MCA Qualification Requirements — Tennessee
500+
Personal FICO Score
$10,000+
Monthly Revenue
6 months
Min Time in Business
Active TN
Business Bank Account
No open
Bankruptcy
3–6 months
Bank Statements
Tennessee Industries T.A.G. Funds
Restaurants and Hospitality
Equipment, remodel, payroll, tourism-season capital
Logistics and Distribution
Fleet, fuel, freight receivables, working capital
Construction and Contractors
Materials, payroll, equipment, mobilization
Healthcare — Private Practice
Medical equipment, insurance AR gap, expansion
Retail
Inventory, peak-season capital, marketing
Music and Entertainment
Equipment, venue, booking advances, working capital
Tennessee Cities We Fund
NashvilleMemphisKnoxvilleChattanoogaClarksvilleMurfreesboroFranklinJacksonJohnson CityKingsportHendersonvilleSmyrnaColliervilleBartlett
Frequently Asked Questions
- How do I get a merchant cash advance in Tennessee?
- Apply online at T.A.G. in under 10 minutes. Submit 3–6 months of Tennessee business bank statements. Receive an offer within hours. Sign electronically. Funds arrive in your TN bank account in 24–72 hours. Requirements: 500+ FICO, $10,000+/month revenue, 6+ months in business, active TN business bank account, no open bankruptcy.
- Are merchant cash advances legal in Tennessee?
- Yes — MCAs are legal in Tennessee. TN has no specific MCA disclosure laws as of 2026. MCAs are classified as purchase agreements for future receivables — not subject to Tennessee usury laws. Nashville's hospitality and music industry, Memphis logistics sector, and construction businesses widely use MCAs for working capital needs.
MCA for Tennessee Businesses — Economy Overview
Tennessee's $430 billion economy is anchored by Nashville's healthcare and music/entertainment industries, Memphis's logistics hub (FedEx World Headquarters), and a resurgent automotive manufacturing sector. Tennessee has no state income tax, driving business formation at above-average rates. Tennessee has no specific MCA disclosure laws as of 2026.
How Much Can a Tennessee Business Get?
MCA advances are typically 75–150% of your average monthly gross deposits. A Nashville restaurant with $62,000/month qualifies for $46,500–$93,000. A Memphis logistics firm with $95,000/month qualifies for $71,250–$142,500. A Knoxville contractor with $88,000/month qualifies for $66,000–$132,000.
- Restaurants and Entertainment
- $62K/mo → $46,500–$93,000. Nashville Broadway honky-tonks, Memphis BBQ, Gatlinburg tourism.
- Healthcare
- $80K/mo → $60,000–$120,000. Nashville hosts the largest concentration of for-profit hospital companies in the US.
- Logistics and Trucking
- $95K/mo → $71,250–$142,500. Memphis FedEx hub drives freight and 3PL demand.
- Construction
- $88K/mo → $66,000–$132,000. Nashville residential and commercial boom.
- Automotive and Manufacturing
- $105K/mo → $78,750–$157,500. Volkswagen, Nissan, GM plants throughout Middle Tennessee.
- What Tennessee businesses qualify for an MCA?
- Restaurants, entertainment venues, healthcare practices, logistics companies, contractors, retail shops, auto repair shops, and manufacturers. Requirements: 500+ FICO, $10,000+/month gross revenue, 6+ months in business, active TN bank account, no open bankruptcy. Nashville, Memphis, Knoxville, Chattanooga, and all Tennessee cities qualify.
- How much can a Tennessee business get from an MCA?
- Typically 75–150% of average monthly gross revenue. A Nashville healthcare practice with $80,000/month can access $60,000–$120,000. A Memphis trucking company with $95,000/month can access $71,250–$142,500. Maximum is $1,000,000.
- Does Tennessee regulate merchant cash advances?
- Tennessee has no specific MCA disclosure laws as of 2026. MCAs are structured as purchase agreements for future receivables rather than loans. Always request written disclosure of all advance terms from any provider.