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Fast Cash Funding offers merchant cash advances and cash flow credit programs to small businesses, with same-day approval available. They provide up to $1M in funding for inventory, equipment, payroll, and growth.
Data compiled from public sources
short-term cash access Funding is a business funding provider based in Miami, Florida, operating from the Citigroup Center at 201 S Biscayne Blvd. " They market aggressively on speed and accessibility, prominently featuring provider-stated same-day approval timing and funding capabilities. The company offers two primary products: Merchant Cash Advances (MCA) for businesses accepting credit or debit cards, and a Cash Flow Credit Program that provides yearly funding disbursed monthly to cover expenses like payroll and inventory.
They claim to provide up to $1 million in funding and position their funding staff context as consultants who present multiple options rather than pushing a single product. What distinguishes short-term cash access Funding is their explicit acceptance of lower credit profiles and emphasis on speed—provider-stated same-day approval timing is prominently advertised on their homepage. They frame themselves as advisors helping businesses choose rather than gatekeepers, and their testimonials emphasize approval despite previous rejections from other lenders.
short-term cash access Funding should be evaluated with caution as a traditional funding source. Merchant cash advances are not loans and typically carry significantly higher effective cost rates than conventional small business loans. The website lacks critical transparency around pricing, APR, fees, repayment terms, and actual approval requirements despite claims of flexibility.
The aggressive "provider-stated same-day approval timing" marketing and emphasis on serving rejected applicants suggests a high-cost lending model. No regulatory disclosures, licensing information, or third-party reviews are presented on the website.
This is state-level context for Business Loans consumers in Miami, FL. It does not confirm that Fast Cash Funding or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Status: Permitted
Rate context: 18% APR for loans under $500,000; no cap for loans $500,000 and above
Personal loans are regulated under Florida's usury laws (Fla. Stat. § 687.02). The Office of Financial Regulation oversees licensed lenders.
Status: Permitted
Rate context: Tiered rate caps under the Florida Consumer Finance Act (Fla. Stat. § 687.101-687.308): rates vary based on loan amount and structure; maximum rates generally range from 18-25% depending on loan size and repayment terms
Installment lenders must be licensed by the Office of Financial Regulation. The Consumer Finance Act establishes specific rate schedules for different loan amounts.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Fast Cash Funding offers 9 services including Merchant Cash Advance (MCA) - funding against future credit/debit card sales, Cash Flow Credit Program - yearly funding disbursed monthly for payroll and inventory, Same-day approval and funding processing, Up to $1 million funding amounts, Funding for inventory purchases, and 4 more.
Fast Cash Funding has profile signals associated with Small business owners who accept credit cards and need quick capital injection despite poor traditional lending options, Merchants with strong credit card sales who can sustain factor-rate repayments from future receipts, Business owners willing to pay premium costs in exchange for genuinely published application timing and limited-documentation claims to verify.
Key strengths: Advertises provider-stated same-day approval timing and funding availability, appealing to businesses needing urgent capital; Explicitly states willingness to work with businesses regardless of credit profile; Offers two distinct product types (MCA and cash flow programs) to address different business needs. Areas to consider: Merchant cash advances typically carry far higher effective costs than traditional loans, often 40-200%+ APR equivalent, with no pricing transparency on website; Critical information absent: no APR, fees, repayment terms, or actual approval criteria disclosed despite claims of flexibility.
In the Business Loans category, comparable providers include Automotive Fresh Start Center, Cocard, Florida First Capital Finance. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
short-term cash access Funding is profile signals for small business owners accepting credit cards who have been rejected by traditional lenders and need capital immediately, but recognize the critical caveat that merchant cash advances are expensive non-loan products with effective costs potentially exceeding 100% APR. Business owners should only pursue this after exhausting conventional SBA loans, bank lines of credit, and CDFI lenders, as the long-term cost of capital here is substantial.
Auto lender specializing in vehicle financing for consumers with challenged credit, active bankruptcy, or no credit history. Offers direct-to-door delivery and works with multiple lenders to secure approval.
Profile signals: Consumers in active Chapter 7 bankruptcy seeking to purchase a vehicle during the filing process, Recently discharged bankrupts (within 1-2 years) unable to qualify for bank/credit union auto loans
Payment processing network of owner-operated ISOs offering credit/debit card terminals, mobile processing, and merchant services since 1999.
Profile signals: Small retail and restaurant businesses seeking payment processing with lower overhead costs, Mobile vendors, food trucks, and outdoor event merchants who need wireless or portable terminals
SBA 504 lender serving Alabama, Florida, and Georgia with fixed-rate commercial real estate, equipment, and debt refinancing loans for small businesses.
Profile signals: Established small business owners purchasing or expanding commercial real estate with 10%+ equity available, Companies seeking to refinance existing commercial debt at lower rates without business expansion plans
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
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