MCA Qualification Requirements — Georgia
500+
Personal FICO Score
$10,000+
Monthly Revenue
6 months
Min Time in Business
Active GA
Business Bank Account
No open
Bankruptcy
GA SB 90
Disclosure Compliant
Georgia Industries T.A.G. Funds
Restaurants and Hospitality
Equipment, remodel, payroll, seasonal capital
Construction and Contractors
Materials, payroll, equipment, mobilization
Trucking and Logistics
Truck acquisition, fuel, freight receivables
Healthcare and Dental
Equipment, insurance AR gap, expansion
Retail
Inventory, marketing, seasonal capital
HVAC and Home Services
Equipment, fleet, seasonal working capital
Georgia Cities We Fund
Atlanta
Augusta
Columbus
Macon
Savannah
Athens
Sandy Springs
Roswell
Albany
Warner Robins
Alpharetta
Marietta
Smyrna
Valdosta
Dunwoody
Frequently Asked Questions
- How do I get a merchant cash advance in Georgia?
- Apply online at T.A.G. in under 10 minutes. Submit 3–6 months of Georgia business bank statements. Receive a GA SB 90-compliant offer. Sign electronically. Funds arrive in your Georgia bank account in 24–72 hours. Requirements: 500+ FICO, $10,000+/month revenue, 6+ months in business, active GA business bank account, no open bankruptcy.
- Are merchant cash advances legal in Georgia?
- Yes — MCAs are legal in Georgia. Georgia SB 90 (signed May 2023, effective January 1, 2024) requires commercial financing providers to give written disclosures to Georgia businesses before consummating a transaction -- Georgia's law does not add a separate registration requirement. MCAs are classified as purchase agreements for future receivables (not loans) and are not subject to Georgia usury laws. T.A.G. complies with all Georgia SB 90 disclosure requirements.
MCA for Georgia Businesses — Economy Overview
Georgia's $780 billion economy is anchored by Atlanta — the Southeast's dominant business hub — plus a sprawling film and entertainment industry, logistics infrastructure (Hartsfield-Jackson is the world's busiest airport), and growing manufacturing in Savannah. Georgia SB 90 commercial financing disclosure law is in effect as of January 1, 2024.
How Much Can a Georgia Business Get?
MCA advances are typically 75–150% of your average monthly gross deposits. A Virginia-Highland restaurant with $58,000/month qualifies for $43,500–$87,000. A Buckhead professional services firm with $80,000/month qualifies for $60,000–$120,000. A Savannah logistics company with $90,000/month qualifies for $67,500–$135,000.
- Restaurants and Entertainment
- $58K/mo → $43,500–$87,000. Atlanta Beltline corridor, Savannah tourism.
- Film and Creative Services
- $70K/mo → $52,500–$105,000. Georgia's tax incentive drives $4B+ in production annually.
- Logistics and Distribution
- $90K/mo → $67,500–$135,000. Hartsfield-Jackson cargo and Savannah port.
- Healthcare
- $75K/mo → $56,250–$112,500. Atlanta medical corridor.
- Construction
- $85K/mo → $63,750–$127,500. Metro Atlanta residential and commercial boom.
- What Georgia businesses qualify for an MCA?
- Restaurants, contractors, retailers, healthcare practices, manufacturers, hospitality companies, and most revenue-generating small businesses qualify. Requirements across all Georgia cities: 500+ personal FICO, $10,000+/month in gross revenue, 6+ months in business, an active GA business bank account, and no open bankruptcy. Atlanta, Augusta, Columbus, Macon, Savannah, Athens, Sandy Springs, Roswell, Albany, Warner Robins — and all Georgia cities — qualify.
- How much can a Georgia business get from an MCA?
- Typically 75–150% of your average monthly gross deposits. A Virginia-Highland restaurant with $58,000/month qualifies for $43,500–$87,000. A Buckhead professional services firm with $80,000/month qualifies for $60,000–$120,000. A Savannah logistics company with $90,000/month qualifies for $67,500–$135,000. The maximum advance is $1,000,000 for high-revenue businesses. Apply at T.A.G. in under 10 minutes — decisions in hours.
- Does Georgia regulate merchant cash advances?
- As of July 2026, Georgia SB 90 commercial financing disclosure law, effective January 1, 2024 applies. This requires MCA providers to disclose the advance amount, total repayment amount, APR equivalent, payment schedule, and prepayment terms in writing before funding.