offers. One bank, one answer. Through Basecamp, one 60-second application reaches 70+ lenders who compete for your business. Capital stacking means a $4.8M multifamily acquisition doesn't have to come from a single source. SBA 504 for the building, equipment financing for improvements, working capital for the transition — three lenders, optimized rates, structured in days.
Florida's $20.1B CRE market is the largest in the Southeast. Whether you're buying a warehouse near JAXPORT, a restaurant on Miami's Brickell, or a medical office in Tampa — our team structures the financing before you make the offer. That's how you win in Florida. Run your numbers through our commercial funding calculator to see what you qualify for, or go straight to commercial financing for transactions over $1M.
— Bobby Friel, Basecamp Funding - Founder
One application. 70+ lenders compete. Your dedicated specialist presents your best options.
No credit impact · No obligation · 60 seconds
