MCA Qualification Requirements — Indiana
500+
Personal FICO Score
$10,000+
Monthly Revenue
6 months
Min Time in Business
Active IN
Business Bank Account
No open
Bankruptcy
3–6 months
Bank Statements
Indiana Industries T.A.G. Funds
Manufacturing and Automotive Supply
Equipment, raw materials, receivables bridge
Logistics and Warehousing
Fleet, fuel, freight receivables, working capital
Construction and Contractors
Materials, payroll, equipment, mobilization
Healthcare — Private Practice
Medical equipment, insurance AR gap, expansion
Restaurants and Food Service
Equipment, remodel, payroll, seasonal capital
Retail
Inventory, peak-season capital, marketing
Indiana Cities We Fund
IndianapolisFort WayneEvansvilleSouth BendCarmelFishersBloomingtonHammondGaryLafayetteMuncieTerre HauteKokomoNoblesville
Frequently Asked Questions
- How do I get a merchant cash advance in Indiana?
- Apply online at T.A.G. in under 10 minutes. Submit 3–6 months of Indiana business bank statements. Receive an offer within hours. Sign electronically. Funds arrive in your IN bank account in 24–72 hours. Requirements: 500+ FICO, $10,000+/month revenue, 6+ months in business, active IN business bank account, no open bankruptcy.
- Are merchant cash advances legal in Indiana?
- Yes — MCAs are legal in Indiana. IN has no specific MCA disclosure laws as of 2026. MCAs are classified as purchase agreements for future receivables — not subject to Indiana usury laws. Indiana's manufacturing, automotive supply, logistics, and healthcare businesses widely use MCAs for equipment and working capital needs.
MCA for Indiana Businesses — Economy Overview
Indiana's $410 billion economy ranks second in the nation for manufacturing output as a share of GDP. Indianapolis is the crossroads of eight US interstates, making it a natural logistics hub. The life sciences sector (Eli Lilly HQ) and a growing tech corridor add professional services demand. Indiana has no specific MCA disclosure laws as of 2026.
How Much Can a Indiana Business Get?
MCA advances are typically 75–150% of your average monthly gross deposits. An Indianapolis manufacturer with $100,000/month qualifies for $75,000–$150,000. A Fort Wayne logistics firm with $88,000/month qualifies for $66,000–$132,000. An Indianapolis restaurant with $55,000/month qualifies for $41,250–$82,500.
- Manufacturing
- $100K/mo → $75,000–$150,000. Steel, auto parts, pharmaceutical manufacturing.
- Logistics and Distribution
- $88K/mo → $66,000–$132,000. Indianapolis interstate crossroads.
- Restaurants
- $55K/mo → $41,250–$82,500. Indianapolis Mass Ave corridor, Fort Wayne dining.
- Healthcare and Life Sciences
- $75K/mo → $56,250–$112,500. Indianapolis life sciences cluster.
- Construction
- $82K/mo → $61,500–$123,000. Indiana infrastructure and residential development.
- What Indiana businesses qualify for an MCA?
- Manufacturers, logistics companies, restaurants, healthcare and life sciences firms, construction contractors, and retail shops. Requirements: 500+ FICO, $10,000+/month gross revenue, 6+ months in business, active IN bank account, no open bankruptcy. Indianapolis, Fort Wayne, Evansville, South Bend, Carmel, and all Indiana cities qualify.
- How much can an Indiana business get from an MCA?
- Typically 75–150% of monthly gross revenue. An Indianapolis manufacturer with $100,000/month can access $75,000–$150,000. A Fort Wayne logistics firm with $88,000/month can access $66,000–$132,000. Maximum is $1,000,000.
- Does Indiana regulate merchant cash advances?
- Indiana has no specific MCA disclosure laws as of 2026. MCAs are structured as purchase agreements for future receivables, not subject to Indiana traditional lending statutes. Always request full written disclosure of advance terms from any provider.