MCA Qualification Requirements — Ohio
Ohio Industries T.A.G. Funds
Ohio Cities We Fund
Frequently Asked Questions
- How do I get a merchant cash advance in Ohio?
- Apply online at T.A.G. in under 10 minutes. Submit 3–6 months of Ohio business bank statements. Receive an offer within hours. Sign electronically. Funds arrive in your Ohio bank account in 24–72 hours. Requirements: 500+ FICO, $10,000+/month revenue, 6+ months in business, active OH bank account, no open bankruptcy.
- Are merchant cash advances legal in Ohio?
- Yes — MCAs are legal in Ohio. Ohio has no specific MCA disclosure laws as of 2026. MCAs are classified as purchase agreements for future receivables — not subject to Ohio usury laws. Ohio's manufacturing, healthcare, and construction businesses widely use MCAs for equipment and working capital needs.
MCA for Ohio Businesses — Economy Overview
Ohio's $830 billion economy is the seventh-largest in the United States. Columbus is one of the fastest-growing mid-size cities in the country; Cleveland anchors a major healthcare corridor (Cleveland Clinic, University Hospitals); Cincinnati hosts a large consumer goods and manufacturing cluster (P&G, Kroger). Chagrin Falls, home of T.A.G. Business Funding, sits in the Northeastern Ohio corridor where manufacturing, professional services, and small business density are all well above national averages. Ohio has no specific MCA disclosure laws as of 2026.
How Much Can a Ohio Business Get?
MCA advances are typically 75–150% of your average monthly gross deposits. A Columbus manufacturer with $100,000/month qualifies for $75,000–$150,000. A Cleveland healthcare practice with $80,000/month qualifies for $60,000–$120,000. A Cincinnati restaurant with $62,000/month qualifies for $46,500–$93,000.
- Manufacturing
- $100K/mo → $75,000–$150,000. Ohio leads the Midwest in manufacturing output.
- Healthcare
- $80K/mo → $60,000–$120,000. Cleveland Clinic ecosystem, Columbus and Cincinnati practices.
- Restaurants
- $62K/mo → $46,500–$93,000. Columbus Short North, Cleveland West Side Market, Cincinnati OTR.
- Construction
- $90K/mo → $67,500–$135,000. Columbus and Cleveland development boom.
- Logistics and Distribution
- $95K/mo → $71,250–$142,500. I-70/I-71 corridor.
- What Ohio businesses qualify for an MCA?
- Manufacturers, healthcare practices, restaurants, construction firms, logistics companies, and retail shops. Requirements: 500+ FICO, $10,000+/month gross revenue, 6+ months in business, active OH bank account, no open bankruptcy. Columbus, Cleveland, Cincinnati, Toledo, Akron, Dayton, and all Ohio cities — including Chagrin Falls — qualify.
- How much can an Ohio business get from an MCA?
- Typically 75–150% of monthly gross revenue. A Columbus logistics firm with $95,000/month can access $71,250–$142,500. A Cleveland healthcare practice with $80,000/month can access $60,000–$120,000. Maximum is $1,000,000.
- Does Ohio regulate merchant cash advances?
- Ohio has no specific MCA disclosure laws as of 2026. MCAs are classified as purchase agreements for future receivables, not loans. T.A.G. Business Funding is headquartered in Chagrin Falls, Ohio, and provides full written disclosure of all terms on every offer regardless of state requirement.