Florida Business Cash Advance
– Business Loans In Florida – MCA Merchant Cash Advance In Florida – Bad Credit Merchant Cash Advance
Yes, we offer Business Cash Advances in Florida, providing upfront working capital in exchange for a fixed amount of future Florida business receivables. Payments are typically made by daily or weekly ACH from the business bank account. A Business cash advance (MCA) in Florida is legally classified as a purchase and sale of future receivables rather than a traditional commercial loan. We have bad credit MCA Florida mortgage lenders who make loans regardless of credit, as long as you can show the ability and willingness to repay. Call Thomas Martin now for more information at 954-667-9110
Business Cash Advance Florida Video
What Do I Need for a Merchant Cash Advance in Florida?
To apply for a merchant cash advance, you need to meet the following:
- Monthly credit card sales of at least $10,000.
- Three months of bank statements or merchant processor statements.
- A minimum FICO score of 500.
- At least six months in business.
- Be at least 18 years old and a US citizen or resident.
Florida Business Owners Can Leverage Your Future Credit Card Sales to Get the Advance Funding Today
We know your Florida business is much more than just a credit score. That’s why we assess your advance funding needs based on your Florida business revenue and credit card sales. The lump sum offer is based on the volume of credit card payments your Florida business processes each month. This ensures you receive the right amount of capital to move your Florida business forward!
Florida Business Cash Advance
• Must show ability to repay with 3-12 months of most recent bank statements.
• At least 2 years in business with an established operating history.
• $50,000+ in annual revenue; strongest target profiles typically generate $600,000-$3 million.
• Recurring cash flow and profitability with clean, well-managed business bank activity.
• No bankruptcy within 7 years, plus a clear business model, website, and detailed use of proceeds.
Business Cash Advance – Minimum Requirements:
- Active business bank account used for Florida business deposits and payments.
- Consistent monthly business deposits, generally beginning with a minimum of $100,000-$5MM
- At least 4-6 months in business; longer operating history can improve options.
- Bad credit Business advance options down to 500 + Credit/ FICO Scores
- Most industries considered; restrictions and funder guidelines apply.
Florida Business Cash Advance Tailored to Your Business.
- Your Trusted Path to Business Funding 500+ Lending Partners 24-Hour Decisions 4.9/5 Customer Rating
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No-obligation consultation
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Compare multiple lender offers
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Flexible terms from 3-60 months
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Funding as fast as 24 hours
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No impact on credit score
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Dedicated funding specialist
Apply Here https://lendtrack.ai/site/thomas-martin-expert-loane
MCA Business Cash Advance Is Not A Loan:
Not a Loan: Because an MCA (Business cash advance) is structured as a sale of future revenue, it is generally exempt from Florida’s interest rate caps.
Effective Rates: Funder factor rates can translate to annual percentage rates (APRs) exceeding 100%+.
Reconciliation Clause: A true MCA must contain a functioning reconciliation provision. If revenue drops, the daily or weekly debits should decrease. If repayments are absolute and fixed regardless of actual sales, courts may recharacterize the advance as a disguised loan subject to usury limits.
Here’s a clear breakdown of which business types actually fit MCA in 2026 — organized by fit level, since that’s more useful for your targeting than a flat list.
Business Cash Advance Florida High-Fit Industries Include:
- Grocery Stores MCA Business Cash Advance
Consistent daily transaction volume; strong repayment performance cited alongside restaurants and auto repair. - Construction & Trade Businesses MCA Business Cash Advance
Fast access to capital for materials/labor is a genuine, recurring need — bid-driven cash timing gaps are a classic MCA use case (“secure funds for materials overnight to win a bid”). - Hospitality MCA Business Cash Advance
For hotels and event venues, seasonal cash flow management is the primary driver. - Medical/Dental Practices MCA Business Cash Advance
Used for staffing, equipment, and emergencies — predictable billing cycles generally mean better pricing than the higher-risk categories above, since revenue volatility is lower. - Professional Services MCA Business Cash Advance: Increasing use of MCA for payroll and seasonal cost management — a newer, growing segment as of 2026, though revenue timing (invoice-based, not daily card transactions) makes this a less natural structural fit than the retail/restaurant categories.
- Pharmacies, Convenience Stores MCA Business Cash Advance: Regular transaction volume, frequent working-capital needs.
- B2B Service Businesses MCA Business Cash Advance: Revenue arrives monthly/quarterly via invoice or wire, not daily card transactions — Florida MCA’s entire repayment mechanism doesn’t map onto this revenue pattern well. Limited/no genuine MCA product fits here.
- SaaS Companies Florida MCA Business Cash Advance: Recurring subscription revenue collected via ACH, not card processing — revenue-based financing (a related but distinct product) is the better-suited alternative for this segment, not traditional MCA.
- Businesses Under 3 Months Old: Florida MCA Business Cash Advance: MCAs generally aren’t available at all — there’s no receivables history yet to purchase against.
