MCA Qualification Requirements — Louisiana
Louisiana Industries T.A.G. Funds
Louisiana Cities We Fund
Louisiana MCA Laws and Regulations (2026)
Louisiana HB 470 (effective August 1, 2025) requires commercial financing disclosure with no dollar threshold. MCAs are classified as purchase agreements for future receivables — not loans — but are still subject to Louisiana's HB 470 disclosure requirement. Louisiana business owners in hospitality, energy services, and agriculture have distinct seasonal revenue patterns — MCA reconciliation clauses are especially important for businesses with revenue seasonality tied to Mardi Gras, hurricane season disruption, or agricultural cycles.
Frequently Asked Questions
- How do I get a merchant cash advance in Louisiana?
- Apply online at T.A.G. in under 10 minutes. Submit 3–6 months of Louisiana business bank statements. Receive an offer within hours. Sign electronically. Funds arrive in your Louisiana bank account in 24–72 hours. Requirements: 500+ FICO, $10,000+/month revenue, 6+ months in business, active LA business bank account, no open bankruptcy.
- Are merchant cash advances legal in Louisiana?
- Yes — MCAs are legal in Louisiana. LA's HB 470 requires commercial financing disclosure, effective August 2025, with no dollar threshold. MCAs are purchase agreements for future receivables — not loans — and are not subject to Louisiana's usury laws. Louisiana's hospitality, energy services, restaurants, and construction industries widely use MCAs for working capital and seasonal financing.
MCA for Louisiana Businesses — Economy Overview
Louisiana's $300 billion economy is built on energy (largest natural gas producing state east of the Mississippi), petrochemicals, a massive port complex (Port of South Louisiana is the largest port in the US by tonnage), and a world-famous restaurant and tourism sector. New Orleans is one of the most cash-intensive restaurant and hospitality markets in the country. Louisiana's HB 470 requires commercial financing disclosure, effective August 2025, with no dollar threshold.
How Much Can a Louisiana Business Get?
MCA advances are typically 75–150% of your average monthly gross deposits. A New Orleans restaurant with $65,000/month qualifies for $48,750–$97,500. A Baton Rouge energy services firm with $90,000/month qualifies for $67,500–$135,000. A Shreveport contractor with $75,000/month qualifies for $56,250–$112,500.
- Energy and Petrochemicals
- $90K/mo → $67,500–$135,000. Oil and gas services, refinery suppliers.
- Restaurants and Hospitality
- $65K/mo → $48,750–$97,500. New Orleans is one of the top restaurant markets in the US.
- Maritime and Port Services
- $85K/mo → $63,750–$127,500. Port of South Louisiana logistics companies.
- Healthcare
- $72K/mo → $54,000–$108,000. Baton Rouge and New Orleans practices.
- Construction
- $75K/mo → $56,250–$112,500. Gulf Coast development and infrastructure.
- What Louisiana businesses qualify for an MCA?
- Restaurants, contractors, retailers, healthcare practices, manufacturers, hospitality companies, and most revenue-generating small businesses qualify. Requirements across all Louisiana cities: 500+ personal FICO, $10,000+/month in gross revenue, 6+ months in business, an active LA business bank account, and no open bankruptcy. New Orleans, Baton Rouge, Shreveport, Metairie, Lafayette, Lake Charles, Kenner, Bossier City, Monroe, Alexandria — and all Louisiana cities — qualify.
- How much can a Louisiana business get from an MCA?
- Typically 75–150% of your average monthly gross deposits. A New Orleans restaurant with $65,000/month qualifies for $48,750–$97,500. A Baton Rouge energy services firm with $90,000/month qualifies for $67,500–$135,000. A Shreveport contractor with $75,000/month qualifies for $56,250–$112,500. The maximum advance is $1,000,000 for high-revenue businesses. Apply at T.A.G. in under 10 minutes — decisions in hours.
- Does Louisiana regulate merchant cash advances?
- Louisiana HB 470 requires commercial financing disclosure for MCA, effective August 2025, with no dollar threshold. MCAs are structured as purchase agreements for future receivables, not loans, but LA providers must still disclose advance amount, factor rate, total repayment, and holdback percentage in writing.