MCA Funding for California Small Businesses
T.A.G. Business Funding works with small businesses across California. As an ISO partner of Mom & Pop Business Funding, we connect California businesses with working capital based on their revenue history, not their credit score.
Who qualifies in California:
- 500+ FICO score
- $8K+ per month in deposits
- 4+ months in business
- US bank account
Industries we serve:
- Restaurants & food service
- Retail & e-commerce
- Construction & trades
- Healthcare & services
What does not disqualify you:
- Bank decline history
- Tax liens on record
- Prior bankruptcies (discharged)
- Credit score as low as 500
Funding Locations in California
We work with businesses across all of California. Select your market for local funding guides:
Not in one of these cities? We serve all California businesses — apply here regardless of location.
How to Apply for Business Funding in California
Apply Now - California Businesses Welcome
Business Funding in California - FAQ
What are the minimum requirements for business funding in California?
To qualify for an MCA in California, you need: 500+ FICO score, $8,000-$10,000 per month in business bank deposits, 4+ months in business, a US business bank account, and no open bankruptcy. Tax liens, past bank declines, and less-than-perfect credit do not disqualify you.
How fast can California businesses get funded?
Most California businesses receive a funding decision within 2-4 hours and same-day or next-day wire transfer. Submit your application and 3 months of bank statements before noon Eastern time for same-day funding.
Can I get business funding in California with bad credit?
Yes. MCA approval is based primarily on monthly revenue, not credit score. California businesses with credit scores as low as 500 FICO can qualify as long as they meet the monthly deposit minimums. Past bank declines, tax liens, and NSFs do not disqualify applicants.