- Restaurants & Food Service MCA Business Cash Advance: Florida restaurants are the single most consistent Florida MCA user category — high daily credit card volume makes qualification straightforward, and the business itself is prone to exactly the sudden-cash-need scenarios MCA solves (equipment breakdown, holiday rush inventory, payroll during a slow week). Caveat worth flagging: thin margins mean holdback sizing needs to stay conservative — this is a high-volume, higher-default-risk segment.
- Retail Seasonal Florida Stores MCA Business Cash Advance: Strong fit for stocking inventory ahead of holidays or local events — consistent card volume, but seasonal swings make a fixed-ACH structure risky during slow months; a true percentage-holdback structure is the safer fit for this segment specifically (and, as we discussed, the more legally defensible one too).
- E-Commerce / DTC Brands MCA Business Cash Advance: High fit, especially through platform MCAs (Shopify Capital, Stripe Capital) — independent MCA providers may apply higher holdbacks due to return-rate risk, since e-commerce revenue can be more volatile than in-person retail.
- Auto Repair Shops MCA Business Cash Advance: Consistently strong repayment performance — regular customer payment activity, frequent need for equipment upgrades and part replacements.
- Salons / Personal Care MCA Business Cash Advance: With steady card transaction volume, strong repayment track record.
Bad Credit Florida Business Cash Advance Situations Include:
| Divorce Buyout | ||||
| Refinance Probate | Balloon Refinance | |||
| Refinance Probate | ||||
| Partial Construction | ||||
| Garnishment | Reverse Mortgage | |||
| Student Loan Default | cash+out |
What Drives the Fit, Structurally
| Factor | Why It Matters |
|---|---|
| High daily card transaction volume | This is literally what MCA repayment is built to collect against |
| Seasonal or unpredictable cash flow | MCA’s flexible, sales-tied repayment matches revenue swings better than a fixed loan payment |
| Urgent/time-sensitive capital need | Speed (24-48 hour funding) is MCA’s core value proposition vs. banks |
| Thin credit profile or short operating history | MCA underwrites on transaction history, not credit score or years in business |
| Card-based, not invoice-based revenue | The whole repayment mechanism depends on this |
Florida MCA Pricing Variation by Segment (Relevant to Approval)
Restaurants, retail, construction, and hospitality — despite being frequent users — often fall into the 1.25-1.45 MCA Business cash advance factor rate range due to volatility/seasonality risk, while steadier-revenue Florida businesses (medical practices, subscription services) tend to be closer to 1.20-1.35.
Bottom line for targeting: your strongest lead-gen focus should be restaurants, retail (especially seasonal), auto repair, salons, and construction — high card-transaction volume, genuine urgent-capital-need patterns, and proven repayment performance. Medical/dental is a solid secondary target with better risk-adjusted pricing. Avoid B2B services and SaaS entirely — the product structurally doesn’t fit their revenue pattern, and you’d be fighting the underlying mechanics rather than working with them.
How MCA Works In Florida Mechanically
1. We are not lending money — legally, our network is buying your future receivables
This distinction is the entire foundation of the product: instead of charging interest, our advance buyers pay you cash today in exchange for a percentage of your future credit card/debit sales or bank deposits, collected via automatic daily or weekly debits.
2. Pricing uses a factor rate, not an interest rate: A $50,000 MCA Business cash advance at a 1.2 factor rate requires $60,000 total repayment — that $10,000 spread is your gross margin, collected over the term (typically 3-24 months).
3. Repayment structure has two variants
- Fixed daily/weekly ACH withdrawal — a set dollar amount debited regardless of the business’s actual sales that day
- True percentage holdback — a genuine percentage of actual card processing revenue, which fluctuates with the business’s real sales volume
This distinction matters enormously in legal terms — it’s the crux of whether a court treats your deal as a genuine purchase or recharacterizes it as a disguised loan.
Why is the “Purchase is Not a Loan”?
A MCA Business cash advance is legally a purchase and sale of future receivables, not a loan, it falls outside Florida’s high interest caps (Chapter 687) — this is the exact regulatory-avoidance structuring pattern we’ve discussed throughout this conversation with equitable mortgages, disguised loans, and option agreements. It’s legal, but it only holds up if the substance genuinely matches the form.
Florida courts actively recharacterize MCAs as loans when the deal functions like one. Courts specifically examine:
- Were payments fixed regardless of actual revenue? (points toward “loan”)
- Did a real reconciliation mechanism exist — a genuine, working process that let the Business request payment adjustments when revenue dropped? (its absence points toward “loan”)
- Did a personal guarantee eliminate the funder’s actual risk? (a true purchase carries real risk if the business fails; a personal guarantee that removes that risk looks like a loan’s credit-risk allocation, not a purchase’s)
If recharacterized as a loan and the effective APR exceeds 25%, Florida’s criminal usury statute (§ 687.071) applies, and the agreement may be void. This is a genuinely serious exposure — not a civil fine like § 501.1377, but a void contract and potential criminal usury implications.
