At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About Wynwood Capital Group
Wynwood Capital operates out of Miami\'s Wynwood district and has funded over $500 million since 2016. The pitch is straightforward: they do not force you into a rigid daily ACH schedule and pretend your slow months do not exist. Instead, they build a repayment plan around how your cash flow actually works. That means variable percentage-based repayments tied to revenue, seasonal adjustments that increase payments during peak months and decrease them during slow ones, and the ability to modify your schedule mid-term if conditions change. A beachfront restaurant making 70% of its money between May and September gets a different payment calendar than a catering company with steady year-round bookings. The team is fully bilingual in English and Spanish, which matters in Miami\'s business community.
Key Features
Adaptive Repayment Plans
Your repayment schedule is built around your actual revenue pattern. Peak months carry heavier payments. Slow months carry lighter ones. Not a one-size-fits-all daily ACH.
Revenue-Matched Withdrawals
Repayment can be tied directly to daily credit card receipts or bank deposits. Earn more, pay more. Earn less, pay less. The payment scales with what your business actually brings in.
Mid-Term Modifications
If your business hits an unexpected rough patch -- or an unexpected windfall -- Wynwood can adjust your repayment schedule mid-term. Most MCA providers will not do this.
Bilingual Support Team
Fully bilingual English and Spanish support from application through repayment. No language barrier when you need to discuss your account or request a schedule change.
Same-Day Pre-Approval
Pre-approval decisions come back the same day. Final funding typically lands in your account within 24-48 hours of submitting documents.
How It Works
Initial Consultation
Talk to a funding specialist who maps your revenue patterns and figures out which repayment structure actually fits your cash flow.
Application & Documents
Fill out the application and upload 4 months of bank statements, a valid ID, and a voided check. Straightforward.
Custom Offer Review
Your offer shows the repayment structure, factor rate, total cost, and payment schedule. All spelled out before you commit.
Fund & Repay Flexibly
Accept and get funded in 24-48 hours. Repayment follows the flexible schedule built around your business, not a generic daily ACH.
What They Do
- Merchant Cash Advance
- Revenue-Based Financing
- Working Capital
- Business Expansion Funding
Debt Types They Take On
- Merchant Cash Advance
- Revenue-Based Financing
- Working Capital
- Short-Term Advance
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Seasonal Restaurant Cash Flow
Beachfront restaurant in Fort Lauderdale needed $85K for pre-season renovations. The catch: 70% of annual revenue comes in just 5 months. A fixed-payment MCA would have crushed cash flow during the off-season.
Catering Company Expansion
Miami catering company was turning down wedding season bookings because they only had one delivery vehicle and the kitchen could not handle the volume. Needed $45K fast.
Pros & Cons
Pros
- Unusual flexibility in repayment structures
- Revenue-matched repayment adjusts to actual business performance
- Mid-term schedule modifications available if conditions change
- Bilingual English and Spanish support team
- Same-day pre-approval with fast 24-48 hour funding
Cons
- Not available in North Dakota or South Dakota
- Requires minimum 4 months of bank statements for underwriting
- Factor rates on flexible plans may be slightly higher than fixed-schedule advances
User Reviews (15)
solid funder but not available in my buddy's state
My plumbing business in FL got $40K at 1.20 no issues. But my buddy in South Dakota couldn't apply because Wynwood doesn't serve ND or SD. Only 48 states. If you're in one of those two states this review is useless to you. For everyone else, the flexible repayment is actually differentiated.
four months of bank statements is a lot
Most MCA providers want 3 months. Wynwood wants 4. When you're running a bakery and barely have time to breathe, hunting down that extra month of statements is annoying. Got $20K at 1.24 eventually but the paperwork requirement felt unnecessary for a small advance. The product itself is solid once you get through underwriting.
the mid-term modification saved me during a renovation closure
Fast and easy. No complaints.
the flexible repayment is real not just marketing talk
My beachfront bar does 70% of revenue between March and September. Every other MCA provider wanted fixed daily ACH that would have crushed me in winter. Wynwood built a repayment plan that goes UP in summer and DOWN in winter. $65K at 1.22 factor rate. Repayment actually follows my cash flow. This is not something most funders even offer let alone execute properly.
miami based funder that actually understands miami businesses
Being local to Miami matters. They understand tourist season, they understand the bilingual market, they understand that a coffee shop near the beach has a completely different cash flow pattern than one in the suburbs. $18K at 1.20 for my Wynwood neighborhood coffee shop. Having a funder who GETS your market is underrated.
good product but factor rates are slightly higher for the flexibility
The flexible repayment is worth it but you pay for it. My buddy got a fixed-daily MCA at 1.15 from a different funder. Wynwood gave me 1.24 for the same amount because the variable schedule adds risk on their end. $50K advance. The flexibility is really valuable during slow months but know you're paying a premium for it.
my deli is seasonal af and wynwood gets it
Beach town deli. Memorial Day to Labor Day is 80% of my business. October through March I'm barely breaking even. Wynwood structured my $30K advance so I pay almost nothing in winter and make it up in summer. Every other MCA provider I talked to wanted $180/day year round which would have bankrupted me by February. This company literally saved my business.
mid-term modification actually happened when my revenue dipped
tbh I was skeptical about the "mid-term modification" promise. But when a hurricane delayed three projects and my revenue dropped 40% for two months, I called Wynwood and they reduced my weekly payments for 8 weeks. No penalty, no drama. $80K advance at 1.25. They literally adjusted the schedule mid-stream. I have NEVER seen another MCA provider do this.
seasonal adjustment worked perfectly for my business
Landscaping in Florida has a busy season (fall/winter) and a dead season (summer when everyone's grass stops growing). Wynwood gave me $35K at 1.25 with higher payments Oct-March and lower payments Apr-Sept. Finally an MCA that doesn't pretend every month is the same. Only ding is the origination fee was 2.5% on top of the factor rate.
revenue-matched payments make food truck life manageable
Food truck revenue is insanely unpredictable. Rain kills a day. Festival weekends are 5x normal. Wynwood's revenue-matched repayment means I pay more when I crush it and less when weather or events work against me. $25K at 1.28. Only con is they need 4 months of statements which was annoying to pull together for a truck business.
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Important Merchant Cash Advance Disclaimers
- A merchant cash advance is not a loan. It is a purchase of future receivables at a discount. Factor rates, not APRs, are used to express the cost of capital. Effective APRs on merchant cash advances can range from 40% to over 350% depending on the term and factor rate.
- Repayment is typically collected daily or weekly via automatic ACH debits or a percentage of credit card sales. This means your repayment amount fluctuates with revenue but withdrawals occur every business day, which can strain cash flow during slow periods.
- Most MCA agreements require a personal guarantee from the business owner. In the event of default, the MCA provider may pursue the owner's personal assets, including bank accounts and property.
- MCA providers commonly file UCC-1 liens against your business assets. This lien may prevent you from obtaining additional financing until the advance is fully repaid and the lien is released.
- Merchant cash advances are not regulated by federal lending laws such as the Truth in Lending Act (TILA). State regulations vary widely, and some states have limited consumer protections for MCA products.
- Stacking multiple merchant cash advances (taking a second advance before the first is repaid) significantly increases the risk of default and can lead to aggressive collection actions including confessions of judgment in some jurisdictions.
- Zogby does not provide merchant cash advances or business financing. We are an independent comparison service. We do not fund advances, process applications, or guarantee approval on your behalf.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
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We make money from some companies on this page. That doesn't change our rankings -- the editorial team scores every product independently, and the business side has no say in what we recommend.