MCA Qualification Requirements — Maryland
500+
Personal FICO Score
$10,000+
Monthly Revenue
6 months
Min Time in Business
Active MD
Business Bank Account
No open
Bankruptcy
3–6 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 3–6 months of Maryland business bank statements. Receive an offer within hours. Sign electronically. Funds arrive in your MD bank account in 24–72 hours. Requirements: 500+ FICO, $10,000+/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 60–90 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 75–150% of your average monthly gross deposits. A Baltimore federal contractor with $90,000/month qualifies for $67,500–$135,000. A Bethesda healthcare practice with $80,000/month qualifies for $60,000–$120,000. A Baltimore restaurant with $58,000/month qualifies for $43,500–$87,000.
- Federal Contractors and Professional Services
- $90K/mo → $67,500–$135,000. Bridge between contract award and first payment.
- Healthcare and Biotech
- $80K/mo → $60,000–$120,000. NIH-adjacent medical and research businesses.
- Restaurants
- $58K/mo → $43,500–$87,000. Baltimore Inner Harbor, Annapolis waterfront, DC suburbs.
- Construction
- $95K/mo → $71,250–$142,500. Montgomery County and Prince George's development.
- Retail
- $52K/mo → $39,000–$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, $10,000+/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 75–150% of monthly gross revenue. A Baltimore contractor with $95,000/month can access $71,250–$142,500. A Bethesda medical practice with $80,000/month can access $60,000–$120,000. Maximum is $1,000,000.
- 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.