The Florida Compliance Framework
Florida Commercial Financing Disclosure Law — § 559.9613, part of Fla. Stat. §§ 559.952-559.964
- Effective: July 1, 2023 (law enacted), mandatory January 1, 2024
- Applies to: commercial financing transactions $500,000 or less (closed-end loans, open-end credit, sales-based financing/MCA, factoring, lease financing)
- Required disclosures before signing: total amount financed, finance charge, total repayment amount, APR (or estimated APR for MCA specifically), broker compensation (disclosed separately), collateral description
- No advance fees allowed — brokers are explicitly prohibited from collecting fees upfront
- Registration: providers must register with the Florida Office of Financial Regulation (OFR) — verify any provider’s registration status there before dealing with them
- Banks are exempt from this law entirely
What Florida does NOT require with Business Cash Advance Loans (yet):
- No MCA Florida licensing required for funders or brokers, unlike Texas (mandatory OCCC registration by Dec 31, 2026) or Connecticut/South Carolina (licensing requirements)
- A CFDL disclosure violation alone doesn’t void the agreement — Florida court decisions suggest violating the disclosure law creates civil fine exposure but doesn’t independently invalidate the underlying MCA contract, which is a meaningfully lighter consequence than the recharacterization-as-loan risk above
Penalty Comparison Across Florida
Disclosure-law penalties range from $500/violation in California to $100,000/violation in Connecticut — Florida’s specific penalty structure wasn’t detailed in what I found, but given the multi-state pattern, expect it to fall within FDUTPA’s general civil penalty framework rather than Connecticut’s outlier-high figure.
The Real Bottom Line on MCA Risk vs. Your Other Florida Products
| Risk Type | § 501.1377 Leaseback | MCA |
|---|---|---|
| Governing framework | Single, detailed statute with clear checklist | CFDL disclosure + common-law recharacterization risk |
| Worst-case exposure | $15K/violation, civil | Void contract + potential criminal usury (§687.071) if recharacterized |
| Licensing | Fits your existing MLO framework loosely | No FL license required, but separate registration (OFR) |
| Litigation trend | Established, stable | Actively shifting — 2026 sources note courts applying “stricter scrutiny” and recharacterization succeeding “at a rate unthinkable two years ago” |
That last point is worth sitting with: multiple 2026 sources independently describe Florida courts becoming more aggressive about recharacterizing MCAs as loans right now, in real time. That’s a moving target in a way your leaseback compliance work isn’t — the statute for that is settled; MCAs’ legal foundation is actively being tested and narrowed by ongoing litigation.
Bottom line: MCA is legal, high-volume, and high-margin in Florida, governed by CFDL disclosure requirements (OFR registration, itemized cost disclosure, no advance fees) rather than licensing — but it carries a genuinely different, more unsettled kind of legal risk than your other products: courts are actively getting more willing to recharacterize poorly structured MCAs as usurious loans right now, which is a live, worsening trend rather than a stable compliance target. If you pursue this, the deal structure itself (a true percentage-based holdback with a real reconciliation mechanism, and no personal guarantee to eliminate your risk) matters as much as the disclosure paperwork.
Florida MCA Business Commercial Financing Disclosure Law
- Written Disclosures: Under Florida Statutes §§ 559.961 through 559.9615, commercial Florida MCA Business cash advance providers must give business owners clear, written disclosures before an MCA funding is finalized.
- Required Metrics: Buyers must state the total amount repaid, the total cost of financing in plain dollar amounts, and the exact payment schedule.
- Compliance Leverage: Failing to provide these mandatory Florida MCA disclosure requirements prior to signing gives Business s a legal basis to challenge or restructure the contract
Florida MCA Buyer Required Disclosure Elements
- Total MCA Amount Financed: The requested funds or disbursement amount provided to the Florida business.
- Total MCA Repayment: The exact aggregate amount scheduled for repayment.
- Total MCA Dollar Cost: The total cost of financing, broken down into plain figures.
- Payment MCA Schedule: Frequency, exact amounts, and calculation method for variable remittances.
- Prepayment MCA Terms: Any additional costs, discounts, or penalties associated with early settlement.
- Broker MCA Compensation: Written disclosure of intermediary broker earnings and referral payments.
MCA Business Cash Advance Florida Questions And Answers:
1. What is a Florida Business cash advance (MCA)? A purchase of a business’s future receivables at a discount, in exchange for upfront cash — legally structured as a sale, not a loan.
2. How is a Florida MCA different from a business loan?
Loans charge interest and require personal/business credit underwriting; MCAs use a fixed factor rate and are repaid via a percentage of daily/weekly sales, not fixed monthly payments.
3. What is a factor rate? A multiplier (e.g., 1.2-1.5) applied to the advance amount to determine total repayment — a $50,000 advance at 1.2 = $60,000 owed.
4. How is an MCA repaid? Either a fixed daily/weekly ACH debit, or a true percentage holdback of actual credit card/debit sales.
