Miami Market
Miami is a global city. International finance, trade with Latin America, Port Miami, a booming tech migration from San Francisco and New York — this isn't just a beach town. Wynwood and Brickell are ground zero for commercial development. Miami has the highest international business density in the US.
The real estate market here is unlike anything in the Southeast. Multifamily properties in Wynwood, office space in Brickell, industrial in Doral — every asset class is moving. Art Basel, the tech exodus, and continued international investment are pouring fuel on an already hot market.
For Miami business owners, speed is the differentiator. Properties go under contract in 48 hours. If your financing isn't ready before you make the offer, you're not competitive. Banks that take 60–90 days don't work in this market.
Real Results
Real financing scenarios for Miami businesses 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.
$4.8M funded → 10% down → 1.52x DSCR
$1.2M revenue-based capital stack for a Brickell restaurant group expansion: equipment financing for the full kitchen buildout, bar, and dining room + working capital against the operator's first location doing $1.8M/year (see /loans/business-acquisition).
$1.2M funded → 24 days → Brickell expansion live
$800K revenue-based capital stack for a Coral Gables medical practice acquisition: term loan against $1.4M annual 3-provider revenue + equipment financing + working capital. Funded in 28 days (see /loans/business-acquisition).
$800K funded → 28 days → Coral Gables practice
$2M warehouse acquisition in Doral for a wholesale distribution company serving Latin America. SBA 504 with 10% down. Building appraised at $2.3M — instant equity.
$2M funded → 10% down → $300K instant equity
“We had 72 hours to get financing in place for a $4.8M multifamily in Wynwood or lose it to an all-cash buyer. Basecamp had a term sheet in 48 hours. Closed in 24 days. No bank in Miami 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
Soft-pull pre-qual · No obligation · Estimate only
Industries We Fund
Miami's construction boom is multi-year. Residential towers, mixed-use, and commercial across Miami-Dade.
🍽️Brickell, Wynwood, Design District, South Beach. Miami's food scene is globally recognized.
🦷International patient demand, growing population, practice acquisitions accelerating.
⚖️Miami's legal market is internationally ranked. Immigration, international trade, and insurance litigation.
📦Port Miami and Doral make Miami a wholesale hub for the Americas.
💆Miami is the med spa capital of the Southeast. Aesthetics drives serious revenue here.
Market Data
Key business cost metrics for Miami, FL.
| Category | Miami Data |
|---|---|
| Commercial Rent | $45–$78/sq ft (office) · $12–$20/sq ft (industrial) |
| Average Wages | $52,300 median household income |
| Permits & Licensing | $1,500–$12,000+ depending on scope |
| Commercial Property Prices | $300–$650/sq ft (commercial office) |
Why Basecamp
Here's why Miami business owners choose Basecamp over their local bank.
| Category | Traditional Bank | Basecamp Funding |
|---|---|---|
| Number of lenders | 1 bank, 1 answer | 70+ lenders compete for your business |
| Application time | 60–90 minutes in-branch | 60 seconds online |
| Time to funding | 45–90 days | Same day to 30 days |
| Capital available | Limited to bank's appetite | Capital stacks up to $20M+ |
| Credit requirements | 720+ FICO typical | Revenue-focused — we evaluate total business performance |
| Specialist support | Loan officer managing 50+ files | Dedicated specialist for your transaction |
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.
Talk to a Commercial Specialist →$5M – $20M+
Complex transactions. Multi-lender capital stacks. Acquisitions, CRE, fleet buildouts.
Request a Financing Review →Recommended Products
The most popular funding types for businesses in Miami. Each links to a detailed product page.
Miami's $7.2B CRE market is the hottest in the Southeast. SBA 504 and conventional with 10% down.
View Product Details →Best rates for acquisitions, real estate, and restaurant expansions across Miami-Dade.
View Product Details →Construction fleets, medical devices, restaurant equipment — Miami runs on heavy assets.
View Product Details →Bridge cash flow in Miami's fast-moving market. Fund in 1–3 days.
View Product Details →FAQ
Our team works with Miami business owners every week — and the common thread is speed. This isn't a market where you can wait 60 days for a bank. Multifamily properties in Wynwood get 10+ offers in the first week. Construction companies are scaling for projects that start next month, not next quarter. Doral warehouses are getting snapped up by import-export companies before they even hit the market.
Here's what works in Miami: have your financing structured before you make the offer. Capital stacking is how our team gets it done — SBA 504 for the building, equipment financing for what goes inside, working capital to bridge the transition. Three lenders, optimized rates, one application. In a market this competitive, your financing can't be the bottleneck. Run your numbers through our commercial funding calculator first. Businesses in neighboring Georgia and Alabama use the same platform.
Bobby Friel
Founder, Basecamp Funding
Nearby Markets
Click through to see funding scenarios, local industry focus, and commercial financing for businesses in these Florida metros.
Tampa is the fastest-growing major metro in Florida. Tech companies are relocating here (ReliaQuest, ConnectWise), healt...
Orlando's tourism economy generates $75B+ annually. Theme parks — Disney, Universal, SeaWorld — are the engine, but the ...
Jacksonville is a logistics powerhouse. JAXPORT is one of the busiest ports in the Southeast, handling containers, vehic...
Fort Lauderdale is more than Miami's neighbor. Port Everglades is one of the busiest cruise and cargo ports in the count...
Naples-Fort Myers is one of the wealthiest markets in Florida. High net worth retirees drive enormous healthcare demand ...
Palm Beach is where Wall Street meets the beach. The hedge fund and wealth management migration from New York has transf...
St. Petersburg is Tampa Bay's cultural hub and one of Florida's fastest-growing downtown markets. Beach Drive, Central A...
Sarasota is arts, culture, and retirement — but the economy is evolving. Siesta Key tourism is a massive driver, but Sar...
Boca Raton is corporate South Florida. Office Depot, ADT, and dozens of mid-market companies are headquartered here. Flo...
For capital stacks combining SBA, commercial real estate, equipment, and working capital into one structured package from $500K to $20M+, our commercial team structures the full transaction across multiple lenders.
Explore Commercial Financing →One application. 70+ lenders compete. Your dedicated specialist presents your best options.
Soft-pull pre-qual · No obligation · 60 seconds
