Quick Answer

Apply online at T.A.G. in under 10 minutes. Submit 6 consecutive months of Oregon 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 OR business bank account, no open bankruptcy.

Merchant Cash Advance: Oregon

Merchant Cash Advance Oregon:
Fast Working Capital for OR Businesses

T.A.G. funds Oregon small businesses from $10,000 to $5,000,000, with funding timing set by the funding provider after review. No collateral. Portland, Eugene, Salem, Bend, Medford, and every Oregon city.

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

MCA Qualification Requirements: Oregon

500+
Personal FICO Score
$4K to $6K+
Monthly Revenue
6 months
Min Time in Business
Active OR
Business Bank Account
No open
Bankruptcy
6 months
Bank Statements
A shopkeeper in an apron handing a leek across the counter to a customer, with a card terminal beside the till
An Oregon grocer's daily card and cash sales, not a single strong week, are what a funding review actually reads.

Oregon Industries T.A.G. Funds

Technology and Software
Product dev, hiring, equipment, office expansion
Restaurants and Food Service
Equipment, remodel, payroll, seasonal capital
Outdoor Recreation and Tourism
Equipment, vehicle fleet, seasonal inventory
Construction and Contractors
Materials, payroll, equipment, bonding
Agriculture and Food Production
Equipment, harvest capital, cold storage
Healthcare: Private Practice
Medical equipment, insurance AR gap, expansion

Oregon Cities We Fund

PortlandEugeneSalemBendMedfordGreshamHillsboroBeavertonCorvallisSpringfieldAlbanyLake OswegoTigardAshland
A man in a work jacket lifting cardboard boxes into the back of a small delivery van outside a commercial building
Deliveries still have to go out during a slow stretch, the kind of gap working capital is meant to bridge.

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 6 consecutive months of Oregon 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 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 and are 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 an Oregon Business Get?

MCA advances are typically 75 to 150% of your average monthly gross deposits. A Portland restaurant with $62,000/month qualifies for $46,500 to $93,000. A Beaverton tech firm with $85,000/month qualifies for $63,750 to $127,500. A Eugene contractor with $75,000/month qualifies for $56,250 to $112,500.

Advance range formula applied to three Oregon business examples A Portland restaurant with $62,000 per month in deposits qualifies for $46,500 to $93,000. A Beaverton tech firm with $85,000 per month in deposits qualifies for $63,750 to $127,500. A Eugene contractor with $75,000 per month in deposits qualifies for $56,250 to $112,500, each at 75 to 150 percent of monthly deposits. Portland restaurant $62,000/mo deposits × 75% to 150% → $46,500 to $93,000 Beaverton tech firm $85,000/mo deposits × 75% to 150% → $63,750 to $127,500 Eugene contractor $75,000/mo deposits × 75% to 150% → $56,250 to $112,500
The same 75% to 150% of monthly-deposits formula applied to three real Oregon business types.
Technology
$85K/mo → $63,750 to $127,500. Intel, Nike, and Silicon Forest supplier chain.
Restaurants and Craft Beverage
$62K/mo → $46,500 to $93,000. Portland food scene, Willamette Valley wineries.
Timber and Manufacturing
$80K/mo → $60,000 to $120,000. Oregon timber and wood products.
Healthcare
$70K/mo → $52,500 to $105,000. Portland and Eugene independent practices.
Construction
$75K/mo → $56,250 to $112,500. Portland metro development.
Illustrative MCA advance ranges by Oregon industry Technology: $63,750 to $127,500. Restaurants & Craft Beverage: $46,500 to $93,000. Timber & Manufacturing: $60,000 to $120,000. Healthcare: $52,500 to $105,000. Construction: $56,250 to $112,500. Technology $63,750 to $127,500 Restaurants & Craft Beverage $46,500 to $93,000 Timber & Manufacturing $60,000 to $120,000 Healthcare $52,500 to $105,000 Construction $56,250 to $112,500
Illustrative advance ranges by Oregon industry, based on the 75% to 150% of average monthly gross deposits formula above.
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, $4,000 to $6,000+/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 an Oregon business get from an MCA?
Typically 75 to 150% of your average monthly gross deposits. A Portland restaurant with $62,000/month qualifies for $46,500 to $93,000. A Beaverton tech firm with $85,000/month qualifies for $63,750 to $127,500. A Eugene contractor with $75,000/month qualifies for $56,250 to $112,500. The maximum advance is $5,000,000 for high-revenue businesses. The application takes about ten minutes; the funding provider decides after it reviews your file.
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.

Apply for MCA Funding in Oregon

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

Apply Now →

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