MCA Qualification Requirements: Maryland
500+
Personal FICO Score
$4K to $6K+
Monthly Revenue
6 months
Min Time in Business
Active MD
Business Bank Account
No open
Bankruptcy
6 months
Bank Statements
Maryland Industries T.A.G. Funds
Government Contractors
Receivables bridge, payroll, contract mobilization
Healthcare and Biotech
Equipment, insurance AR gap, lab expansion
Restaurants and Food Service
Equipment, remodel, payroll, seasonal capital
Construction and Contractors
Materials, payroll, equipment, mobilization
Retail
Inventory, peak-season capital, marketing
Professional Services
Working capital, staff, technology investment
Maryland Cities We Fund
BaltimoreFrederickRockvilleGaithersburgBowieHagerstownAnnapolisCollege ParkSalisburyLaurelGreenbeltCumberlandGermantownSilver Spring
Frequently Asked Questions
- How do I get a merchant cash advance in Maryland?
- Apply online at T.A.G. in under 10 minutes. Submit 6 consecutive months of Maryland 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 MD business bank account, no open bankruptcy.
- Are merchant cash advances legal in Maryland?
- Yes: MCAs are legal in Maryland. MD has no specific MCA disclosure laws as of 2026. MCAs are classified as purchase agreements for future receivables: not subject to Maryland usury laws. Maryland's Baltimore business community, DC suburb government contractors, healthcare sector, and construction businesses widely use MCAs for working capital needs.
MCA for Maryland Businesses: Economy Overview
Maryland's $470 billion economy clusters around federal government contracting, biotech and pharmaceutical research (NIH corridor in Montgomery County), healthcare, and defense. Maryland businesses often wait 60 to 90 days on federal contract payments, making MCAs a natural fit. Maryland has no specific MCA disclosure laws as of 2026.
How Much Can a Maryland Business Get?
MCA advances are typically 75 to 150% of your average monthly gross deposits. A Baltimore federal contractor with $90,000/month qualifies for $67,500 to $135,000. A Bethesda healthcare practice with $80,000/month qualifies for $60,000 to $120,000. A Baltimore restaurant with $58,000/month qualifies for $43,500 to $87,000.
- Federal Contractors and Professional Services
- $90K/mo → $67,500 to $135,000. Bridge between contract award and first payment.
- Healthcare and Biotech
- $80K/mo → $60,000 to $120,000. NIH-adjacent medical and research businesses.
- Restaurants
- $58K/mo → $43,500 to $87,000. Baltimore Inner Harbor, Annapolis waterfront, DC suburbs.
- Construction
- $95K/mo → $71,250 to $142,500. Montgomery County and Prince George's development.
- Retail
- $52K/mo → $39,000 to $78,000. Columbia corridor and Towson retail.
- What Maryland businesses qualify for an MCA?
- Federal contractors, healthcare practices, restaurants, biotech firms, construction companies, and retail shops. Requirements: 500+ FICO, $4,000 to $6,000+/month gross revenue, 6+ months in business, active MD bank account, no open bankruptcy. Baltimore, Bethesda, Rockville, Silver Spring, Annapolis, and all Maryland cities qualify.
- How much can a Maryland business get from an MCA?
- Typically 75 to 150% of monthly gross revenue. A Baltimore contractor with $95,000/month can access $71,250 to $142,500. A Bethesda medical practice with $80,000/month can access $60,000 to $120,000. Maximum is $5,000,000.
- Does Maryland regulate merchant cash advances?
- Maryland has no specific MCA disclosure laws as of 2026. MCAs are structured as purchase agreements for future receivables rather than loans. Maryland businesses should always request written disclosure of all advance terms from any provider.