Quick Answer

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

Merchant Cash Advance: Virginia

Merchant Cash Advance Virginia:
Fast Working Capital for VA Businesses

T.A.G. funds Virginia small businesses from $10,000 to $5,000,000, with funding timing set by the funding provider after review. HB 1027 compliant. No collateral. Virginia Beach, Norfolk, Richmond, Arlington, and every Virginia city.

500+
Min FICO
Provider-Set
Funding timing
$10K to $5M
Advance range
VA HB 1027
Compliant

Virginia MCA Disclosure Law: HB 1027

Virginia HB 1027: Commercial Financing Disclosure (Effective 2022)

Virginia enacted HB 1027 (effective 2022), requiring standardized disclosures for all commercial financing including MCA. Required disclosures: total amount financed, total repayment amount, payment frequency, and prepayment terms. Virginia's law does not require an APR-equivalent disclosure. T.A.G. provides full HB 1027 compliant disclosures on all Virginia MCA offers, allowing Virginia business owners to understand the complete cost of their advance before signing.

MCA Qualification Requirements: Virginia

500+
Personal FICO Score
$4K to $6K+
Monthly Revenue
6 months
Min Time in Business
Active VA
Business Bank Account
No open
Bankruptcy
6 months
Bank Statements
A seafood restaurant built on the Virginia Beach fishing pier, with diners under the awning and the pier running out over the water
A Virginia Beach pier restaurant's summer season carries the slower months, which is why a review reads six real months rather than one peak weekend.

Virginia Industries T.A.G. Funds

Government Contractors
Receivables bridge, payroll, contract mobilization
Restaurants and Food Service
Equipment, remodel, payroll, seasonal capital
Construction and Contractors
Materials, payroll, equipment, mobilization
Healthcare: Private Practice
Medical equipment, insurance AR gap, expansion
Retail
Inventory, peak-season capital, marketing
Technology and Defense
Working capital, equipment, staff expansion

Virginia Cities We Fund

Virginia BeachNorfolkChesapeakeRichmondArlingtonNewport NewsAlexandriaHamptonRoanokePortsmouthSuffolkLynchburgHarrisonburgCharlottesville

Frequently Asked Questions

How do I get a merchant cash advance in Virginia?
Apply online at T.A.G. in under 10 minutes. Submit 6 consecutive months of Virginia 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 VA business bank account, no open bankruptcy.
Are merchant cash advances legal in Virginia?
Yes: MCAs are legal in Virginia. Virginia HB 1027 (effective 2022) requires disclosure of total cost and repayment terms for all commercial financing including MCA (Virginia's law does not require APR disclosure). MCAs are classified as purchase agreements for future receivables and are not subject to Virginia usury laws. T.A.G. is fully HB 1027 compliant for all Virginia transactions.
A receipt printing from a card terminal on a cafe counter beside a pastry case
A cafe's daily receipts, tracked across six consecutive months, tell a funding review more than a single strong week.

MCA for Virginia Businesses: Economy Overview

Virginia's $680 billion economy is anchored by the world's largest concentration of federal government, defense, and intelligence contractors in the DC metro (Northern Virginia), the Port of Virginia in Hampton Roads, a major agricultural sector, and one of the fastest-growing tech corridors in the country (Amazon HQ2 in Arlington). Virginia HB 1027 commercial financing disclosure law is in effect as of January 1, 2024.

How Much Can a Virginia Business Get?

MCA advances are typically 75 to 150% of your average monthly gross deposits. An Arlington restaurant with $70,000/month qualifies for $52,500 to $105,000. A McLean defense contractor with $100,000/month qualifies for $75,000 to $150,000. A Richmond restaurant with $65,000/month qualifies for $48,750 to $97,500.

Advance range formula applied to three Virginia business examples An Arlington restaurant with $70,000 per month in deposits qualifies for $52,500 to $105,000. A McLean defense contractor with $100,000 per month in deposits qualifies for $75,000 to $150,000. A Richmond restaurant with $65,000 per month in deposits qualifies for $48,750 to $97,500, each at 75 to 150 percent of monthly deposits. Arlington restaurant $70,000/mo deposits × 75% to 150% → $52,500 to $105,000 McLean defense contractor $100,000/mo deposits × 75% to 150% → $75,000 to $150,000 Richmond restaurant $65,000/mo deposits × 75% to 150% → $48,750 to $97,500
The same 75% to 150% of monthly-deposits formula applied to three real Virginia business types.
Federal Contracting and Defense
$100K/mo → $75,000 to $150,000. NoVA government and intelligence contractor ecosystem.
Technology
$90K/mo → $67,500 to $135,000. Amazon HQ2, data center corridor.
Restaurants and Hospitality
$70K/mo → $52,500 to $105,000. Richmond Scott's Addition, Arlington dining.
Healthcare
$78K/mo → $58,500 to $117,000. Northern Virginia and Richmond practices.
Construction
$88K/mo → $66,000 to $132,000. NoVA and Richmond development.
Illustrative MCA advance ranges by Virginia industry Federal Contracting & Defense: $75,000 to $150,000. Technology: $67,500 to $135,000. Restaurants & Hospitality: $52,500 to $105,000. Healthcare: $58,500 to $117,000. Construction: $66,000 to $132,000. Federal Contracting & Defense $75,000 to $150,000 Technology $67,500 to $135,000 Restaurants & Hospitality $52,500 to $105,000 Healthcare $58,500 to $117,000 Construction $66,000 to $132,000
Illustrative advance ranges by Virginia industry, based on the 75% to 150% of average monthly gross deposits formula above.
What Virginia businesses qualify for an MCA?
Restaurants, contractors, retailers, healthcare practices, manufacturers, hospitality companies, and most revenue-generating small businesses qualify. Requirements across all Virginia cities: 500+ personal FICO, $4,000 to $6,000+/month in gross revenue, 6+ months in business, an active VA business bank account, and no open bankruptcy. Virginia Beach, Norfolk, Chesapeake, Richmond, Newport News, Alexandria, Hampton, Roanoke, Portsmouth, Suffolk, and all Virginia cities, qualify.
How much can a Virginia business get from an MCA?
Typically 75 to 150% of your average monthly gross deposits. An Arlington restaurant with $70,000/month qualifies for $52,500 to $105,000. A McLean defense contractor with $100,000/month qualifies for $75,000 to $150,000. A Richmond restaurant with $65,000/month qualifies for $48,750 to $97,500. 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 Virginia regulate merchant cash advances?
As of July 2026, Virginia HB 1027 commercial financing disclosure law, effective January 1, 2024 applies. This requires MCA providers to disclose the advance amount, total repayment amount, payment schedule, and prepayment terms in writing before funding. Virginia's law does not require an APR-equivalent disclosure.

Apply for MCA Funding in Virginia

500+ FICO · $4,000 to $6,000+/month revenue · VA HB 1027 Compliant · Funding timing set by the funding provider

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