5. What’s the difference between fixed withdrawal and percentage holdback?
Fixed withdrawal debits the same dollar amount regardless of sales; percentage holdback fluctuates with actual revenue — this distinction matters enormously for legal recharacterization risk, as we discussed.
6. What’s the typical MCA term length? 3-24 months, depending on the funder and deal size.
7. Is an MCA the same as factoring? No — factoring involves selling specific invoices/receivables you already have; MCA is against future, not-yet-earned revenue.
8. What credit score is needed For a Business Cash Advance?
Most independent providers accept 500-550; platform-based MCAs (Shopify Capital, Stripe Capital, Square Capital, PayPal Working Capital) run no credit check at all, underwriting purely on transaction history.
9. How long does a business need to be operating to qualify? Most funders prefer 6+ months minimum; 2+ years typically unlocks better pricing.
10. What revenue level is needed? Varies by funder, but consistency matters more than the raw number — a steady $40,000/month prices better than a volatile $12,000-$80,000 swing.
11. Does industry affect pricing? Yes — restaurants, retail, and seasonal businesses often see higher factor rates than industries with predictable billing (e.g., healthcare practices).
12. How fast can funding happen? Same-day to next-day is common, especially for platform-based MCAs; independent funders may take a few days.
13. Is collateral required for an MCA Business cash advance in Florida? No traditional collateral, but nearly all funders file a UCC-1 blanket lien on business assets and receivables as security.
14. Is a personal guarantee required for a Business cash advance in Florida? Often yes, especially from independent (non-platform) funders — and as we discussed, this can actually work against the funder legally, since it’s one of the factors courts weigh when considering recharacterization as a loan.
15. What’s a “typical” factor rate? Commonly 1.1-1.5, varying by risk profile.
16. Are there additional fees beyond the factor rate for a Business cash advance in Florida?
Yes — underwriting, administration, setup, or service fees are common add-ons.
17. Is there a prepayment discount? Some MCA companies offer one if the Business repays early.
18. Is the MCA fee tax-deductible? Generally yes — the fee portion (total repayment minus advance) is typically deductible as a business expense, though some accountants classify it as “cost of financing” rather than “interest expense” since it’s not legally a loan. (Consult a tax professional for specifics.)
19. Can I get additional funding before paying off the current advance? Some MCA companies offer additional funds once a portion of the original is repaid (“renewal” or “top-up”).
20. What is “stacking”? Taking multiple MCAs simultaneously — a major red flag for funders (it dramatically increases repayment pressure and default risk) and a serious risk for Business s (compounding daily/weekly debits from multiple sources can crush cash flow).
21. Is an MCA a loan under Florida law? No, by default — it’s structured as a purchase of receivables, exempt from Chapter 687 usury caps, as long as the transaction genuinely functions as a purchase, not a disguised loan.
22. Can a Florida court recharacterize an MCA as a loan? Yes — courts examine whether payments were fixed regardless of revenue, whether a genuine reconciliation mechanism existed, and whether a personal guarantee eliminated the funder’s real risk.
23. What happens if an MCA is recharacterized as a loan? If the effective APR exceeds 25%, Florida’s criminal usury statute (§ 687.071) applies, and the agreement may be void.
24. Does Florida require MCA providers to be licensed? No licensing requirement currently (unlike Texas, which requires OCCC registration by Dec 31, 2026), but Florida’s Commercial Financing Disclosure Law (§ 559.9613) requires registration with the Florida OFR.
25. What must be disclosed to the Business under Florida law? Total amount financed, finance charge, total repayment amount, APR (or estimated APR for MCA), broker compensation (disclosed separately), and collateral description.
26. Does the disclosure law apply to all MCA deal sizes? No — it applies to transactions $500,000 or less.
27. Can brokers charge advance/upfront fees in Florida? No — explicitly prohibited under the disclosure law.
28. What happens if a funder violates Florida’s disclosure law? Civil fines are possible, but Florida court decisions suggest that a disclosure violation alone doesn’t void the underlying MCA agreement (a lighter consequence than the risk of recharacterization).
29. Are banks subject to these disclosure requirements? No — banks are exempt under Florida’s law (and every other state’s version).
30. Can FDUTPA apply to MCA disputes even without a specific MCA statute? Yes — Florida’s Deceptive and Unfair Trade Practices Act has been used in litigation against MCA providers for misleading representations, independent of the disclosure law.
31. What triggers default on an MCA? Unlike a loan, default is typically treated as a breach event — missed remittance, diversion of receivables, or violating operating terms can trigger it, not just a late payment.
32. What’s the typical MCA default rate? Estimates range 8.5%-18%, varying significantly by underwriting standards, Business segment, and servicing quality.
33. What happens immediately upon default? Funders may freeze the business bank account via ACH authorization, begin enforcing the UCC-1 lien, pursue legal action, or (in permitted states) enforce a confession of judgment.
