Stuck in an expensive daily payment? We buy out your existing position and restructure it into lower, more manageable terms — so you keep more of your revenue.
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Miami's cost of doing business is among the highest in the Southeast. Between commercial rents in Brickell averaging $65+ per square foot, rising insurance premiums, and a competitive labor market, daily payment obligations can suffocate a healthy business. A buyout restructures your existing position into terms that actually match your cash flow.
We buy out your current position and restructure into reduced daily or weekly payments, putting cash back in your operating account.
No more juggling multiple funders. One consolidated payment, one point of contact, one clear payoff date.
Submit 3 months of bank statements and get a buyout decision within hours — not weeks.
Buyout approval is based on your business revenue and bank deposits, not your personal FICO score.
A business loan buyout is straightforward. We pay off your existing funder directly, close out your current position, and issue you a new agreement with better terms. The entire process typically takes 24 to 48 hours from application to funding.
Miami businesses often take on funding at high factor rates during busy season — Art Basel week, spring break tourism surges, or holiday retail pushes — and then get locked into those expensive terms year-round. A buyout resets your payment to match your actual revenue.
If you are a Miami business owner currently making daily or weekly payments to a funder and want relief, you likely qualify. Our underwriting team evaluates the following:
We work with every industry across Miami-Dade County. Whether you run a restaurant on Calle Ocho, a logistics company in Doral, an auto body shop in Hialeah, or a retail store in Aventura, buyout terms are based on your bank activity — not your industry classification.
Miami's economy runs on small and mid-size businesses. Over 280,000 businesses operate in Miami-Dade County, and thousands of them carry daily payment obligations that were set up during urgent cash needs. The problem is not the original funding — it is the long-term cost of staying in those terms after the emergency has passed.
Businesses in Wynwood's retail corridor, Brickell's service economy, Doral's warehouse and distribution zone, and Kendall's medical and professional offices all share the same challenge: daily ACH debits that chip away at working capital before payroll, rent, and inventory get covered.
A buyout is not new debt. It is a restructuring of your existing obligation into terms that give your business room to operate. Many Miami business owners reduce their daily payment by 30 to 40 percent through a buyout — and walk away with additional capital to reinvest in growth.
SMB Capital Funding is a DBA of CHC Capital Group. NMLS 1695752. All funding products are subject to underwriting approval. Rates, terms, and availability vary based on business revenue, time in business, and creditworthiness. Funding as fast as same day is available for qualified applicants only and is not guaranteed. Not available in all states. This is not an offer of credit.
Overpaying on daily payments? Get a buyout quote now.
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