Florida
Business funding in Florida.
Citadel Ridge arranges facilities for operating businesses in Florida through third party lenders and funders, across all 10 structures. This page starts with the protection Florida law already gives you, because most owners do not know they have it.
Last reviewed September 18, 2026.
Your rights first
What Florida requires before you sign.
In Florida, an advance fee demanded by a broker before closing is not merely a bad sign. It is against the statute.
The Florida Commercial Financing Disclosure Law took effect on January 1, 2024 and requires a provider to give a standard disclosure on commercial financing of $500,000 or less. Florida also wrote conduct rules aimed squarely at brokers: a broker may not assess or collect a fee before closing, may not make false or misleading statements about an offer, and must comply with the broker provisions of the act.
Citadel Ridge is a broker and advisor, not a provider. It does not extend financing, does not set the terms of any offer, and does not prepare the provider's statutory disclosure. What it does is pass that disclosure to you exactly as issued, put the annualized cost of every offer in front of you computed the same way, and disclose in writing what the firm is paid on your transaction before you sign. The full picture across every state with a law is on the state disclosures page, and the compensation mechanics are on the how we get paid page.
Worth knowing. Florida files are marketed heavily. Check the fee rules above before you pay anyone anything.
The market here
What Florida files look like.
Appetite follows the economy.
Florida is construction, hospitality, healthcare services, marine, agriculture and an unusually high density of young businesses, which is exactly the profile funders price for risk. Seasonality is real here and a line of credit or a factoring facility frequently fits better than the advance that gets marketed.
Whatever the sector, the read is the same: what the deposits actually show, what is already debiting the account, what the business owns free and clear, and what the file is missing. Industry specific detail for the 6 verticals this firm works most often is on the industry pages.
Before you call anyone
Do these 3 things.
They cost nothing, they take an afternoon, and they change what the market will quote you.
Measure what you already carry
If you have advance positions, run the stack calculator and get the monthly debit load as a share of deposits. If you are holding a single offer, run the factor rate converter. Most owners have never seen either number, and both of them decide what structure is even available.
Assemble the file
4 to 6 months of business bank statements, recent financial statements, a debt schedule listing every obligation including advances, and a note on anything unusual in the statements. A complete file gets competing offers. An incomplete one gets a single quote priced for the counterparty's uncertainty. The funding file checklist is free and takes no email address.
Use the free public help
Before paying anyone, use what already exists: the Small Business Administration's local assistance finder at sba.gov/local-assistance lists the SBA district office, SCORE chapters, Small Business Development Centers and Women's Business Centers serving Florida, all at no charge. They are not a substitute for a capital process, and they are a good place to start.
Summaries of Florida law are general information, not legal advice, and the statutes and regulations govern. Thresholds, exemptions and effective dates change; this page is reviewed quarterly and on any change in law. Citadel Ridge LLC is not a lender and does not make credit decisions. Every facility is arranged through third party lenders and funders and is subject to their underwriting and approval.
Start with the file
A straight read within 2 business days.
Send the basics through the intake form: what the file supports, what is missing, and the next step if there is one. If we are not the right desk for it, we say so.