34. What is a 9-406 notification? Under UCC Article 9, the funder can notify the Business ‘s customers directly to redirect payments to the funder instead — this doesn’t require a judgment, making it a uniquely fast, aggressive collection tool.
35. Can my bank account really be frozen without a court order? Yes, in many cases — via ACH authorization already built into the MCA agreement, not requiring separate court action first.
36. What percentage of a defaulted balance typically gets settled? Post-default settlements often resolve for roughly 30%-60% of the claimed balance.
37. How long is an MCA judgment valid (e.g., in New York)? 20 years, matching Florida’s own judgment validity period we discussed earlier in this conversation.
38. Can a Business appeal a lost MCA lawsuit? Yes — through the standard appellate court process.
39. Does an active MCA blanket lien affect future financing? Significantly — SBA lenders routinely run UCC searches, and an active MCA lien is one of the most common reasons SBA loan applications get denied.
40. If I pay off my MCA, does the lien automatically get removed? Not automatically — but the Business generally has the right to request UCC lien removal once the obligation is satisfied.
41. What early warning signs indicate a Business may default? New UCC filings (signaling additional financing/stacking), revenue declines vs. historical average, partial or delayed payments, and unusual account activity.
42. What infrastructure does launching an MCA program require? Underwriting capability, servicing infrastructure, repayment management systems, compliance controls, reporting tools, and portfolio monitoring.
43. How do I detect stacking before it causes default? Continuous monitoring of UCC filings, cash flow patterns, new financing activity, and deposit trends.
44. What must brokers disclose about their compensation in Florida? Written disclosure of who’s paying them and how, for the specific transaction — separate from the general cost disclosures owed to the Business .
45. Is broker compensation regulated the same way as funder disclosures? Broker compensation must be disclosed separately from the total cost figures under Florida’s law.
(MCA) Business Cash Advance Florida Loan For These Industries Include:
| Accountant Acute Care Facility Aerospace Assisted Living Facility Alternative Energy Production Architect Architectural Services Auditory Center Automotive Parts Store Automotive Repair Automotive Services Bakery / Catering Bar/Tavern Barber Shop Beauty Salon Bed & Breakfast Bicycle Shop Book Store Bottling & Distribution Bowling Alley Brewery Cafe in Fitness Center Cancer Radiology Center Cancer Radiology Center Cancer Treatment Facility Candy Store Car Wash Caterer |
Cheese Store Chemical & Related Manufacturing Chiropractor Cigar Store Clinic Coffee Shop Coin-Operated Laundries Commercial Inspection Services Communication Company Computer Software Cosmetic /Plastic Surgery Defense Contractor Defense Electronics Dentist Diagnostic Imaging Center Diners Distillery Doctor Drug Manufacturing Dry Cleaner E-Commerce Electrical Contractors Electronic Store Electronics Manufacturing Engineer Endodontist Florist Food Gift Basket Store Food Manufacturing Food Processing & Sales |
Funeral Homes Gift Store Gourmet Food Store Gourmet Popcorn Store Grocery Store Ham Store Hardware Store Healthcare Professional Home Healthcare Hospital Hotel HVAC Contractors Ice Cream/Yoghurt Store IT Services Legal Services Liquor Store Legal Services Liquor Store Locksmith & Security Mail & Package Store Mall Food Outlet Manufacturing Meat Processing & Products Medical Equipment Medical Services Medical Spa Medical Supplies Motel Nail Salon Nightclub |
Nursing Home Nutritional & Dietary Supplies Optical/Vision Store Orthodontist Periodontist Pet Store Pharmaceuticals & Health Products Pharmacy Photo Studio Physical Rehabilitation Plumbing Companies Pre-Packaged Meals Printing & Publishing Professional Sports Equipment Quick Copy/Printing Radio Station/Services Restaurant Retail Store- Other Smoothie Shop Spa Sporting Goods Store Steel Fabricator Steel Production Telecom Services & Equipment Trash Collection & Waste Management Urgent Care Facility Veterinarian Wholesale Winery |
Florida MCA Business Cash Advance Coverage Areas:
| Alachua | Alachua County |
| Alford | Jackson County |
| Altamonte Springs | Seminole County |
| Altha | Calhoun County |
| Anna Maria | Manatee County |
