Up to $5,000,000 for small business owners. No collateral required. One simple application, then a decision from the funding provider. Bank turndowns OK. BK's OK. 500 FICO OK.
• Business bank statements only — last 4 consecutive months
• Must show a minimum $2,750+ CAD average ENDING BALANCE across all 4 statements
• $5,500+ CAD average ENDING BALANCE preferred
• Deposits alone do not qualify you — the ENDING BALANCE is what matters
• If your average ENDING BALANCE is below $2,750 CAD, please do not apply yet
Click "Apply" to complete the quick 2-minute form and securely upload your documents through our online portal.
Your file is matched with our top funding partners. Offers come back from the funding partners that review your file.
Choose the offer that fits your business. Sign electronically and funds are wired directly to your business bank account.
T.A.G. Business Funding connects small business owners with working capital and business lines of credit through our network of funding partners — from $10,000 to $5,000,000, with timing that depends on the funding source's review and your documents. One simple application is all it takes. Complete your information below, and we'll reach out with next steps and a document request.
Not sure what the numbers look like yet? See what your advance could cost — try our MCA calculator. We fund businesses nationwide, including a growing base of business owners in New York.
Requirements and terms vary by product and funding provider.
Takes about 5 minutes. One secure application for our funding network. No obligation.
Use our free tools to check your fundability, calculate payments, and understand exactly what you need before you apply.
LEARN ABOUT MCA
500 FICO minimum. Bank turndowns OK. Funding timing set by the provider. Select your province or industry below.
Leadership & Trust
Founder & Managing Principal, T.A.G. Business Funding
T.A.G. Business Funding is a minority-owned business funding firm founded by Carlos Torres and based in Chagrin Falls, Ohio. We help small business owners access merchant cash advances and working capital as an Independent Sales Organization working with a network of funding partners.
Read the full founder profile →Everything You Need to Know
Real answers from an active ISO that funds small businesses every day.
T.A.G. Business Funding is a minority-owned business funding firm founded by Carlos Torres and based in Chagrin Falls, Ohio. We help small business owners access merchant cash advances and working capital as an Independent Sales Organization working with a network of funding partners.
No. The application is completely free. T.A.G. earns a commission from the funder — only if you are successfully funded. There is never any fee charged to the merchant to apply, receive offers, or review terms.
T.A.G. is an ISO with relationships across our funding partners. We submit your file to multiple funders competitively and present all the offers we receive, so you can choose the best terms. A direct funder only shows you one offer — their own. Working with T.A.G. typically results in better pricing because funders compete for your business.
The process has three steps: (1) Click "Apply" and complete the short online form, then securely upload your documents through our portal. (2) T.A.G. matches your file with multiple funding partners, and their offers come back to you as they are returned. (3) Choose the offer that fits your business, sign electronically, and funds are wired directly to your business bank account.
Yes. Carlos or a member of the T.A.G. team will follow up directly, usually within a few hours during business hours. You can also call directly at (330) 238-3003. We do not use automated phone trees — you speak with a real person.
The minimum FICO score is 500. MCA approval is primarily based on monthly revenue and bank deposit history — not credit score alone. Bankruptcies, tax liens, and prior bank turndowns are acceptable in most cases. See our bad credit funding guide.
The minimum monthly revenue is approximately $4,000 deposited into your business bank account. Most applicants qualify for 100 to 150% of one month's average deposits. A business with $20,000/month qualifies for roughly $20,000 to $30,000. Higher and more consistent deposits produce larger offers and better factor rates.
Most funders require at least 6 months of operating history. Some programs accept businesses as young as 3 months with strong monthly revenue. Startups under 3 months old are not eligible for MCA funding through T.A.G.'s network.
In many cases, yes. Tax liens are reviewed case by case. A federal tax lien with an active payment plan is often acceptable. An active bank levy on your account is generally disqualifying. Submit an application and your specific situation will be evaluated individually.
It depends on type and timing. Bankruptcies discharged more than 1 year ago are generally acceptable to most funders. Open/active bankruptcy proceedings are typically disqualifying. Your T.A.G. representative will review your specific situation.
Yes. Seasonal businesses are evaluated based on their most recent active revenue months. If your business has strong seasons with consistent deposits, those months are used to calculate your qualifying amount. The holdback structure means you repay more during high-revenue periods and less during slow periods.
Most cash-flow businesses qualify, including restaurants, contractors, construction, trucking, retail, auto repair, medical, dental, HVAC, roofing, salons, gyms, landscaping, staffing, and manufacturing. Some restricted industries include adult entertainment, firearms dealers, cannabis, and financial services firms. See the full industry eligibility guide.
Yes. Sole proprietors can qualify with a business bank account showing consistent deposits and at least 6 months of operating history. Home-based businesses are evaluated the same way as brick-and-mortar locations — based on revenue, not location.
A merchant cash advance (MCA) is a revenue-based financing product — not a loan. A funder provides a lump sum of capital upfront in exchange for a fixed amount of your future business revenue, repaid via daily or weekly debits from your bank account. Because it is structured as a purchase of future receivables rather than a loan, it is evaluated differently and funded faster than traditional loans. Full MCA guide.
