Quick Answer

Apply online at T.A.G. in 10 minutes, submit 6 consecutive months of South Carolina 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 SC business bank account, no open bankruptcy.

Merchant Cash Advance: South Carolina

Merchant Cash Advance South Carolina:
Fast Working Capital for SC Businesses

T.A.G. funds South Carolina small businesses from $10,000 to $5,000,000, with funding timing set by the funding provider after review. No collateral. Columbia, Charleston, Greenville, Spartanburg, and every South Carolina city.

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

MCA Qualification Requirements: South Carolina

500+
Personal FICO Score
$4K to $6K+
Monthly Revenue
6 months
Min Time in Business
Active SC
Business Bank Account
No open
Bankruptcy
6 months
Bank Statements
A worker finishing furniture in a workshop
A South Carolina furniture shop still buys material for the next piece before that invoice is paid, a timing gap a review reads across six real months.

South Carolina Industries T.A.G. Funds

Hospitality and Tourism
Equipment, remodel, payroll, beach-season capital
Manufacturing
Equipment, raw materials, receivables bridge
Construction and Contractors
Materials, payroll, equipment, mobilization
Restaurants and Food Service
Equipment, remodel, payroll, seasonal capital
Healthcare: Private Practice
Medical equipment, insurance AR gap, expansion
Retail
Inventory, peak-season capital, marketing

South Carolina Cities We Fund

ColumbiaCharlestonNorth CharlestonGreenvilleSpartanburgRock HillMyrtle BeachSumterAndersonFlorenceHilton HeadGoose Creek

Frequently Asked Questions

How do I get a merchant cash advance in South Carolina?
Apply online at T.A.G. in under 10 minutes. Submit 6 consecutive months of SC 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 SC business bank account, no open bankruptcy.
Are merchant cash advances legal in South Carolina?
Yes: MCAs are legal in South Carolina. SC has no specific MCA disclosure laws as of 2026. MCAs are classified as purchase agreements for future receivables, not subject to South Carolina usury laws. SC's coastal hospitality businesses, Upstate manufacturing sector, and construction industry widely use MCAs for working capital needs.
Two workers at the open back of a loaded delivery van, one signing a clipboard while the other holds a cardboard carton
A delivery still has to be checked in and shelved the same day a business is waiting on a funding decision.

MCA for South Carolina Businesses: Economy Overview

South Carolina's $280 billion economy is powered by automotive and aerospace manufacturing (BMW, Boeing, Volvo), a booming coastal tourism sector, and a growing logistics hub centered on the Port of Charleston, now the fastest-growing container port on the East Coast. Greenville and Columbia anchor inland manufacturing and professional services. South Carolina has no specific MCA disclosure laws as of 2026.

How Much Can a South Carolina Business Get?

MCA advances are typically 75 to 150% of your average monthly gross deposits. A Charleston restaurant with $55,000/month qualifies for $41,250 to $82,500. A Greenville manufacturer with $90,000/month qualifies for $67,500 to $135,000. A Columbia healthcare practice with $70,000/month qualifies for $52,500 to $105,000.

Advance range formula applied to three South Carolina business examples A Charleston restaurant with $55,000 per month in deposits qualifies for $41,250 to $82,500. A Greenville manufacturer with $90,000 per month in deposits qualifies for $67,500 to $135,000. A Columbia healthcare practice with $70,000 per month in deposits qualifies for $52,500 to $105,000, each at 75 to 150 percent of monthly deposits. Charleston restaurant $55,000/mo deposits × 75% to 150% → $41,250 to $82,500 Greenville manufacturer $90,000/mo deposits × 75% to 150% → $67,500 to $135,000 Columbia healthcare practice $70,000/mo deposits × 75% to 150% → $52,500 to $105,000
The same 75% to 150% of monthly-deposits formula applied to three real South Carolina business types.
Automotive and Manufacturing
$90K/mo → $67,500 to $135,000. BMW, Volvo, Boeing supply chain.
Hospitality and Tourism
$55K/mo → $41,250 to $82,500. Charleston, Hilton Head, Myrtle Beach.
Healthcare
$70K/mo → $52,500 to $105,000. Columbia and Greenville independent practices.
Construction
$80K/mo → $60,000 to $120,000. Coastal development and inland growth.
Logistics
$85K/mo → $63,750 to $127,500. Port of Charleston corridor.
Illustrative MCA advance ranges by South Carolina industry Automotive and Manufacturing: $67,500 to $135,000. Hospitality and Tourism: $41,250 to $82,500. Healthcare: $52,500 to $105,000. Construction: $60,000 to $120,000. Logistics: $63,750 to $127,500. Automotive and Manufacturing $67,500 to $135,000 Hospitality and Tourism $41,250 to $82,500 Healthcare $52,500 to $105,000 Construction $60,000 to $120,000 Logistics $63,750 to $127,500
Illustrative advance ranges by South Carolina industry, based on the 75% to 150% of average monthly gross deposits formula above.
What South Carolina businesses qualify for an MCA?
Restaurants, contractors, retailers, healthcare practices, manufacturers, hospitality companies, and most revenue-generating small businesses qualify. Requirements across all South Carolina cities: 500+ personal FICO, $4,000 to $6,000+/month in gross revenue, 6+ months in business, an active SC business bank account, and no open bankruptcy. Columbia, Charleston, Greenville, Rock Hill, Mount Pleasant, North Charleston, Spartanburg, Myrtle Beach, and all South Carolina cities qualify.
How much can a South Carolina business get from an MCA?
Typically 75 to 150% of your average monthly gross deposits. A Charleston restaurant with $55,000/month qualifies for $41,250 to $82,500. A Greenville manufacturer with $90,000/month qualifies for $67,500 to $135,000. A Columbia healthcare practice with $70,000/month qualifies for $52,500 to $105,000. 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 South Carolina 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 South Carolina

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

Apply Now →

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