Quick Answer

Apply online at T.A.G. in under 10 minutes. Submit 6 consecutive months of Louisiana business bank statements. Sign electronically once you receive an offer. 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 LA business bank account, no open bankruptcy.

Merchant Cash Advance: Louisiana

Merchant Cash Advance Louisiana:
Fast Working Capital for LA Businesses

T.A.G. funds Louisiana small businesses from $10,000 to $5,000,000, with funding timing set by the funding provider after review. No collateral. New Orleans, Baton Rouge, Shreveport, Lafayette, Metairie, and every Louisiana city.

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

MCA Qualification Requirements: Louisiana

500+
Personal FICO Score
$4K to $6K+
Monthly Revenue
6 months
Min Time in Business
Active LA
Business Bank Account
No open
Bankruptcy
6 months
Bank Statements
Packed shelves of packaged food and drinks in a small independent grocery store
A Louisiana grocer's shelves still get stocked the same way through a slow month as during a festival weekend.

Louisiana Industries T.A.G. Funds

Hospitality and Entertainment
Mardi Gras season capital, remodel, payroll
Oil, Gas and Energy Services
Equipment, crew payroll, receivables bridge
Restaurants and Food Service
Equipment, remodel, culinary supplies, staffing
Construction and Marine
Materials, equipment, payroll, mobilization
Healthcare: Private Practice
Medical equipment, insurance AR gap, expansion
Agriculture and Aquaculture
Crawfish, shrimp, and rice seasonal harvest capital

Louisiana Cities We Fund

New OrleansBaton RougeShreveportLafayetteMetairieLake CharlesKennerBossier CityMonroeAlexandriaHoumaNew IberiaSlidellRuston
A customer taking an order at the service window of a street food truck at night
A food truck's night service still has to cover rent and payroll the same way a slow week does, which is why a review reads six real months.

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 6 consecutive months of Louisiana 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 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 to 150% of your average monthly gross deposits. A New Orleans restaurant with $65,000/month qualifies for $48,750 to $97,500. A Baton Rouge energy services firm with $90,000/month qualifies for $67,500 to $135,000. A Shreveport contractor with $75,000/month qualifies for $56,250 to $112,500.

Advance range formula applied to three Louisiana business examples A New Orleans restaurant with $65,000 per month in deposits qualifies for $48,750 to $97,500. A Baton Rouge energy services firm with $90,000 per month in deposits qualifies for $67,500 to $135,000. A Shreveport contractor with $75,000 per month in deposits qualifies for $56,250 to $112,500, each at 75 to 150 percent of monthly deposits. New Orleans restaurant $65,000/mo deposits × 75% to 150% → $48,750 to $97,500 Baton Rouge energy services firm $90,000/mo deposits × 75% to 150% → $67,500 to $135,000 Shreveport contractor $75,000/mo deposits × 75% to 150% → $56,250 to $112,500
The same 75% to 150% of monthly-deposits formula applied to three real Louisiana business types.
Energy and Petrochemicals
$90K/mo → $67,500 to $135,000. Oil and gas services, refinery suppliers.
Restaurants and Hospitality
$65K/mo → $48,750 to $97,500. New Orleans is one of the top restaurant markets in the US.
Maritime and Port Services
$85K/mo → $63,750 to $127,500. Port of South Louisiana logistics companies.
Healthcare
$72K/mo → $54,000 to $108,000. Baton Rouge and New Orleans practices.
Construction
$75K/mo → $56,250 to $112,500. Gulf Coast development and infrastructure.
Illustrative MCA advance ranges by Louisiana industry Energy and Petrochemicals: $67,500 to $135,000. Restaurants and Hospitality: $48,750 to $97,500. Maritime and Port Services: $63,750 to $127,500. Healthcare: $54,000 to $108,000. Construction: $56,250 to $112,500. Energy and Petrochemicals $67,500 to $135,000 Restaurants and Hospitality $48,750 to $97,500 Maritime and Port Services $63,750 to $127,500 Healthcare $54,000 to $108,000 Construction $56,250 to $112,500
Illustrative advance ranges by Louisiana industry, based on the 75% to 150% of average monthly gross deposits formula above.
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, $4,000 to $6,000+/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 to 150% of your average monthly gross deposits. A New Orleans restaurant with $65,000/month qualifies for $48,750 to $97,500. A Baton Rouge energy services firm with $90,000/month qualifies for $67,500 to $135,000. A Shreveport contractor with $75,000/month qualifies for $56,250 to $112,500. 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 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.

Apply for MCA Funding in Louisiana

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

Apply Now →

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