MCA Qualification Requirements — Washington State
500+
Personal FICO Score
$10,000+
Monthly Revenue
6 months
Min Time in Business
Active WA
Business Bank Account
No open
Bankruptcy
3–6 months
Bank Statements
Washington Industries T.A.G. Funds
Technology and Startups
Working capital, equipment, staff expansion
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
Trucking and Logistics
Truck acquisition, fuel, freight receivables
Washington Cities We Fund
SeattleSpokaneTacomaBellevueRentonKirklandKentEverettRedmondYakimaBellinghamFederal WayKennewickMarysville
Frequently Asked Questions
- How do I get a merchant cash advance in Washington state?
- Apply online at T.A.G. in under 10 minutes. Submit 3–6 months of Washington state business bank statements. Receive an offer within hours. Sign electronically. Funds arrive in your WA bank account in 24–72 hours. Requirements: 500+ FICO, $10,000+/month revenue, 6+ months in business, active WA business bank account, no open bankruptcy.
- Are merchant cash advances legal in Washington state?
- Yes — MCAs are legal in Washington state. Washington enacted SB 5756, a commercial financing disclosure law effective July 1, 2024, requiring disclosure of total funded amount, total repayment, APR equivalent, payment schedule, and prepayment terms. MCAs are classified as purchase agreements for future receivables — not subject to Washington usury laws. T.A.G. is fully SB 5756 compliant for all Washington transactions.
MCA for Washington Businesses — Economy Overview
Washington's $790 billion economy is anchored by the Seattle tech corridor (Amazon, Microsoft, Boeing) and a world-class coffee, restaurant, and hospitality scene. Washington SB 5756 commercial financing disclosure law is in effect as of July 1, 2024, requiring written disclosure of all MCA advance terms. Agriculture (apples, hops, wheat) and maritime trade through the Port of Seattle add diverse working capital demand.
How Much Can a Washington Business Get?
MCA advances are typically 75–150% of your average monthly gross deposits. A Seattle restaurant with $70,000/month qualifies for $52,500–$105,000. A Bellevue tech services firm with $90,000/month qualifies for $67,500–$135,000. A Spokane contractor with $80,000/month qualifies for $60,000–$120,000.
- Technology and Professional Services
- $90K/mo → $67,500–$135,000. Seattle tech corridor supplier and services companies.
- Restaurants and Hospitality
- $70K/mo → $52,500–$105,000. Dense Seattle dining market, wine country tourism.
- Construction
- $80K/mo → $60,000–$120,000. Puget Sound development boom.
- Agriculture and Food Processing
- $75K/mo → $56,250–$112,500. Apple country and hops corridor.
- Maritime and Logistics
- $85K/mo → $63,750–$127,500. Port of Seattle trade corridor.
- What Washington businesses qualify for an MCA?
- Restaurants, contractors, retailers, healthcare practices, manufacturers, hospitality companies, and most revenue-generating small businesses qualify. Requirements across all Washington cities: 500+ personal FICO, $10,000+/month in gross revenue, 6+ months in business, an active WA business bank account, and no open bankruptcy. Seattle, Spokane, Tacoma, Bellevue, Kirkland, Redmond, Renton, Everett, Vancouver, Olympia — and all Washington cities — qualify.
- How much can a Washington business get from an MCA?
- Typically 75–150% of your average monthly gross deposits. A Seattle restaurant with $70,000/month qualifies for $52,500–$105,000. A Bellevue tech services firm with $90,000/month qualifies for $67,500–$135,000. A Spokane contractor with $80,000/month qualifies for $60,000–$120,000. The maximum advance is $1,000,000 for high-revenue businesses. Apply at T.A.G. in under 10 minutes — decisions in hours.
- Does Washington regulate merchant cash advances?
- As of July 2026, Washington SB 5756 commercial financing disclosure law, effective July 1, 2024 applies. This requires MCA providers to disclose the advance amount, total repayment amount, APR equivalent, payment schedule, and prepayment terms in writing before funding.