Georgia's economy is anchored by Atlanta — home to Coca-Cola, Delta, Home Depot, UPS, CNN, and a film production industry that rivals Hollywood. Atlanta's Old Fourth Ward, Westside, Beltline corridor, and Buckhead host dense independent business communities generating exceptional card volume. Savannah's tourism economy and Hartsfield-Jackson airport's logistics hub compound Georgia's diverse statewide business base. Hartsfield-Jackson is the world's busiest airport by passenger volume — creating constant hospitality and service demand.
Georgia banking is conservative and heavily concentrated on commercial real estate lending. MCA evaluates six months of your deposits, funds in 24–48 hours, and serves Georgia's fast-growing restaurant, construction, and services sectors.
Served statewide: Atlanta, Savannah, Augusta, Macon, Columbus, Sandy Springs, Albany, Roswell, Alpharetta, Marietta, Decatur.
Apply Online (10 min)
Basic business info + 6 consecutive months bank statements. No hard credit pull.
Underwriting (1–3 hrs)
We review your deposits and revenue — not just FICO.
Offer & Approval (same day)
Advance amount, factor rate, and remittance. No hidden fees.
Funds Deposited (24–48 hrs)
Wire to your GA business bank account. Same-day on files approved by noon ET.
Can a Georgia small business get a merchant cash advance?
Yes. Georgia businesses with 6+ months operating, $4,000–$6,000+/month in deposits, and 500+ FICO qualify statewide — Atlanta, Savannah, Augusta, Macon, and throughout all 159 counties.
What credit score do I need?
Minimum 500 FICO. Approval is based primarily on monthly bank deposits — bank declines, tax liens, and prior bankruptcies do not automatically disqualify you.
How fast can a Georgia business get funded?
Decision in 24–48 hours. Funding in 1–3 business days after acceptance. Same-day available on files approved by noon ET.
Georgia has one of the largest concentrations of minority-owned small businesses in the Southeast. The Federal Reserve's 2024 SBCS found Black-owned businesses experience the highest financing denial rates — making revenue-based MCA critically important for many Georgia operators.
Georgia's small business lending approval rate under $250,000 was 39% in 2024 — one of the lowest in the Southeast. Black-owned businesses face even higher denial rates, making revenue-based alternatives critical.
Merchant cash advances are revenue-based — any Georgia business with consistent monthly deposits qualifies. These are the most active MCA industries in Georgia.
Catering, equipment rental, and logistics firms serving Georgia's film industry.
Pre-season purchasing for retail and restaurant businesses.
Materials and labor before contractor draw payments.
Bridging payroll during delayed payment cycles.
Commercial kitchen, salon, medical, or construction equipment.
New location deposits, build-out costs, market expansion.
| Factor | MCA via T.A.G. | Georgia Bank Loan |
|---|---|---|
| Decision time | 24–48 hours | 30–90 days |
| Minimum FICO | 500 | 680–720+ |
| Collateral | None required | Required (real estate, equipment) |
| Bank decline OK? | Yes | No |
| Tax liens OK? | Usually yes | No |
| Repayment | % of daily deposits (flexible) | Fixed monthly payment |
- MCA Advance Amount Formula
- Advance = Avg Monthly Deposits × 0.75 – 1.50
- Minimum to Qualify
- $4,000–$6,000/month in bank deposits, 6+ months in business, 500+ FICO
| Avg Monthly Deposits | Min Advance (0.75×) | Typical Advance (1.0×) | Max Advance (1.5×) |
|---|---|---|---|
| $18,000 — Savannah café or retail shop | $13,500 | $18,000 | $27,000 |
| $35,000 — Macon manufacturer | $26,250 | $35,000 | $52,500 |
| $50,000 — Atlanta restaurant | $37,500 | $50,000 | $75,000 |
| $70,000 — Savannah contractor | $52,500 | $70,000 | $105,000 |
| $120,000 — Atlanta multi-location restaurant group | $90,000 | $120,000 | $180,000 |
Does Georgia have disclosure requirements for MCAs?
Yes. Georgia enacted commercial finance disclosure requirements under SB 90 (effective January 1, 2024), requiring providers to disclose the total cost of capital, APR-equivalent, and repayment structure before signing. T.A.G. provides full SB 90-compliant disclosures on every offer.
Does T.A.G. specialize in minority-owned Georgia businesses?
Yes. T.A.G. Business Funding is minority-owned and has a specific focus on serving underserved small business communities. Atlanta's Black-owned business ecosystem is a core focus market. Revenue-based underwriting levels the playing field for businesses traditional banks have historically declined.
Can an Atlanta restaurant chain get MCA across multiple locations?
Yes. Multi-location businesses can apply for a consolidated advance based on combined deposit history. T.A.G.'s network can structure up to $5M for established restaurant groups with consistent revenue.
How much can a Georgia business qualify for with MCA?
Georgia businesses typically qualify for 75%–150% of average monthly bank deposits. An Atlanta restaurant averaging $50,000/month qualifies for $37,500–$75,000. A Savannah contractor averaging $70,000/month may qualify for $52,500–$105,000. A Macon manufacturer averaging $35,000/month may qualify for $26,250–$52,500. Advance amounts range from $5,000 to $1,000,000.
What Georgia industries qualify most easily for MCA?
Georgia's strongest MCA markets include restaurants (Atlanta's Westside, Midtown, Buckhead dining corridors), construction (Metro Atlanta suburban expansion), film industry support businesses (Georgia's active production economy), healthcare, logistics and distribution (Georgia is a major Southeast hub), and retail. Any Georgia business with $4,000–$6,000+/month in deposits qualifies regardless of industry.
- SB 90 — Georgia Commercial Finance Disclosure Law (APR-Equivalent Disclosure Required)
- Georgia enacted commercial finance disclosure requirements under SB 90, signed May 2023 and effective January 1, 2024. Providers must disclose the total cost of capital, APR-equivalent, and repayment structure before any agreement is signed. T.A.G. provides full SB 90-compliant disclosures on every Georgia offer.
Ready to Fund Your Georgia Business?
Apply in 10 minutes. No hard pull. Decision in 24–48 hours.
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