Quick Answer

Apply online at T.A.G. in 10 minutes, submit 6 consecutive months of Washington state business bank statements, and sign electronically once you receive an offer. 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 Washington state business bank account, no open bankruptcy.

Merchant Cash Advance: Washington State

Merchant Cash Advance Washington State:
Fast Working Capital for WA Businesses

T.A.G. funds Washington state small businesses from $10,000 to $5,000,000, with funding timing set by the funding provider after review. No collateral. Seattle, Spokane, Tacoma, Bellevue, Renton, and every Washington city.

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

MCA Qualification Requirements: Washington State

500+
Personal FICO Score
$4K to $6K+
Monthly Revenue
6 months
Min Time in Business
Active WA
Business Bank Account
No open
Bankruptcy
6 months
Bank Statements
Worker standing over a drum roaster full of beans in a coffee roastery
A Washington coffee roastery's production schedule runs the same way through a slow month as during a holiday rush, and the beans still have to be bought ahead of the sale.

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 6 consecutive months of Washington state 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 WA business bank account, no open bankruptcy.
Are merchant cash advances legal in Washington state?
Yes: MCAs are legal in Washington state. Washington has not enacted a state-specific commercial financing disclosure law as of 2026. MCAs are classified as purchase agreements for future receivables: not subject to Washington usury laws. T.A.G. voluntarily discloses total funded amount, total repayment, APR equivalent, payment schedule, and prepayment terms on every Washington transaction.
A machinist in safety glasses operates a CNC router at a bench in a small workshop
A small machine shop often buys material and runs a job before the invoice for it is paid, the kind of gap a review reads across six real months.

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 has not enacted a state-specific commercial financing disclosure law as of 2026. T.A.G. voluntarily provides 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 to 150% of your average monthly gross deposits. A Seattle restaurant with $70,000/month qualifies for $52,500 to $105,000. A Bellevue tech services firm with $90,000/month qualifies for $67,500 to $135,000. A Spokane contractor with $80,000/month qualifies for $60,000 to $120,000.

Advance range formula applied to three Washington business examples A Seattle restaurant with $70,000 per month in deposits qualifies for $52,500 to $105,000. A Bellevue tech services firm with $90,000 per month qualifies for $67,500 to $135,000. A Spokane contractor with $80,000 per month qualifies for $60,000 to $120,000, each at 75 to 150 percent of monthly deposits. Seattle restaurant $70,000/mo deposits × 75% to 150% → $52,500 to $105,000 Bellevue tech services firm $90,000/mo deposits × 75% to 150% → $67,500 to $135,000 Spokane contractor $80,000/mo deposits × 75% to 150% → $60,000 to $120,000
The same 75% to 150% of monthly-deposits formula applied to three real Washington business types.
Technology and Professional Services
$90K/mo → $67,500 to $135,000. Seattle tech corridor supplier and services companies.
Restaurants and Hospitality
$70K/mo → $52,500 to $105,000. Dense Seattle dining market, wine country tourism.
Construction
$80K/mo → $60,000 to $120,000. Puget Sound development boom.
Agriculture and Food Processing
$75K/mo → $56,250 to $112,500. Apple country and hops corridor.
Maritime and Logistics
$85K/mo → $63,750 to $127,500. Port of Seattle trade corridor.
Illustrative MCA advance ranges by Washington industry Technology and professional services: $67,500 to $135,000. Restaurants and hospitality: $52,500 to $105,000. Construction: $60,000 to $120,000. Agriculture and food processing: $56,250 to $112,500. Maritime and logistics: $63,750 to $127,500. Technology & Professional Svcs $67,500 to $135,000 Restaurants & Hospitality $52,500 to $105,000 Construction $60,000 to $120,000 Agriculture & Food Processing $56,250 to $112,500 Maritime & Logistics $63,750 to $127,500
Illustrative advance ranges by Washington industry, based on the 75% to 150% of average monthly gross deposits formula above.
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, $4,000 to $6,000+/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 to 150% of your average monthly gross deposits. A Seattle restaurant with $70,000/month qualifies for $52,500 to $105,000. A Bellevue tech services firm with $90,000/month qualifies for $67,500 to $135,000. A Spokane contractor with $80,000/month qualifies for $60,000 to $120,000. 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 Washington regulate merchant cash advances?
As of 2026, Washington has not enacted a state-specific commercial financing disclosure law. T.A.G. voluntarily discloses the advance amount, total repayment amount, APR equivalent, payment schedule, and prepayment terms in writing before funding.

Apply for MCA Funding in Washington State

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

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MCA Funding by Washington City

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