John was juggling four credit cards with four due dates and interest rates north of 25%. With a 740 credit score and steady W-2 income, he qualified for a personal term loan, paid off every card, and now makes one fixed monthly payment.
4 debts consolidated into 1 payment
MR
Mary R.Restaurant owner · Little Havana, FL
Business funding
A slow month and a late catering payment left Mary short two days before payroll. Her restaurant had steady monthly sales, so she qualified for business funding in a single day, paid her team on time, and never missed a service.
Payroll covered on time, next business day
CM
Carlos M.Landscaping contractor · Doral, FL
Business funding
Carlos landed a big HOA contract but needed a second truck and crew equipment to take it on. With two years of consistent revenue, he secured working capital within days and started the job on schedule.
New contract started on schedule
Illustrative examples. Names, details, and outcomes are hypothetical and shown for demonstration only. Approval, amounts, and terms depend on each applicant's qualifications and the lender.
Be ready in minutes
Here's what helps you get funded faster.
No need to gather everything today. Just fill out the form and your specialist will tell you exactly what's needed. Having these handy speeds things up.
Personal: credit score of 700+Not sure of your score? Give us your best estimate.
Personal: proof of incomeRecent pay stubs, W-2s, 1099s, tax returns, or bank statements.
Business: recent bank statementsUsually the last 3–4 months, showing consistent deposits.
Business: basic business infoLegal name, time in business, and a valid ID for the owner.
Questions
Straight answers. Fast.
How fast can I actually get funded?
Business funding can arrive the same or next business day once you're approved. Personal term loans typically fund within about a week. Your specialist will give you a realistic timeline on your first call.
Does it cost anything to apply?
No. Submitting a request through Miami Fast Loans is free and there's no obligation to accept any offer.
What credit score do I need?
For personal term loans, lenders are generally looking for a score of 700 or higher plus verifiable income. For business funding, the focus is on your business's consistent revenue, so your credit doesn't need to be perfect.
Are you the lender?
No. Miami Fast Loans is not a lender. We connect you with independent lending partners who make all credit decisions and set the rates, terms, and fees for any offer.
What happens after I submit the form?
Your request goes straight to a funding specialist, who will call you, usually within one business day, to review your options and next steps.
¿Hablan español?
¡Sí! Selecciona "Español" en el formulario y un especialista te llamará en español.
Stop waiting. Start moving.
Two minutes today could mean funding this week. See what you may qualify for, free and with no obligation.