Florida funding for construction and hospitality businesses — matched to what you can actually repay, not just what you qualify for.
Equipment, materials, payroll and bonding capital for contractors who can't wait on a draw.
Working capital for restaurants and hospitality businesses managing seasonal cash flow.
Progress payments, retainage holds, and slow draws don't stop material costs or payroll. We match Florida contractors with funding built around how you actually get paid.
Banks underwrite on paperwork. We underwrite on job volume and cash flow — because a strong contractor with a temporary gap between a draw and a bill shouldn't be treated like a credit risk.
Fund a new or used piece of equipment with the asset itself as collateral, so you're not tying up cash reserves.
Cover payroll, materials, or a slow month between draws without stalling the project.
Draw what you need for bulk material buys or bid deposits, repay, and reuse without reapplying.
Turn a completed, invoiced job into cash now instead of waiting out a 60- or 90-day payment cycle.
We won't stack a cash advance on top of one you're already carrying, and we'll tell you directly if a line of credit fits your job cycle better than a faster, more expensive advance — even when the advance would pay us more.
Most of our construction partners don't set a hard credit score minimum. Approval leans on monthly revenue, job volume, and time in business instead.
Yes. Working capital and lines of credit are commonly used for crew payroll, subcontractor payments, and material deposits.
Most partners want at least 6 months in business and consistent monthly deposits. If you're newer than that, we'll tell you honestly rather than string out an application that won't clear underwriting.
Once matched, most working capital and equipment deals fund within 24–48 hours. Larger equipment or SBA-backed options take longer but cost less.
Tourism swings, weather closures, and thin margins don't stop rent or payroll. We match Florida restaurants and hospitality businesses with funding built around real seasonal cash flow.
Banks want two years of tax returns and a credit score most operators can't hit after a rough season. We look at your daily deposits and cash flow instead — because a strong restaurant with a slow month shouldn't be treated like a startup.
Fast cash for payroll, inventory, or repairs, repaid as a percentage of sales so it flexes with a slow week.
Replace a walk-in cooler, oven, or POS system without draining cash reserves.
Draw for a bulk inventory buy or seasonal staffing push, repay, and reuse without reapplying.
Fund a dining room refresh, second location, or menu relaunch with a lump sum and fixed schedule.
We won't push a daily-repayment advance onto a restaurant already tight on cash flow during off-season. If your numbers say you can't carry it, we'll say so — and help you build toward qualifying instead.
Most restaurant funding partners weigh daily deposits and time in business more heavily than personal credit. A low score isn't an automatic no.
Yes — this is one of the most common uses. Repayment structures can flex with lower sales rather than demanding a fixed payment regardless of revenue.
Most partners want 6 months or more in operation with steady deposits. If you're newer, we'll be direct about it rather than waste your time.
Working capital and equipment financing typically fund within 24–48 hours of approval. Larger renovation or expansion financing takes longer but costs less.
Tell us about your business once. We'll match you to a construction or hospitality funding option — no cost to apply, and no runaround if it's not a fit yet.
No cost to apply. We'll tell you honestly if it's not a fit.
Most applications reviewed same day
King Tide Funding is a referral service, not a lender. We don't hold or move your funds — we connect you to a vetted funding partner who does.