Business funding in Fort Lauderdale, from a desk that is actually here.

Aglet Funding is a working-capital desk in Fort Lauderdale, FL. We work with small businesses across Broward County and South Florida — and across the country — on four program structures: working capital and term programs, revenue-based financing, invoice factoring, and a business line of credit. Two minutes and no documents shows you your options. Real underwriters read your real numbers, and qualifying files typically hear back within one business day.

What South Florida businesses use working capital for

Mostly timing. The revenue is real, but it lands after the expenses do. That is the same problem on every working street, and the Federal Reserve’s 2024 Small Business Credit Survey put numbers on it: among employer firms that sought financing, 56% did so to meet operating expenses, and 51% of firms named uneven cash flow as a financial challenge. In South Florida the timing problem has a local shape:

• Season. Hospitality, restaurants, charters, and retail run hot from winter into spring and thin through the summer. Payroll does not thin with them.
• Storm season. Inventory, generators, repairs, and the weeks a job site sits closed all cost money before insurance or customers pay.
• Draws and invoices. Contractors, marine trades, and logistics companies carry payroll and materials between the work and the payment for it.
• The job you just landed. A bigger contract than the cash reserves were built for — the good problem that still needs solving by Friday.

If your revenue swings with the season, a payment that swings with it may fit better than a fixed calendar; see working capital for seasonal businesses. If the cash you are waiting on is sitting in unpaid invoices, invoice factoring may be the cleaner tool.

Four ways to structure it

Every file is different, so the structure should fit the job the money is doing. Working capital and term programs advance general-purpose capital repaid on a schedule spelled out before you sign — typically up to 2X monthly revenue, depending on how the file looks, with terms out to 48 months at the ceiling; most files land 12–24. Revenue-based financing is repaid as a share of what the business actually brings in, heavier in strong months and lighter in slow ones. Invoice factoring turns 30–90 day business-to-business invoices into cash now. A business line of credit is revolving capital you draw as needed, with limits that typically scale with monthly revenue. Rates can start around 1% a month for the strongest files, depending on the file, and every figure on this site is an illustrative range, not an offer.

What Florida law requires a funding provider to show you

Florida passed its own Commercial Financing Disclosure Law, Part XIII of Chapter 559 of the Florida Statutes. It applies to commercial financing transactions consummated on or after January 1, 2024, and it exempts deals over $500,000, banks, and a handful of other cases. For a covered deal, the provider must give you a written disclosure at or before signing that states:

1. the total amount of funds provided under the agreement;
2. the total actually disbursed to you, if fees are taken out first;
3. the total you will pay back;
4. the total dollar cost — the difference between what you get and what you repay;
5. how, how often, and how much you pay, or how a variable payment is calculated; and
6. whether paying early costs anything or earns a discount, with a pointer to the clause that says so.

Use it. Those six lines are the whole deal on one page, and they let you compare two offers on the only number that matters — what the money costs. If someone quotes a rate but cannot show you the total you will repay in writing before you sign, that is your answer about them. We show the full cost in plain terms before you sign anything, and we say plainly when a bank is the better path. The guide on reading a factor rate walks through the math.

Local resources worth knowing about

Some of the best money in Broward is not ours. The Greater Fort Lauderdale Alliance keeps a business-assistance page that lists free mentoring through Broward SCORE and the Small Business Development Center, incubators at Broward College and Nova Southeastern, and public financing including a regional revolving loan fund that the Alliance describes as providing $50,000 to $300,000 for businesses expanding or relocating in the region. Broward County’s Office of Economic and Small Business Development runs the county’s own small-business programs. Public money is slower and more paperwork, and it is usually cheaper. If one of those programs fits your file and can fund in time, take it. The programs on this site are for the file that cannot wait for that, or that the bank turned down.

Where the desk fits

We’re not the cheapest desk. Files that fit usually leave with a longer term and one payment instead of three — and you’ll know exactly what it costs before you sign anything. Speed and flexibility typically price above a bank line; if your bank can fund the file in time, take it. Aglet Funding is a DBA of Lendera Capital LLC, based in Fort Lauderdale, FL. Programs are available to businesses across the United States, and availability can vary by state and by file. Sensitive steps — bank statements, ownership details — happen only on the secure application or by phone, never by text or email. How it works walks through the three steps; the quick assessment shows what files of your shape typically reach.

Sources

1. Florida Statutes §559.9613, Florida Commercial Financing Disclosure Law — Disclosures — the six items a provider must disclose at or before consummation
2. Florida Statutes §559.9612 — Scope of this part — applies to transactions consummated on or after January 1, 2024; transactions over $500,000 are exempt
3. Federal Reserve Banks, 2025 Report on Employer Firms: Findings from the 2024 Small Business Credit Survey — why firms seek financing and the share reporting uneven cash flow
4. Greater Fort Lauderdale Alliance — Business Assistance — local mentoring and public financing resources
5. Broward County Office of Economic and Small Business Development — the county office for small-business programs