Private Credit & Business Lending in Miami, FL
Miami is the gateway between the U.S. and Latin America — and one of the most active CRE and hospitality markets in the country. Tzortzis Capital structures private credit, ESOP, real estate, and merchant processing solutions for South Florida owners across Miami-Dade, Broward, and Palm Beach.
Tzortzis Capital arranges capital placements for Miami businesses, including working capital, lines of credit, equipment loans and business acquisition capital. Programs have different eligibility and diligence requirements; location alone does not determine terms or closing speed.
Get funded in Miami
Tell us what you need, your timeline, and the context behind your transaction.
- A review of your business and capital needs
- Placement options aligned with your transaction
- A clear conversation about the next steps
Opens a short inquiry form · No obligation
Match the capital structure to the business need.
Tzortzis Capital evaluates and arranges capital placements. Independent capital providers determine eligibility, pricing, documentation and closing timing. Published ranges are indicative, not approvals or commitments.
The Miami Market in 2026
Miami's mid-market is dominated by real estate, hospitality, trade and logistics, and Latin America–facing service businesses. Capital flows in continuously — but bank capacity for operating credits, equipment lines, and bridge debt has not kept up with deal velocity.
South Florida CRE is repricing aggressively. Hospitality, multifamily, mixed-use, and retail owners with sound rent rolls are getting non-renewed by their banks for portfolio reasons. Bridge and structured private credit are absorbing the demand.
We focus on what South Florida banks aren't moving on at speed: hospitality acquisition financing, CRE bridge-to-perm, trade-finance lines, ABL for distributors, and ESOP transitions. Most engagements close in one to two weeks.
Why Miami Businesses Are Getting Turned Down by Banks
South Florida's hospitality, multifamily, and auto economies require capital velocity that regional banks no longer reliably deliver. Sponsor and operator demand has kept rising even as bank CRE and middle-market appetite contracted.
Industries We Specialize In Around Miami
Dedicated capital solutions for the sectors where Miami operators most consistently outgrow bank capacity.
Real Estate Investor in Miami
South Florida multifamily, hospitality, and mixed-use sponsors face bridge-capital needs banks have visibly pulled back from.
View real-estate detailsRestaurant & Franchise in Miami
Miami multi-unit hospitality and franchise operators routinely outgrow SBA capacity and need platform-level capital.
View restaurants detailsAuto Dealer & Aftermarket in Miami
South Florida independent and franchise auto operators routinely need working capital and acquisition capital that complements their floor plan.
View auto detailsRecent Capital Activity in Miami
Recent South Florida engagements include a multifamily acquisition bridge, a multi-unit hospitality development line, and an auto-platform acquisition. Standard close: 2–3 weeks.
Capital Solutions We Provide in Miami
Private Credit
Term loans, lines of credit, business bridge and equipment loan placement.
Learn MoreESOP & Succession
Tax-advantaged ownership transitions for closely-held businesses.
Learn MoreCommercial Real Estate
Acquisition, construction, and bridge financing.
Learn MoreMerchant Processing
Payment processing, pricing review and statement audits.
Learn MoreFunding Solutions in Miami
Deep-dives into the four capital structures Miami operators use most — sizing, use cases, and typical close timing for each.
Working Capital in Miami
AR- and cash-flow-based facilities for Miami operators bridging pay cycles, payroll, and growth spend.
See working capital detailsEquipment Financing in Miami
Ownership loans for new and used equipment for Miami businesses.
See equipment financing detailsBridge Loans in Miami
Fast-close bridge capital for Miami acquisitions, recaps, and value-add executions.
See bridge loans detailsLines of Credit in Miami
Revolving lines of credit for Miami operators — AR-based borrowing bases, no bank template.
See lines of credit detailsIndustries We Serve in Miami
- Industry-agnostic — we evaluate opportunities across all sectors
- Hospitality & multi-unit operators
- Commercial real estate
- Trade finance & logistics
- Healthcare practices & rollups
- Construction & specialty trades
What to Expect
A clear path from first call to funded.
Intake & Fit Call
30-minute call to understand the business, the use of capital, and the timeline.
Term Sheet
Within days of receiving financials, we bring back a written term sheet with structure, pricing, and conditions.
Diligence & Documentation
Streamlined diligence in parallel with legal documentation. We coordinate directly with your accountant and counsel.
Close & Fund
Independent capital providers complete their review and documentation. Timing depends on the product and remaining conditions.
Also Serving the Greater Florida Region
In-person diligence and meetings available across these submarkets.
Frequently Asked Questions
Other Markets We Serve
Nearby metros where Miami clients often have operations or assets.
Talk to a Miami Capital Advisor
Tell us about your business and what you're trying to accomplish. We'll respond within 24-48 hours.
Explore your capital options
Tell us what you need, your timeline, and the context behind your transaction.
- A review of your business and capital needs
- Placement options aligned with your transaction
- A clear conversation about the next steps
Opens a short inquiry form · No obligation