MCA Qualification Requirements — Texas
500+
Personal FICO Score
$10,000+
Monthly Revenue
6 months
Min Time in Business
Active TX
Business Bank Account
No open
Bankruptcy
3–6 months
Bank Statements
How to Get a Merchant Cash Advance in Texas
- Apply online in 10 minutes: Basic business information, owner information, and how much you need. No credit pull at application stage.
- Submit 3–6 months of bank statements: Upload securely online. We review deposits, daily balances, NSF frequency, and revenue consistency.
- Receive offer within hours: You'll get an advance amount, factor rate, and holdback percentage. No obligation to accept.
- Sign the agreement: Electronic signature. Read the factor rate, total repayment, and holdback rate before signing.
- Receive funds in your TX bank account: 24–72 hours after signing. ACH to your Texas business checking account.
Texas Industries T.A.G. Funds
Restaurants and Food Service
Equipment, payroll, remodel, seasonal working capital
General Contractors and Construction
Materials bridge, payroll, equipment, job mobilization
Trucking and Transportation
Down payment on trucks, repairs, fuel, freight float
Auto Repair and Dealerships
Inventory, equipment, floor plan bridge, working capital
Healthcare — Private Practice
Equipment, insurance AR gap, practice expansion
Retail and E-Commerce
Inventory, marketing, peak-season cash flow
HVAC, Plumbing, Electrical
Equipment, vans, crew expansion, seasonal working capital
Oil Field Services
Equipment, mobilization, receivables bridge
MCA vs. Texas Bank Loan — What's the Difference?
| Factor | MCA (T.A.G.) | Texas Bank Loan |
|---|---|---|
| Funding speed | 24–72 hours | 30–60 days |
| Min credit score | 500 FICO | 650+ FICO (SBA: 640+) |
| Collateral | None | Real estate or business assets |
| Revenue requirement | $10,000+/month | $250,000–$500,000+/year |
| Time in business | 6 months | 2+ years |
| Documents required | Bank statements, ID | 3 years tax returns, financial statements, business plan |
| Repayment | % of daily/weekly revenue | Fixed monthly payment |
| Max amount | $1,000,000 | $5,000,000+ (SBA 7(a)) |
| Cost | Factor rate 1.15–1.45 | Prime + 2–4% APR |
Texas Cities We Fund
Houston
Dallas
San Antonio
Austin
Fort Worth
El Paso
Arlington
Corpus Christi
Plano
Lubbock
Laredo
Irving
Garland
Frisco
Amarillo
McKinney
Grand Prairie
Killeen
Beaumont
Midland
Odessa
Waco
McAllen
Tyler
Is an MCA Right for Your Texas Business?
An MCA is the right choice for a Texas business when:
- You need capital in under 1 week and can't wait for bank processing
- You don't have real estate or equipment to pledge as collateral
- Your personal or business credit score prevents bank approval
- You have a specific short-term capital need with a clear ROI (equipment, inventory, job mobilization)
- Your revenue is strong but irregular, making a fixed monthly bank payment risky
An MCA is NOT the right choice when:
- You're using it to cover ongoing operating losses without a plan to increase revenue
- You already have 2+ active MCA positions (stacking danger)
- You qualify for a Texas bank loan or SBA loan and the wait time is acceptable
Frequently Asked Questions
- How do I get a merchant cash advance in Texas?
- Apply online at T.A.G. in under 10 minutes. Submit 3–6 months of Texas business bank statements. Receive an offer within hours. Sign the agreement. Funds arrive in your Texas bank account in 24–72 hours. Requirements: 500+ personal FICO, $10,000+/month in revenue, 6+ months in business, active business bank account, no open bankruptcy.
- Are merchant cash advances legal in Texas?
- Yes — MCAs are legal in Texas. Texas HB 700 requires finance-charge and total-repayment disclosure, effective September 2025, for financing under $1,000,000. MCAs are classified as purchase agreements for future receivables (not loans) and are therefore not subject to Texas usury laws, but are still subject to HB 700 disclosure. MCA providers must comply with federal commercial regulations and general Texas contract law.
- What credit score do I need for a merchant cash advance in Texas?
- T.A.G. approves Texas businesses with a minimum 500 personal FICO. Your credit score affects your factor rate — higher score = lower rate. But the primary approval criterion is monthly revenue (minimum $10,000/month consistent deposits). Texas businesses with 500–580 FICO still qualify for MCA funding, typically at factor rates of 1.35–1.50.