Monterra Financial was born from a simple belief: every business deserves access to capital on terms that actually work for them — not just for the bank. We're a Miami-based commercial financing firm with a specialized understanding of how small businesses operate.
Untethered from traditional banking institutions, we provide strategic financing outside the lengthy, rigid process you'd find at a traditional lender. Our mission: match every business with the right capital at the right time.
While big banks only fund large corporations and deny the small businesses that power America's economy, Monterra Financial exists to serve the real MVPs — the entrepreneurs, operators, and owners who build something from nothing every day.
Our discovery process identifies your needs, finds all options available to you, and presents the best ones clearly. You decide. That's how we provide tailored financing for any industry, any credit profile, any business stage.
Miami-based. Client-obsessed. Built on integrity from day one.
With over 15 years in commercial finance, Matthew Hoch built Monterra Financial on a simple but powerful conviction — that every business owner deserves honest guidance and the best funding solution available to them, not just the most convenient one.
From day one, Matthew's approach has been rooted in integrity. The clients who trusted him when he first entered this industry are still with him today — a testament to the relationships he builds and the results he delivers. He has never chased volume over trust.
His vision is straightforward: treat every client the way he would want to be treated, be completely transparent about every option, and fight to get them the capital they actually deserve. At Monterra, that's not a marketing line — it's how every single deal is done.
Apply in 5 minutes. No credit impact. Dedicated advisor assigned the same day.