One person. One vetted lender. Your data stays yours.

Who you're actually talking to

I'm Michael Urrutia, a Miami-based business finance manager. For the last three years my entire job has been the same thing: sitting across from business owners, understanding what they actually need, and connecting them with the right lender — not whoever pays the most for a lead. I've seen how the financing world really works from the inside, including the parts most owners never get told about until it's too late.

That experience is the whole reason Strata exists in the form it does. I'm not a bank and I'm not a lender — I don't make credit decisions or fund deals. I'm the person who knows the landscape, knows which lenders are honest and which products quietly trap you, and makes one accountable introduction so you don't have to gamble.

Why I work one-to-one

Most "business funding" websites are built to do one thing with your information: sell it. The moment you hit submit, your name, number, and revenue can get auctioned down a chain of buyers — that's the data-broker "ping-tree," and it's why one form fill turns into weeks of relentless calls and texts. It also leads to owners getting "stacked" with several positions they can't carry at once.

I built Strata as the opposite of that. One honest review. One introduction. One consent. Your information goes to a single lender you authorize — and to no one else, ever. It's a slower, more careful model than the lead-gen machine, and that's the point: it's the model I'd want if it were my business on the line.

What I can connect you with

Across every common financing vehicle, I'll point you to the option that fits — and tell you honestly when financing isn't the right move at all:

• Working capital & lines of credit — for payroll, inventory, and cash-flow gaps
• SBA & term loans — lower-cost, longer-term capital (see the 2026 SBA requirements)
• Equipment financing — fund machinery and vehicles while keeping cash free
• Commercial real estate — buy, refinance, or expand property
• MCA consolidation — escape costly daily/weekly advances
• Invoice factoring — turn unpaid invoices into cash now
• Home equity (HELOC) — through licensed lending partners

How the process works

It's intentionally simple: you tell me a little about your business and what you're trying to fund; I review it personally; and if I have a vetted lender that fits, I make a single, direct introduction — usually within one business day. If I don't have a fit, I'll tell you that too, and point you somewhere useful. See the full step-by-step here.

My promise

Two things I won't bend on: I don't sell, share, or auction your information, and I won't push you toward a product that hurts you to earn a fee. If you want to go a step further and protect your details at the source, I explain how in the Business Safety Guide.

Reach me directly: (786) 254-1473 · Michael@strata.enterprises