| Apalachicola | Frankin County |
| Apopka | Orange County |
| Arcadia | DeSoto County |
| Archer | Alachua County |
| Astatula | Lake County |
| Atlantic Beach | Duval County |
| Atlantis | Palm Beach County |
| Auburndale | Polk County |
| Aventura | Miami-Dade County |
| Avon Park | Highlands County |
| Bal Harbor | Miami-Dade County |
| Baldwin | Duval County |
| Bartow | Polk County |
| Bascom | Jackson County |
| Bay Harbor Islands | Miami-Dade County |
| Bay Lake | Orange County |
| Bell | Gilchrist County |
| Belle Glade | Palm Beach County |
| Belle Isle | Orange County |
| Belleair | Pinellas County |
| Belleair Beach | Pinellas County |
| Belleair Bluffs | Pinellas County |
| Belleair Shore | Pinellas County |
| Belleview | Marion County |
| Beverly Beach | Flagler County |
| Biscayne Park | Miami-Dade County |
| Blountstown | Calhoun County |
| Boca Raton | Palm Beach County |
| Bonifay | Holmes County |
| Bonita Springs | Lee County |
| Bowling Green | Hardee County |
| Boynton Beach | Palm Beach County |
| Bradenton Beach | Manatee County |
| Bradenton | Manatee County |
| Branford | Suwannee County |
| Briny Breezes | Palm Beach County |
| Bristol | Liberty County |
| Bronson | Levy County |
| Brooker | Bradford County |
| Brooksville | Hernando County |
| Bunnell | Flagler County |
| Bushnell | Sumter County |
| Callahan | Nassau County |
| Callaway | Bay County |
| Cambelton | Jackson County |
| Cape Canaveral | Brevard County |
| Cape Coral | Lee County |
| Carrabelle | Frankin County |
| Caryville | Washington County |
| Casselberry | Seminole County |
| Cedar Grove | Bay County |
| Cedar Key | Levy County |
| Center Hill | Sumter County |
| Century | Escambia County |
| Chattahoochee | Gadsden County |
| Chiefland | Levy County |
| Chipley | Washington County |
| Cinco Bayou | Okaloosa County |
| Clearwater | Pinellas County |
| Clermont | Lake County |
| Clewiston | Hendry County |
| Cloud Lake | Palm Beach County |
| Cocoa | Brevard County |
| Cocoa Beach | Brevard County |
| Coconut Creek | Broward County |
| Coleman | Sumter County |
| Cooper City | Broward County |
| Coral Gables | Miami-Dade County |
| Coral Springs | Broward County |
| Cottondale | Jackson County |
| Crawfordville | Wakulla County |
| Crescent City | Putnam County |
| Crestview | Okaloosa County |
| Cross City | Dixie County |
| Crystal River | Citrus County |
| Dade City | Pasco County |
| Dania Beach | Broward County |
| Davenport | Polk County |
| Davie | Broward County |
| Daytona Beach | Volusia County |
| Daytona Beach Shores | Volusia County |
| DeBary | Volusia County |
| Deerfield Beach | Broward County |
| DeFuniak Springs | Walton County |
| DeLand | Volusia County |
| Delray Beach | Palm Beach County |
| Deltona | Volusia County |
| Destin | Okaloosa County |
| Doral | Miami-Dade County |
| Dundee | Polk County |
| Dunedin | Pinellas County |
| Dunnellon | Marion County |
| Eagle Lake | Polk County |
| Eatonville | Orange County |
| Ebro | Washington County |
| Edgewater | Volusia County |
| Edgewood | Orange County |
| El Portal | Miami-Dade County |
| Esto | Holmes County |
| Eustis | Lake County |
| Everglades City | Collier County |
| Fanning Springs* | Gilchrist County |
| Fanning Springs* | Levy County |
| Fellsmere | Indian River County |
| Fernandina Beach | Nassau County |
| Flagler Beach | Flagler County |
| Florida City | Miami-Dade County |
| Fort Lauderdale | Broward County |
| Fort Meade | Polk County |
| Fort Myers Beach | Lee County |
| Fort Myers | Lee County |
| Fort Pierce | St. Lucie County |
| Fort Walton Beach | Okaloosa County |
| Fort White | Columbia County |
| Freeport | Walton County |
| Frostproof | Polk County |
| Fruitland Park | Lake County |
| Gainesville | Alachua County |
| Glen Ridge | Palm Beach County |
| Glen Saint Mary | Baker County |
| Golden Beach | Miami-Dade County |
| Golf | Palm Beach County |
| Golfview | Palm Beach County |
| Graceville | Jackson County |
| Grand Ridge | Jackson County |
| Green Cove Springs | Clay County |
| Greenacres | Palm Beach County |
| Greensboro | Gadsden County |
| Greenvilee | Madison County |
| Greenwood | Jackson County |
| Gretna | Gadsden County |
| Groveland | Lake County |
| Gulf Breeze | Santa Rosa County |
| Gulf Stream | Palm Beach County |
| Gulfport | Pinellas County |
| Haines City | Polk County |
| Hallandale | Broward County |
| Hampton Beach | Bradford County |
| Hastings | St. Johns County |
| Havana | Gadsden County |
