MCA debt relieffor Miami businesses.
Miami runs on trade, tourism and building, and each of those keeps a different clock than a daily draft. Here is how stacked advances tend to land on the city’s importers, restaurants, contractors and practices.
Key points
- Anchor Resolve LLC has its office in Miami, and most of the work happens by phone, text, email and e-signature.
- A merchant cash advance drafts daily or weekly, while a Miami importer or subcontractor is often paid weeks or months after the work is done.
- Anchor Resolve does not negotiate with funders, does not hold client funds, and is not a law firm.
- A servicing partner’s negotiation team works with each funder on the client’s behalf, and nothing changes on a position without the owner’s signature.
Why trade businesses feel daily drafts first
Miami is the main commercial doorway between the United States and Latin America and the Caribbean. PortMiami is best known for cruise ships, but its published trade statistics show that much of its cargo moves to and from Latin America and the Caribbean, with fruit and vegetables at the top of its commodity list. The Miami-Dade Beacon Council describes Miami International Airport as the busiest airport in the country for international freight.
That trade creates a particular kind of cash gap. An importer pays a supplier before the container sails. A distributor extends terms to buyers in other countries. A freight forwarder fronts costs for clients who pay later. A merchant cash advance ignores all of it: the draft leaves the account every business day or every week, whether the wire from a buyer abroad arrived or not. When a second advance is taken to cover the hole left by the first, that is how a stack begins, as our guide to MCA stacking explains.
Restaurants and hospitality between seasons
Tourism is one of Miami’s largest industries, and PortMiami is the busiest cruise port in the world. For many restaurants and bars in Brickell, Little Havana or Wynwood, that means strong winter months and a slower stretch in late summer, which also falls in the middle of hurricane season, June 1 through November 30.
Many restaurant advances are sized on winter card volume. If the advance collects as a share of card sales, the draft shrinks when sales do. If it collects a fixed amount by ACH, it does not, and a quiet September or a weekend closed for a storm comes straight out of payroll and the food order. The restaurant MCA guide explains the difference, and the page on the reconciliation clause covers when a contract allows a payment to be trued down to actual sales.
Contractors and medical practices wait to be paid
High-rise construction in Downtown Miami, Edgewater and Brickell has reshaped the skyline, and behind every tower are subcontractors who bill monthly, wait for approval, and see retainage held until the job closes. A daily draft against a draw that arrives every month or two drains the operating account in between. The construction guide covers draws, retainage, and what a funder’s notice to a general contractor can do to a subcontractor’s next bid.
Miami’s Health District, the city’s center for hospitals and medical research, sits within a wide community of private practices. Insurance claims pay weeks after the visit, so a practice can be fully booked and still short of cash the day before a reimbursement batch lands. The medical practice guide walks through that timing problem.
What happens when you call the Miami office
The first conversation is free. You tell us how many advances you hold, what each one drafts and how often, and whether any letters or lien notices have arrived. If you enroll, a servicing partner’s negotiation team works with each funder on your behalf, and you sign every new agreement yourself. Results vary and no outcome is guaranteed.
You can meet at the Miami office by appointment, though most owners handle everything by phone, text, email and e-signature. If you have been served with a lawsuit, speak with a licensed attorney first. For the regional picture and Florida’s disclosure law, see MCA debt relief in South Florida and MCA laws by state.
Common questions
Can I meet in person at the Miami office?
Yes, by appointment. Many Miami owners never need to, because the review, the program documents and each new agreement can all be handled by phone, email and e-signature. The contact page has the full details.
My business imports goods and my buyers pay on terms. Does that matter?
It matters a great deal. The review sets each draft against the days money actually lands in your account, not the date on an invoice, so payment terms with buyers and suppliers abroad are part of the picture from the first call.
I signed an advance in Miami in 2024. Did Florida law require a disclosure?
Florida’s Commercial Financing Disclosure Law requires a covered provider to give a written disclosure for transactions consummated on or after January 1, 2024, with exceptions for larger deals and very small providers. Whether it covered your advance is a question for a licensed attorney.
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Bring your list of advances and your recent bank statements, and we will map where every draft lands against your deposits.
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