Carlos Torres

Background

Carlos Torres founded T.A.G. Business Funding after recognizing a consistent pattern: small business owners with strong, consistent revenue were being declined by banks for reasons that had nothing to do with how their businesses actually performed. A low credit score from years ago, a tax lien, a previous bankruptcy — these disqualify a business from traditional bank financing even when the cash flow tells a completely different story.

T.A.G. operates as an Independent Sales Organization (ISO) working with 40+ MCA funding partners. Carlos works with business owners directly — restaurants, contractors, trucking companies, retailers, healthcare providers — to match them with the right capital partner based on their actual cash flow and operating profile.

Why T.A.G. Exists

Banks look at credit history. MCA underwriters look at cash flow. Those are two very different pictures of a business, and for most small business owners — contractors, restaurant operators, trades, and service businesses — the cash flow picture is the accurate one.

The gap between what a bank sees and what the business actually does is where T.A.G. operates. Our job is to get the right business owner in front of the right capital partner — with a clear, honest explanation of what the advance costs, how repayment works, and what questions to ask before signing. We say no when an advance is not in a business owner's interest. We say yes when the numbers work.

As a minority-owned business, Carlos understands firsthand that access to capital has historically been distributed unequally across demographic lines. The Federal Reserve's own data shows that minority-owned businesses are denied bank financing at significantly higher rates than their white-owned counterparts — even when controlling for creditworthiness. Revenue-based underwriting doesn't look at who you are. It looks at what your business does.

The Funding Network

T.A.G. Business Funding submits files to 40+ vetted MCA funding partners competitively. This is a key operational difference: where a direct funder shows you only their own offer, T.A.G. presents competing offers and lets you choose. Competitive submission typically produces better factor rates, higher advance amounts, and more favorable holdback percentages than approaching any single funder directly. T.A.G.'s commission is paid by the funder — not added to your cost.

Industries We Regularly Fund

• Restaurants, bars, food trucks, bakeries, and food service
• HVAC, plumbing, electrical, and roofing contractors
• General contractors and construction companies
• Auto repair shops, trucking companies, and transportation
• Medical clinics, dental offices, and healthcare providers
• Hair salons, barbershops, nail salons, and beauty businesses
• Retail stores, wholesale businesses, and e-commerce
• Landscaping, cleaning services, and property maintenance
• Gyms, fitness studios, and wellness businesses
• Staffing agencies and professional service firms

What We Will and Won't Do

We will explain every line of the offer — factor rate, holdback, total repayment, estimated term, and early payoff terms — before you sign. We will tell you when an offer looks unfavorable and explain why. We will say no when the advance doesn't make sense for your situation.

We will not pressure you to sign. We will not add fees on top of what funders quote. We will not apply for offers with funders that require undisclosed hard credit pulls. We will not recommend stacking advances in a way that creates unsustainable daily payment obligations.

Editorial Standards

Every article on this site is written to help business owners understand MCA underwriting accurately — including what qualifies, what disqualifies, what things cost, and what alternatives exist. Content is written by or under the review of Carlos Torres, who works in active MCA underwriting daily and can validate claims against real offer data.

We cite primary sources when available: Federal Reserve Small Business Credit Survey data, state disclosure law text, FDIC lending surveys. We do not publish content designed to mislead or oversimplify. When something is uncertain — because underwriting criteria vary by funder or market conditions shift — we say so rather than stating false certainties.

All articles reflect our understanding of how MCA underwriting generally works. Individual underwriting decisions are made by the capital partners in our funding network. Approval is never guaranteed. Advance amounts, factor rates, and terms vary based on individual business profiles and funder criteria at the time of application.

Disclosures

T.A.G. Business Funding (Towers Asset Group LLC) is an ISO working with a network of MCA funding partners. We are not a direct lender. We earn a commission from funding partners when a deal closes — this commission is paid by the funder, not added to your advance cost. In states with commercial finance broker disclosure requirements (California, New York, Utah, Virginia, Georgia), broker compensation is disclosed in writing per state law. We will disclose how we are compensated upon request in any state.

Contact Carlos Directly

Phone / Text: 330-238-3003
Email: ctorresusha@gmail.com
Address: 46 Plaza Dr, Unit #5055, Chagrin Falls, OH 44022
Hours: Mon–Fri 8am–6pm ET | Sat 9am–2pm ET

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