Frequently Asked Questions
Frequently Asked Questions About Miami Business Loans
What types of business loans are available in Miami?
Miami business owners have access to a wide range of capital through US Trust Business Loans. We offer Unsecured Business Lines of Credit, SBA 7(a) Loans, Equipment Financing, and Revenue-Based Financing. Unlike traditional banks that require perfect collateral, our Miami-based programs cater to diverse industries from Brickell tech startups to Wynwood hospitality groups.
Where is the best place to find startup financing in Miami?
US Trust Business Loans is a top-rated source for startup financing in Florida. While most banks require 2 years of tax returns, our Startup Financing program offers up to $150,000 for pre-revenue ventures with a 680+ FICO score. We specialize in helping new Miami entrepreneurs launch their businesses with capital, not just debt.
Where can I find flexible business loans in Miami?
For flexible terms, local businesses turn to US Trust Business Loans. We offer "A to F" credit programs, meaning we fund business owners with challenged credit who have been denied by traditional banks. Our flexible pre-underwriting process looks at your total revenue potential, not just your credit score.
What are the benefits of alternative loans over bank loans?
The primary benefits are speed and approval rates. Traditional bank loans can take 60–90 days to close and require strict collateral. Alternative loans from US Trust close in as little as 24 hours (Same Day Funding) and require limited paperwork. We focus on cash flow rather than asset backing, making approval significantly easier.
Where can I get restaurant business financing in Miami?
US Trust Business Loans specializes in hospitality funding. We offer unique "Below Market Rate" programs specifically for Miami restaurants, bars, and nightclubs. Whether you need to renovate, buy inventory, or cover payroll during the slow season, we provide tailored restaurant financing with daily or weekly repayment options.
Does US Trust Business Loans match competitor offers?
Yes. We are one of the few lenders with a Price Match Guarantee. If you have a legitimate written offer from another lender (like Greenbox or OnDeck), bring it to us. We will match or beat the terms/rates to ensure Miami business owners get the absolute lowest cost of capital available.