| Haverhill | Palm Beach County |
| Hawthorne | Alachua County |
| Hialeah | Miami-Dade County |
| Hialeah Gardens | Miami-Dade County |
| High Springs | Alachua County |
| Highland Beach | Palm Beach County |
| Highland Park | Polk County |
| Hillcrest Heights | Polk County |
| Hilliard | Nassau County |
| Hillsboro Beach | Broward County |
| Holly Hill | Volusia County |
| Florida | Broward County |
| Holmes Beach | Manatee County |
| Homestead | Miami-Dade County |
| Horseshoe Beach | Dixie County |
| Howey-in-the-Hills | Lake County |
| Hupoluxo | Palm Beach County |
| Indialantic | Brevard County |
| Indian Creek | Miami-Dade County |
| Indian Harbour Beach | Brevard County |
| Indian River Shores | Indian River County |
| Indian Rocks Beach | Pinellas County |
| Indian Shores | Pinellas County |
| Inglis | Levy County |
| Interlachen | Putnam County |
| Inverness | Citrus County |
| Islamorada | Monroe County |
| Islandia | Miami-Dade County |
| Jacksonville Beach | Duval County |
| Jacksonville | Duval County |
| Jacob | Jackson County |
| Jasper | Hamilton County |
| Jay | Santa Rosa County |
| Jennings | Hamilton County |
| Juno Beach | Palm Beach County |
| Jupiter | Palm Beach County |
| Jupiter Inlet Colony | Palm Beach County |
| Jupiter Island | Martin County |
| Kenneth City | Pinellas County |
| Key Biscayne | Miami-Dade County |
| Key Colony Beach | Monroe County |
| Key West | Monroe County |
| Keystone Heights | Clay County |
| Kissimmee | Osceola County |
| La Crosse | Alachua County |
| LaBelle | Hendry County |
| Lady Lake | Lake County |
| Lake Alfred | Polk County |
| Lake Buena Vista | Orange County |
| Lake Butler | Union County |
| Lake City | Columbia County |
| Lake Clarke Shores | Palm Beach County |
| Lake Hamilton | Polk County |
| Lake Helen | Volusia County |
| Lake Mary | Seminole County |
| Lake Park | Palm Beach County |
| Lake Placid | Highlands County |
| Lake Wales | Polk County |
| Lake Worth | Palm Beach County |
| Lakeland | Polk County |
| Lantana | Palm Beach County |
| Largo | Pinellas County |
| Lauderdale Lakes | Broward County |
| Lauderdale-by-the-Sea | Broward County |
| Lauderhill | Broward County |
| Laurel Hill | Okaloosa County |
| Lawtey | Bradford County |
| Layton | Monroe County |
| Lazy Lake | Broward County |
| Lee | Madison County |
| Leesburg | Lake County |
| Lighthouse Point | Broward County |
| Live Oak | Suwannee County |
| Longboat Key* | Sarasota County |
| Longboat Key* | Manatee County |
| Longwood | Seminole County |
| Lynn Haven | Bay County |
| Macclenny | Baker County |
| Madeira Beach | Pinellas County |
| Madison | Madison County |
| Maitland | Orange County |
| Malabar | Brevard County |
| Malone | Jackson County |
| Manalapan | Palm Beach County |
| Mangonia Park | Palm Beach County |
| Marathon | Monroe County |
| Marco Island | Collier County |
| Margate | Broward County |
| Marianna | Jackson County |
| Marineland* | St. Johns County |
| Marineland* | Flagler County |
| Mary Esther | Okaloosa County |
| Mascotte | Lake County |
| Mayo | Lafayette County |
| McIntosh | Marion County |
| Medley | Miami-Dade County |
| Melbourne | Brevard County |
| Melbourne Beach | Brevard County |
| Melbourne Village | Brevard County |
| Mexico Beach | Bay County |
| Miami Beach | Miami-Dade County |
| Miami Gardens | Miami-Dade County |
| Miami Lakes | Miami-Dade County |
| Miami Shores Village | Miami-Dade County |
| Miami Springs | Miami-Dade County |
| Miami | Miami-Dade County |
| Micanopy | Alachua County |
| Midway | Gadsden County |
| Milton | Santa Rosa County |
| Minneola | Lake County |
| Miramar | Broward County |
| Monticello | Jefferson County |
| Montverde | Lake County |
| Moore Haven | Glades County |
| Mount Dora | Lake County |
| Mulberry | Polk County |
| Naples | Collier County |
| Neptune Beach | Duval County |
| New Port Richey | Pasco County |
| New Smyrna Beach | Volusia County |
| Newberry | Alachua County |
| Niceville | Okaloosa County |
| Noma | Holmes County |
| North Bay Village | Miami-Dade County |
| North Lauderdale | Broward County |
| North Miami | Miami-Dade County |
| North Miami Beach | Miami-Dade County |
| North Palm Beach | Palm Beach County |
| North Port | Sarasota County |
| North Redington Beach | Pinellas County |
| Oak Hill | Volusia County |
| Oakland | Orange County |
| Oakland Park | Broward County |
| Ocala | Marion County |
| Ocean Breeze Park | Martin County |
| Ocean Ridge | Palm Beach County |
