MCA Qualification Requirements — Arizona
500+
Personal FICO Score
$10,000+
Monthly Revenue
6 months
Min Time in Business
Active AZ
Business Bank Account
No open
Bankruptcy
3–6 months
Bank Statements
Arizona Industries T.A.G. Funds
Construction and Contractors
Materials, payroll, equipment, job mobilization
Restaurants and Hospitality
Equipment, remodel, payroll, seasonal capital
Healthcare — Private Practice
Medical equipment, insurance AR gap, expansion
Technology and Startups
Working capital, equipment, staff expansion
HVAC and Home Services
Equipment, fleet, summer peak-season capital
Retail
Inventory, peak-season capital, marketing
Arizona Cities We Fund
PhoenixTucsonMesaChandlerScottsdaleTempeGilbertGlendalePeoriaSurpriseAvondaleGoodyearFlagstaffYuma
Frequently Asked Questions
- How do I get a merchant cash advance in Arizona?
- Apply online at T.A.G. in under 10 minutes. Submit 3–6 months of Arizona business bank statements. Receive an offer within hours. Sign electronically. Funds arrive in your AZ bank account in 24–72 hours. Requirements: 500+ FICO, $10,000+/month revenue, 6+ months in business, active AZ business bank account, no open bankruptcy.
- Are merchant cash advances legal in Arizona?
- Yes — MCAs are legal in Arizona. AZ has no specific MCA disclosure laws as of 2026. MCAs are classified as purchase agreements for future receivables — not subject to Arizona usury laws. Arizona's fast-growing Phoenix metro, construction sector, and tech businesses use MCAs widely for equipment, working capital, and expansion.
MCA for Arizona Businesses — Economy Overview
Arizona's $430 billion economy is one of the fastest-growing in the Sun Belt. Phoenix metro is the fifth-largest US metro, anchored by semiconductor manufacturing (TSMC, Intel), real estate, hospitality, and healthcare. Construction leads growth metrics year over year. Arizona has no specific MCA disclosure laws as of 2026.
How Much Can a Arizona Business Get?
MCA advances are typically 75–150% of your average monthly gross deposits. A Phoenix contractor with $95,000/month qualifies for $71,250–$142,500. A Scottsdale restaurant with $65,000/month qualifies for $48,750–$97,500. A Tucson healthcare practice with $78,000/month qualifies for $58,500–$117,000.
- Construction and Contractors
- $95K/mo → $71,250–$142,500. Phoenix metro growth drives constant project demand.
- Restaurants and Hospitality
- $65K/mo → $48,750–$97,500. Scottsdale resort corridor, Phoenix sports venues.
- Healthcare
- $78K/mo → $58,500–$117,000. Dense urgent care and specialty practice market.
- Retail and eCommerce
- $55K/mo → $41,250–$82,500. Seasonal snowbird influx boosts Q1 retail.
- Tech and Professional Services
- $85K/mo → $63,750–$127,500. Phoenix semiconductor supply chain companies.
- What Arizona businesses qualify for an MCA?
- Contractors, restaurants, healthcare practices, retail shops, tech companies, and hospitality businesses. Requirements: 500+ FICO, $10,000+/month gross revenue, 6+ months in business, active AZ bank account, no open bankruptcy. Phoenix, Tucson, Scottsdale, Mesa, Chandler, Glendale, and all Arizona cities qualify.
- How much can an Arizona business get from an MCA?
- Typically 75–150% of monthly gross revenue. A Phoenix contractor with $95,000/month can access $71,250–$142,500. A Scottsdale hospitality business with $65,000/month can access $48,750–$97,500. Maximum is $1,000,000.
- Does Arizona regulate merchant cash advances?
- Arizona has no specific MCA disclosure laws as of 2026. MCAs are purchase agreements for future receivables — not subject to Arizona usury statutes that govern traditional loans. Always request written disclosure of all advance terms.