MCA Qualification Requirements — Oregon
Oregon Industries T.A.G. Funds
Oregon Cities We Fund
Oregon MCA Laws and Regulations (2026)
Oregon does not have specific merchant cash advance disclosure laws as of 2026. MCAs are classified as purchase agreements for future receivables — not loans — and are not subject to Oregon's consumer lending or usury statutes. Oregon business owners should review all MCA contract terms carefully, paying particular attention to factor rate, holdback rate, and reconciliation clauses.
Frequently Asked Questions
- How do I get a merchant cash advance in Oregon?
- Apply online at T.A.G. in under 10 minutes. Submit 3–6 months of Oregon business bank statements. Receive an offer within hours. Sign electronically. Funds arrive in your Oregon bank account in 24–72 hours. Requirements: 500+ FICO, $10,000+/month revenue, 6+ months in business, active OR business bank account, no open bankruptcy.
- Are merchant cash advances legal in Oregon?
- Yes — MCAs are legal in Oregon. Oregon has no specific MCA disclosure laws as of 2026. MCAs are classified as purchase agreements for future receivables — not subject to Oregon usury laws. Oregon's technology, outdoor recreation, agriculture, and restaurant industries widely use MCAs for working capital needs.
MCA for Oregon Businesses — Economy Overview
Oregon's $330 billion economy runs on technology (Intel's largest campus, Nike HQ), a world-class craft beer and wine industry, timber and food processing, and a dense Portland restaurant and creative services ecosystem. Oregon has no specific MCA disclosure laws as of 2026.
How Much Can a Oregon Business Get?
MCA advances are typically 75–150% of your average monthly gross deposits. A Portland restaurant with $62,000/month qualifies for $46,500–$93,000. A Beaverton tech firm with $85,000/month qualifies for $63,750–$127,500. A Eugene contractor with $75,000/month qualifies for $56,250–$112,500.
- Technology
- $85K/mo → $63,750–$127,500. Intel, Nike, and Silicon Forest supplier chain.
- Restaurants and Craft Beverage
- $62K/mo → $46,500–$93,000. Portland food scene, Willamette Valley wineries.
- Timber and Manufacturing
- $80K/mo → $60,000–$120,000. Oregon timber and wood products.
- Healthcare
- $70K/mo → $52,500–$105,000. Portland and Eugene independent practices.
- Construction
- $75K/mo → $56,250–$112,500. Portland metro development.
- What Oregon businesses qualify for an MCA?
- Restaurants, contractors, retailers, healthcare practices, manufacturers, hospitality companies, and most revenue-generating small businesses qualify. Requirements across all Oregon cities: 500+ personal FICO, $10,000+/month in gross revenue, 6+ months in business, an active OR business bank account, and no open bankruptcy. Portland, Salem, Eugene, Gresham, Hillsboro, Beaverton, Bend, Medford, Springfield, Corvallis — and all Oregon cities — qualify.
- How much can a Oregon business get from an MCA?
- Typically 75–150% of your average monthly gross deposits. A Portland restaurant with $62,000/month qualifies for $46,500–$93,000. A Beaverton tech firm with $85,000/month qualifies for $63,750–$127,500. A Eugene contractor with $75,000/month qualifies for $56,250–$112,500. The maximum advance is $1,000,000 for high-revenue businesses. Apply at T.A.G. in under 10 minutes — decisions in hours.
- Does Oregon regulate merchant cash advances?
- This state has no specific MCA disclosure laws as of 2026. MCAs are structured as purchase agreements for future receivables, not loans. Always request full written disclosure of advance amount, factor rate, total repayment, and holdback percentage.