| Ocoee | Orange County |
| Okeechobee | Okeechobee County |
| Oldsmar | Pinellas County |
| Opa-locka | Miami-Dade County |
| Orange City | Volusia County |
| Orange Park | Clay County |
| Orchid | Indian River County |
| Orlando | Orange County |
| Ormond Beach | Volusia County |
| Otter Creek | Levy County |
| Oviedo | Seminole County |
| Pahokee | Palm Beach County |
| Palatka | Putnam County |
| Palm Bay | Brevard County |
| Palm Beach | Palm Beach County |
| Palm Beach Shores | Palm Beach County |
| Palm Beach Gardens | Palm Beach County |
| Palm Coast | Flagler County |
| Palm Shores | Brevard County |
| Palm Springs | Palm Beach County |
| Palmetto | Manatee County |
| Palm Harbor | Pinellas County |
| Palmetto Bay | Miami-Dade County |
| Panama City | Bay County |
| Panama City Beach | Bay County |
| Parker | Bay County |
| Parkland | Broward County |
| Paxton | Walton County |
| Pembroke Park | Broward County |
| Pembroke Pines | Broward County |
| Penney Farms | Clay County |
| Pensacola | Escambia County |
| Perry | Taylor County |
| Pierson | Volusia County |
| Pine Crest | Miami-Dade County |
| Pinellas Park | Pinellas County |
| Plant City | Hillsborough County |
| Plantation | Broward County |
| Polk City | Polk County |
| Pomona Park | Putnam County |
| Pompano Beach | Broward County |
| Ponce De Leon | Holmes County |
| Ponce Inlet | Volusia County |
| Port Ornage | Volusia County |
| Port Richey | Pasco County |
| Port St. Lucie | St. Lucie County |
| Port St. Joe | Gulf County |
| Punta Gorda | Charlotte County |
| Quincy | Gadsden County |
| Raiford | Union County |
| Reddick | Marion County |
| Redington Beach | Pinellas County |
| Redington Shores | Pinellas County |
| Riviera Beach | Palm Beach County |
| Rockledge | Brevard County |
| Royal Palm Beach | Palm Beach County |
| Safety Harbor | Pinellas County |
| Saint Leo | Pasco County |
| San Antonio | Pasco County |
| Sanford | Seminole County |
| Sanibel | Lee County |
| Sarasota | Sarasota County |
| Satellite Beach | Brevard County |
| Sea Ranch Lakes | Broward County |
| Sebastian | Indian River County |
| Seabring | Highlands County |
| Seminole | Pinellas County |
| Sewall’s Point | Martin County |
| Shalimar | Okaloosa County |
| Sneads | Jackson County |
| Sopchoppy | Wakulla County |
| South Bay | Palm Beach County |
| South Daytona | Volusia County |
| Sounty Miami | Miami-Dade County |
| South Palm Beach | Palm Beach County |
| South Pasadena | Pinellas County |
| Southwest Ranches | Bay County |
| Springfield | Bay County |
| St. Augustine Beach | St. Johns County |
| St. Augustine | St. Johns County |
| St. Cloud | Osceola County |
| St. Lucie Village | St. Lucie County |
| St. Marks | Wakulla County |
| St. Pete Beach | Pinellas County |
| St. Petersburg | Pinellas County |
| Starke | Bradford County |
| Stuart | Martin County |
| Sun City Center | Hillsborough County |
| Sunny Hills | Washington County |
| Sunny Isles Beach | Miami-Dade County |
| Sunrise | Broward County |
| Surfside | Miami-Dade County |
| Sweetwater | Miami-Dade County |
| Tallahassee | Leon County |
| Tamarac | Broward County |
| Tampa | Hillsborough County |
| Tarpon Springs | Pinellas County |
| Tavares | Lake County |
| Temple Terrace | Hillsborough County |
| Tequesta | Palm Beach County |
| Titusville | Brevard County |
| Treasure Island | Pinellas County |
| Trenton | Gilchrist County |
| Umatilla | Lake County |
| Valpariso | Okaloosa County |
| Venice | Sarasota County |
| Vernon | Washington County |
| Vero Beach | Indian River County |
| Virginia Gardens | Miami-Dade County |
| Waldo | Alachua County |
| Wauchula | Hardee County |
| Wausau | Washington County |
| Webster | Sumter County |
| Weeki Wachee | Hernando County |
| Welaka | Putnam County |
| Wellington | Palm Beach County |
| West Melbourne | Brevard County |
| West Miami | Miami-Dade County |
| West Palm Beach | Palm Beach County |
| Weston | Broward County |
| Westville | Holmes County |
| Wewahitchka | Gulf County |
| White Springs | Hamilton County |
| Wildwood | Sumter County |
| Williston | Levy County |
| Wilton Manors | Broward County |
| Windermere | Orange County |
| Winter Garden | Orange County |
| Winter Haven | Polk County |
| Winter Park | Orange County |
| Winter Springs | Seminole County |
| Worthington Springs | Union County |
| Yankeetown | Levy County |
| Youngstown | Bay County |
| Zephyrhills | Pasco County |
| Zolfo Springs | Hardee County |
