Quick Answer

To get a merchant cash advance in Georgia: apply online at T.A.G. in 10 minutes, submit 6 consecutive months of Georgia business bank statements, sign the agreement electronically once you receive an offer, and funding timing is set by the funding provider after review.

Merchant Cash Advance: Georgia

Merchant Cash Advance Georgia:
Fast Working Capital for GA Businesses

T.A.G. funds Georgia small businesses from $10,000 to $5,000,000, with funding timing set by the funding provider after review. No collateral. No equity. Atlanta, Augusta, Columbus, Savannah, Macon, and every Georgia city.

500+
Min FICO
Provider-Set
Funding timing
$10K to $5M
Advance range
GA SB 90
Compliant

MCA Qualification Requirements: Georgia

500+
Personal FICO Score
$4K to $6K+
Monthly Revenue
6 months
Min Time in Business
Active GA
Business Bank Account
No open
Bankruptcy
GA SB 90
Disclosure Compliant
A corner shop building under live oaks draped in Spanish moss on a downtown Savannah street, with cars parked along the kerb
A Georgia storefront's daily receipts through a normal season, not one tourist weekend, are what a funding review actually reads.

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 6 consecutive months of Georgia business bank statements. Receive a GA SB 90-compliant offer. Sign electronically once you receive it. 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 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.
An electrician in protective gear checking a large commercial switchboard panel indoors
An electrical contractor's labor and parts often go out before a commercial job is billed, a gap a review reads across six real months.

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 to 150% of your average monthly gross deposits. A Virginia-Highland restaurant with $58,000/month qualifies for $43,500 to $87,000. A Buckhead professional services firm with $80,000/month qualifies for $60,000 to $120,000. A Savannah logistics company with $90,000/month qualifies for $67,500 to $135,000.

Advance range formula applied to three Georgia business examples A Virginia-Highland restaurant with $58,000 per month in deposits qualifies for $43,500 to $87,000. A Buckhead professional services firm with $80,000 per month in deposits qualifies for $60,000 to $120,000. A Savannah logistics company with $90,000 per month in deposits qualifies for $67,500 to $135,000, each at 75 to 150 percent of monthly deposits. Virginia-Highland restaurant $58,000/mo deposits × 75% to 150% → $43,500 to $87,000 Buckhead professional services firm $80,000/mo deposits × 75% to 150% → $60,000 to $120,000 Savannah logistics company $90,000/mo deposits × 75% to 150% → $67,500 to $135,000
The same 75% to 150% of monthly-deposits formula applied to three real Georgia business types.
Restaurants and Entertainment
$58K/mo → $43,500 to $87,000. Atlanta Beltline corridor, Savannah tourism.
Film and Creative Services
$70K/mo → $52,500 to $105,000. Georgia's tax incentive drives $4B+ in production annually.
Logistics and Distribution
$90K/mo → $67,500 to $135,000. Hartsfield-Jackson cargo and Savannah port.
Healthcare
$75K/mo → $56,250 to $112,500. Atlanta medical corridor.
Construction
$85K/mo → $63,750 to $127,500. Metro Atlanta residential and commercial boom.
Illustrative MCA advance ranges by Georgia industry Restaurants & Entertainment: $43,500 to $87,000. Film & Creative Services: $52,500 to $105,000. Logistics & Distribution: $67,500 to $135,000. Healthcare: $56,250 to $112,500. Construction: $63,750 to $127,500. Restaurants & Entertainment $43,500 to $87,000 Film & Creative Services $52,500 to $105,000 Logistics & Distribution $67,500 to $135,000 Healthcare $56,250 to $112,500 Construction $63,750 to $127,500
Illustrative advance ranges by Georgia industry, based on the 75% to 150% of average monthly gross deposits formula above.
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, $4,000 to $6,000+/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 to 150% of your average monthly gross deposits. A Virginia-Highland restaurant with $58,000/month qualifies for $43,500 to $87,000. A Buckhead professional services firm with $80,000/month qualifies for $60,000 to $120,000. A Savannah logistics company with $90,000/month qualifies for $67,500 to $135,000. The maximum advance is $5,000,000 for high-revenue businesses. The application takes about ten minutes; the funding provider decides after it reviews your file.
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.

Apply for MCA Funding in Georgia

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

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