At a glance
From its website, read 2 Nov 2026MIAMI BAYSIDE FOUNDATION, INC. is a loan fund based in Miami, Florida. Its website describes small-business loans. Stated loan amounts run from $5,000 to $250,000. Where it lends: Miami-Dade, Broward and Monroe Counties. You can start an application online. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (305) 379-7070 source |
|---|---|
| Lending | (786) 703-5767 source |
| info@miamibaysidefoundation.org source | |
| Apply online | Page with the application link |
| Website | www.miamibaysidefoundation.org |
| Office (official list) | 25 SE 2ND AVE STE 240, Miami, FL 33131 |
What their website says about applying
Please ensure that your business meets ALL OF THESE REQUIREMENTS
sourcePlease allow yourself at least an hour to complete the loan application accurately and in its entirety.
sourcePlease have the following documents ready when applying for a loan:
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | MBF provides loans of up to $250,000 at a competitive 6% interest rate for a term of up to 5 years (subject to lease terms). | source |
| Loans (general) | Term: see their wording | MBF provides loans of up to $250,000 at a competitive 6% interest rate for a term of up to 5 years (subject to lease terms). | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Business plan required
Business Plan including corporate history and comprehensive marketing plan.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Feb 2014 |
| RSSD ID | — (none listed) |
| Address | 25 SE 2ND AVE STE 240, Miami, FL 33131 Directions (Google Maps) |
| Website | www.miamibaysidefoundation.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The 2013 microloan press release was not treated as a current product because the loan programs page does not list it. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Small-business loans | $5,000 – $125,000 | Loans are available from $5,000 to $125,000. Loans up to $250,000 are available under certain circumstances. | source |
Loan sizes
MBF provides loans of up to $250,000 at a competitive 6% interest rate for a term of up to 5 years (subject to lease terms).
sourceLoans are available from $5,000 to $125,000. Loans up to $250,000 are available under certain circumstances.
source
Range used for the size filter: $5,000 to $250,000
Service area
Miami-Dade, Broward and Monroe Counties
Domiciled in Miami-Dade, Broward, or Monroe Counties, as stated in the organization’s occupational license;
source
Counties this matches: Broward County, FL, Miami-Dade County, FL, Monroe County, FL
Borrower focus
Languages
- Spanish
Applications available in English and Spanish.
source
Online application
Yes — the site links to an application. Apply Now (English)
source
Pages read (7)
- https://miamibaysidefoundation.org/
- https://miamibaysidefoundation.org/the-miami-bayside-foundation-launches-microloan-program/
- https://miamibaysidefoundation.org/Gallery/microloan-program-recipients/1369359083-evan-leaphart2/
- https://miamibaysidefoundation.org/black-business-loan-program/thank-you-black-business-loan-program/
- https://miamibaysidefoundation.org/miami-bayside-foundation-selected-by-the-state-of-floridas-department-of-economic-opportunity-as-its-development-partner-to-administer-the-black-business-loan-program/
- https://miamibaysidefoundation.org/loan-programs/
- https://miamibaysidefoundation.org/about-us/microloan-website/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$5.7 million in 8 awards from the U.S. Treasury's CDFI Fund, 2016–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $1,776,501 |
| 2022 | CDFI Program, Financial Assistance | $560,000 |
| 2021 | CDFI Program, Financial Assistance | $525,000 |
| 2021 | CDFI Rapid Response Program | $1,500,000 |
| 2020 | CDFI Program, Financial Assistance | $400,000 |
| 2019 | CDFI Program, Financial Assistance | $225,000 |
| 2017 | CDFI Program, Financial Assistance | $636,000 |
| 2016 | CDFI Program, Technical Assistance | $125,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2023| Total assets | $11.5M |
|---|---|
| Total liabilities | $4.8M |
| Net assets | $6.7M |
| Total revenue | $2.3M |
| Notes and loans receivable, net (Part X line 7) | $6.2M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 59-2834504, filed as “MIAMI BAYSIDE FOUNDATION INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Dec 2021 (990) | $8.9M | $4.9M | $2M | $5.3M |
| Dec 2022 (990) | $9.9M | $5.9M | $2.6M | $6M |
| Dec 2023 (990) | $11.5M | $6.7M | $2.3M | $6.2M |
Total assets grew 29% from Dec 2021 to Dec 2023; notes and loans receivable rose 18%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $250,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 38% of these 184. |
| Total assets, latest IRS Form 990 | $11.5M | Larger than 67% of the 9 other certified loan funds and venture funds in Florida with a matched Form 990 (median $8.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 38% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Florida | 9 | larger than 67% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Miami and Florida
- BAC Funding Consortium, Inc.Loan fund · Miami, FLCommercial real estate loans, Equipment loans, Equity / venture investment, Small-business loansVerified
- BLACK ECONOMIC DEVELOPMENT COALITION, INC.Loan fund · Miami, FLMicroloans, Small-business loansVerified
- Miami Postal Service Credit UnionCredit union · Miami, FLAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Personal / consumer loansVerified
- BBIF Capital, Inc.Loan fund · Orlando, FLCommercial real estate loans, Microloans, Small-business loansVerified
- Blue Coast Federal Credit UnionCredit union · Perry, FLAgriculture / farm loans, Auto / vehicle loans, Home repair / improvement loans, Personal / consumer loans…Verified
- Calhoun Liberty Credit UnionCredit union · Blountstown, FLAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
Work at MIAMI BAYSIDE FOUNDATION, INC.? Link to this page
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