Most MCA terms run 4 to 18 months depending on advance size, holdback rate, and your revenue volume. T.A.G. provides a written repayment estimate with every offer so you understand the expected timeline before signing anything.
Some funders offer early payoff discounts. Other funders charge the full factor amount regardless since MCA is a fixed-cost product, not interest-based. T.A.G. discloses the early payoff policy for every offer before you sign.
Initial funding decisions are based primarily on your business's bank-statement cash flow, without a hard credit inquiry before the initial decision. Additional underwriting and credit checks, potentially including a hard inquiry, may occur before final funding. MCA advances generally do not appear on your personal credit report as debt. A UCC-1 filing will appear on business credit checks but is removed when the advance is repaid.
No collateral is required for a standard merchant cash advance. Funders secure the advance via a UCC-1 filing against business receivables — not physical collateral like real estate or equipment. This is a key difference between MCA and most traditional business loans.
T.A.G. works with funders offering $10,000 to $5,000,000. Your offer is typically 100 to 150% of average monthly deposits. A business with $30,000/month in deposits might qualify for $30,000 to $45,000 on a first advance. Higher amounts are available for businesses with long track records and strong revenue consistency.
The core requirements are: (1) your last 4 months of business bank statements, and (2) a completed one-page application. No tax returns, P&L statements, or business plans are required for the initial offer. Additional documents may be requested by the funder during underwriting.
Bank statements are the primary underwriting document. Funders use them to verify monthly revenue, average daily balance, NSF (insufficient funds) frequency, and deposit consistency. A business with high deposits but many NSFs looks different to a funder than one with moderate, consistent deposits. Personal bank statements are generally not accepted.
Decisions are returned by the funding provider once your submission is complete. Complex files and higher advance amounts take the provider longer to review. Once you accept an offer and sign the contract, funding reaches your bank account on the provider’s timeline. Funding timing is set by the provider after it approves the file.
Submit what you have. If you have 2 to 3 months of statements instead of 4, some funders will still review the file. T.A.G. will work with you to identify what is missing and which funders may still approve based on available documentation.
Yes. Document uploads are encrypted in transit. Your bank statements and application data are shared only with vetted funders for the purpose of evaluating your application. T.A.G. does not sell, rent, or share your information with third-party marketers.
Here is the typical sequence: (1) T.A.G. reviews your file — usually within 1 to 2 hours during business hours. (2) Your file is submitted to multiple funders. (3) Offers return once the provider has reviewed your file. (4) A T.A.G. representative calls you to review offers — factor rate, total repayment, holdback, estimated term. (5) If you accept, the funder sends a contract for electronic signature. (6) Funds deposit on the provider’s timeline.
No. Initial funding decisions are based primarily on your business's bank-statement cash flow, without a hard credit inquiry before the initial decision. Additional underwriting and credit checks, potentially including a hard inquiry, may occur before final funding.
No obligation whatsoever. Submitting an application creates no commitment. You review what you qualify for and decide whether to proceed. There is no pressure, no countdown timer, and no penalty for declining.
T.A.G. explains why — to the extent funders share that information — and advises on what you can do to improve fundability. Common reasons include insufficient monthly revenue, excessive NSFs on bank statements, or an active legal judgment. Many declined applicants successfully reapply after 60 to 90 days of improvement.
T.A.G. earns a commission from the funding partner — only when a deal is successfully funded. The commission is paid by the funder, not deducted from your advance. In states requiring broker disclosure, compensation is disclosed in writing as required by law.
Yes. Previous declines do not permanently disqualify you. If your revenue has improved, bank statements show fewer NSFs, or time has passed since a bankruptcy or judgment, your situation looks different to funders. T.A.G. evaluates every new application on its current merits.
Yes. Payroll is one of the most common uses of MCA working capital. If a slow month has left you short on payroll, MCA funding can bridge that gap far faster than any bank loan. You never have to explain to employees why payroll is late.
Yes. Equipment purchases — a restaurant oven, a contractor's truck, a trucking company's trailer, or a salon chair — are common uses of MCA funding. If equipment financing is your primary need, T.A.G. can also explore dedicated equipment funding programs through its funder network.
Yes. Inventory is a primary use case. Retail stores, distributors, and wholesale businesses use MCAs to stock up for high-demand seasons or take advantage of supplier bulk discounts. Because MCA funding moves quickly, you never miss a supplier deal because capital was not ready.
Yes. Many businesses renew once they have repaid 50 to 70% of the original advance. A successful first advance with consistent repayment typically produces better terms on renewal. T.A.G. monitors your repayment progress and will reach out when renewal timing is optimal.
Still have a question?
Call Carlos directly or submit your application — the review is free with no obligation.
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Initial funding decisions are based primarily on your business's bank-statement cash flow, without a hard credit inquiry before the initial decision. Additional underwriting and credit checks, potentially including a hard inquiry, may occur before final funding.
