Quick Answer

Apply online at T.A.G. in 10 minutes, submit 6 consecutive months of Arizona business bank statements, sign electronically once you receive an offer, and funding timing is set by the funding provider after review. Requirements: 500+ personal FICO, $4,000 to $6,000+/month in business revenue, 6+ months in business, active Arizona business bank account, no open bankruptcy.

Merchant Cash Advance: Arizona

Merchant Cash Advance Arizona:
Fast Working Capital for AZ Businesses

T.A.G. funds Arizona small businesses from $10,000 to $5,000,000, with funding timing set by the funding provider after review. No collateral. Phoenix, Tucson, Mesa, Chandler, Scottsdale, Tempe, and every Arizona city.

500+
Min FICO
Provider-Set
Funding timing
$10K to $5M
Advance range
No collateral
No asset pledge

MCA Qualification Requirements: Arizona

500+
Personal FICO Score
$4K to $6K+
Monthly Revenue
6 months
Min Time in Business
Active AZ
Business Bank Account
No open
Bankruptcy
6 months
Bank Statements
A single family house under construction with scaffolding, exposed sheathing and roof tiles stacked on the roof
An Arizona builder often has materials and a crew committed to a house well before the final draw is paid.

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 6 consecutive months of Arizona business bank statements. Sign electronically once you receive an offer. Funding timing is set by the funding provider after review. Requirements: 500+ FICO, $4,000 to $6,000+/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.
A technician holding a torch light and leaning over an outdoor air conditioning condenser beside a house
An HVAC crew's summer service calls do not change what a slow winter month costs to keep the business running, which a review reads across six real months.

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 an Arizona Business Get?

MCA advances are typically 75 to 150% of your average monthly gross deposits. A Phoenix contractor with $95,000/month qualifies for $71,250 to $142,500. A Scottsdale restaurant with $65,000/month qualifies for $48,750 to $97,500. A Tucson healthcare practice with $78,000/month qualifies for $58,500 to $117,000.

Advance range formula applied to three Arizona business examples A Phoenix contractor with $95,000 per month in deposits qualifies for $71,250 to $142,500. A Scottsdale restaurant with $65,000 per month in deposits qualifies for $48,750 to $97,500. A Tucson healthcare practice with $78,000 per month in deposits qualifies for $58,500 to $117,000, each at 75 to 150 percent of monthly deposits. Phoenix contractor $95,000/mo deposits × 75% to 150% → $71,250 to $142,500 Scottsdale restaurant $65,000/mo deposits × 75% to 150% → $48,750 to $97,500 Tucson healthcare practice $78,000/mo deposits × 75% to 150% → $58,500 to $117,000
The same 75% to 150% of monthly-deposits formula applied to three real Arizona business types.
Construction and Contractors
$95K/mo → $71,250 to $142,500. Phoenix metro growth drives constant project demand.
Restaurants and Hospitality
$65K/mo → $48,750 to $97,500. Scottsdale resort corridor, Phoenix sports venues.
Healthcare
$78K/mo → $58,500 to $117,000. Dense urgent care and specialty practice market.
Retail and eCommerce
$55K/mo → $41,250 to $82,500. Seasonal snowbird influx boosts Q1 retail.
Tech and Professional Services
$85K/mo → $63,750 to $127,500. Phoenix semiconductor supply chain companies.
Illustrative MCA advance ranges by Arizona industry Construction and Contractors: $71,250 to $142,500. Restaurants and Hospitality: $48,750 to $97,500. Healthcare: $58,500 to $117,000. Retail and eCommerce: $41,250 to $82,500. Tech and Professional Services: $63,750 to $127,500. Construction and Contractors $71,250 to $142,500 Restaurants and Hospitality $48,750 to $97,500 Healthcare $58,500 to $117,000 Retail and eCommerce $41,250 to $82,500 Tech and Professional Services $63,750 to $127,500
Illustrative advance ranges by Arizona industry, based on the 75% to 150% of average monthly gross deposits formula above.
What Arizona businesses qualify for an MCA?
Contractors, restaurants, healthcare practices, retail shops, tech companies, and hospitality businesses. Requirements: 500+ FICO, $4,000 to $6,000+/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 to 150% of monthly gross revenue. A Phoenix contractor with $95,000/month can access $71,250 to $142,500. A Scottsdale hospitality business with $65,000/month can access $48,750 to $97,500. Maximum is $5,000,000.
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.

Apply for MCA Funding in Arizona

500+ FICO · $4,000 to $6,000+/month revenue · No collateral · Funding timing set by the funding provider

Apply Now →

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