Quick Answer

Apply online at T.A.G. in 10 minutes, submit 6 consecutive months of Minnesota business bank statements, sign electronically once you receive an offer, and 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 Minnesota business bank account, no open bankruptcy.

Merchant Cash Advance: Minnesota

Merchant Cash Advance Minnesota:
Fast Working Capital for MN Businesses

T.A.G. funds Minnesota small businesses from $10,000 to $5,000,000, with funding timing set by the funding provider after review. No collateral. Minneapolis, St. Paul, Rochester, Duluth, Bloomington, and every Minnesota city.

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

MCA Qualification Requirements: Minnesota

500+
Personal FICO Score
$4K to $6K+
Monthly Revenue
6 months
Min Time in Business
Active MN
Business Bank Account
No open
Bankruptcy
6 months
Bank Statements
A baker's hands scoring rows of shaped dough loaves with a blade on a floured bench beside an oven
A Minnesota bakery's ovens run the same early schedule through a slow winter stretch as during a holiday rush.

Minnesota Industries T.A.G. Funds

Healthcare and Medical Devices
Equipment, expansion, insurance AR gap, R&D bridge
Restaurants and Food Service
Equipment, remodel, payroll, seasonal capital
Construction and Contractors
Materials, payroll, equipment, seasonal mobilization
Retail
Inventory, holiday-season capital, marketing
Agriculture and Food Processing
Equipment, working capital, seasonal bridge
Technology
Working capital, staff expansion, equipment

Minnesota Cities We Fund

MinneapolisSt. PaulRochesterDuluthBloomingtonBrooklyn ParkPlymouthSt. CloudEaganWoodburyMaple GroveBurnsvilleEden PrairieCoon Rapids

Frequently Asked Questions

How do I get a merchant cash advance in Minnesota?
Apply online at T.A.G. in under 10 minutes. Submit 6 consecutive months of Minnesota 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 MN business bank account, no open bankruptcy.
Are merchant cash advances legal in Minnesota?
Yes: MCAs are legal in Minnesota. MN has no specific MCA disclosure laws as of 2026. MCAs are classified as purchase agreements for future receivables: not subject to Minnesota usury laws. Minnesota's healthcare, medical device, food processing, and construction businesses widely use MCAs for equipment and working capital needs.
Customer tapping a bank card on a countertop payment terminal while a member of staff reaches across the bar
A bar's daily card taps, tracked across six consecutive months, are what a funding review is actually built around.

MCA for Minnesota Businesses: Economy Overview

Minnesota's $470 billion economy leads the Midwest in Fortune 500 concentration: 16 Fortune 500 headquarters including Target, UnitedHealth Group, Best Buy, and 3M are based in the Twin Cities. That corporate density creates a robust small business supplier and services ecosystem. Healthcare is the dominant sector. Minnesota has no specific MCA disclosure laws as of 2026.

How Much Can a Minnesota Business Get?

MCA advances are typically 75 to 150% of your average monthly gross deposits. A Minneapolis medical device supplier with $80,000/month qualifies for $60,000 to $120,000. A St. Paul restaurant with $60,000/month qualifies for $45,000 to $90,000. A Minneapolis manufacturer with $95,000/month qualifies for $71,250 to $142,500.

Advance range formula applied to three Minnesota business examples A Minneapolis medical device supplier with $80,000 per month in deposits qualifies for $60,000 to $120,000. A St. Paul restaurant with $60,000 per month in deposits qualifies for $45,000 to $90,000. A Minneapolis manufacturer with $95,000 per month in deposits qualifies for $71,250 to $142,500, each at 75 to 150 percent of monthly deposits. Minneapolis medical device supplier $80,000/mo deposits × 75% to 150% → $60,000 to $120,000 St. Paul restaurant $60,000/mo deposits × 75% to 150% → $45,000 to $90,000 Minneapolis manufacturer $95,000/mo deposits × 75% to 150% → $71,250 to $142,500
The same 75% to 150% of monthly-deposits formula applied to three real Minnesota business types.
Healthcare and Medical Devices
$80K/mo → $60,000 to $120,000. Twin Cities supplier and clinical services.
Restaurants
$60K/mo → $45,000 to $90,000. Minneapolis dining scene, seasonal summer burst.
Manufacturing
$95K/mo → $71,250 to $142,500. Medical devices, food processing, industrial equipment.
Retail
$55K/mo → $41,250 to $82,500. Twin Cities retail and Mall of America suppliers.
Construction
$85K/mo → $63,750 to $127,500. Twin Cities metro development.
Illustrative MCA advance ranges by Minnesota industry Healthcare & Medical Devices: $60,000 to $120,000. Restaurants: $45,000 to $90,000. Manufacturing: $71,250 to $142,500. Retail: $41,250 to $82,500. Construction: $63,750 to $127,500. Healthcare & Medical Devices $60,000 to $120,000 Restaurants $45,000 to $90,000 Manufacturing $71,250 to $142,500 Retail $41,250 to $82,500 Construction $63,750 to $127,500
Illustrative advance ranges by Minnesota industry, based on the 75% to 150% of average monthly gross deposits formula above.
What Minnesota businesses qualify for an MCA?
Healthcare and medical device companies, manufacturers, restaurants, retailers, and construction firms. Requirements: 500+ FICO, $4,000 to $6,000+/month gross revenue, 6+ months in business, active MN bank account, no open bankruptcy. Minneapolis, St. Paul, Rochester, Duluth, Bloomington, and all Minnesota cities qualify.
How much can a Minnesota business get from an MCA?
Typically 75 to 150% of monthly gross revenue. A Twin Cities medical device supplier with $80,000/month can access $60,000 to $120,000. A Minneapolis manufacturer with $95,000/month can access $71,250 to $142,500. Maximum is $5,000,000.
Does Minnesota regulate merchant cash advances?
Minnesota has no specific MCA disclosure laws as of 2026. MCAs are structured as purchase agreements for future receivables rather than loans. Always request a full written breakdown of advance amount, factor rate, total repayment, and holdback percentage before signing.

Apply for MCA Funding in Minnesota

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

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