Florida business owners we help
Florida has one of the highest small-business densities in the country, concentrated in service and seasonal sectors. Our consulting is typically a fit for Florida owners who:
- Are managing $10,000–$500,000+ in business debt
- Have taken on multiple merchant cash advances (MCAs) or stacked short-term financing
- Are experiencing persistent cash-flow pressure that makes daily or weekly payments hard to sustain
- Are weighing restructuring, settlement, or refinancing and want to understand the tradeoffs first
- Want an independent second opinion before committing to a path
- Are preparing for SBA, conventional, or alternative financing and need a clear plan
Why Florida owners work with us
Flat-fee, never contingency. You pay a defined fee for strategic clarity. We don't earn more if you settle, restructure, or borrow — which means we can tell you honestly when inaction is the right call.
Independent. No lender affiliations, no debt-firm ownership. We sit on the same side of the table as you.
Connected to licensed professionals. Renaissance Capital Advisors is a consulting and referral firm. Where execution requires regulated, licensed work, we connect you with the appropriate licensed professional — an attorney or a registered provider — and help you vet them.
Confidential and fast. We respond to every inquiry within one business day. Your situation stays between us — no sales follow-ups, no email lists.
How a Florida consultation works
Step 1 — Situation review. We review your current debt, cash position, and any offers on the table. Consultations are by phone or video, so owners anywhere in Florida can take part.
Step 2 — Options mapping. We lay out every realistic path — restructuring, settlement, refinancing, or strategic inaction — and explain the tradeoffs of each.
Step 3 — Connection and plan. You leave with a clear picture of your options. Where regulated execution is needed, we connect you with a licensed professional and outline next steps.
What Florida business owners should know about MCA and debt regulation
Florida enacted its Commercial Financing Disclosure Law in 2023, with requirements applying to transactions on or after January 1, 2024. The law requires providers of commercial financing of $500,000 or less — including merchant cash advances and accounts-receivable purchase transactions — to give standardized disclosures to small-business borrowers before the deal closes. It also prohibits brokers from collecting advance fees in exchange for arranging financing, a protection aimed squarely at predatory broker practices.
Florida's framework sits within its broader consumer-protection statutes. General information on the state's business and consumer regulation is available from the Florida Department of Agriculture and Consumer Services, which oversees commercial-financing broker and provider rules.
For neutral, non-state-specific guidance on small-business financing, the U.S. Small Business Administration is a useful starting point. None of this is legal advice — it is context to help you ask sharper questions. For how these rules interact with your specific contracts, our guide to evaluating an MCA stack and a restructuring consultation map it to your situation.
Frequently asked questions
Renaissance Capital Advisors provides strategic consulting and referral services only. We are not licensed attorneys, CPAs, financial advisors, or a debt settlement company. Regulated debt-resolution work is performed by appropriately licensed third parties. Nothing on this page constitutes legal, tax, accounting, or financial advice. Consult a licensed professional before making binding decisions.