MCA Qualification Requirements — Wisconsin
500+
Personal FICO Score
$10,000+
Monthly Revenue
6 months
Min Time in Business
Active WI
Business Bank Account
No open
Bankruptcy
3–6 months
Bank Statements
Wisconsin Industries T.A.G. Funds
Manufacturing
Equipment, raw materials, working capital
Dairy and Food Processing
Equipment, seasonal working capital, inventory
Construction and Contractors
Materials, payroll, equipment, mobilization
Restaurants and Food Service
Equipment, remodel, payroll, seasonal capital
Healthcare — Private Practice
Medical equipment, insurance AR gap, expansion
Retail
Inventory, peak-season capital, marketing
Wisconsin Cities We Fund
MilwaukeeMadisonGreen BayKenoshaRacineAppletonWaukeshaOshkoshEau ClaireJanesvilleWest AllisLa CrosseSheboyganWauwatosa
Frequently Asked Questions
- How do I get a merchant cash advance in Wisconsin?
- Apply online at T.A.G. in under 10 minutes. Submit 3–6 months of Wisconsin business bank statements. Receive an offer within hours. Sign electronically. Funds arrive in your WI bank account in 24–72 hours. Requirements: 500+ FICO, $10,000+/month revenue, 6+ months in business, active WI business bank account, no open bankruptcy.
- Are merchant cash advances legal in Wisconsin?
- Yes — MCAs are legal in Wisconsin. WI has no specific MCA disclosure laws as of 2026. MCAs are classified as purchase agreements for future receivables — not subject to Wisconsin usury laws. Wisconsin's manufacturing, dairy, construction, and healthcare businesses widely use MCAs for equipment and working capital needs.
MCA for Wisconsin Businesses — Economy Overview
Wisconsin's $380 billion economy leads the nation in dairy and food processing, with manufacturing accounting for nearly 19% of GDP. Green Bay, Milwaukee, and Madison anchor a dense corridor of manufacturing plants, food producers, and professional services firms. Milwaukee's growing technology and healthcare sectors add working capital demand year-round. Wisconsin has no specific MCA disclosure laws as of 2026.
How Much Can a Wisconsin Business Get?
MCA advances are typically 75–150% of your average monthly gross deposits. A Milwaukee restaurant with $55,000/month qualifies for $41,250–$82,500. A Green Bay manufacturer with $100,000/month qualifies for $75,000–$150,000. A Madison healthcare practice with $68,000/month qualifies for $51,000–$102,000.
- Food Processing and Dairy
- $70K/mo → $52,500–$105,000. Equipment upgrades, seasonal inventory, cold-chain logistics.
- Manufacturing
- $100K/mo → $75,000–$150,000. Raw materials, tooling, bridge between POs and receivables.
- Restaurants and Hospitality
- $55K/mo → $41,250–$82,500. Seasonal swings in Door County, Wisconsin Dells.
- Construction
- $85K/mo → $63,750–$127,500. Material costs before city contracts pay.
- Healthcare
- $68K/mo → $51,000–$102,000. Insurance reimbursement gaps at independent practices.
- What Wisconsin businesses qualify for an MCA?
- Manufacturers, restaurants, dairy and food processors, contractors, retail shops, healthcare practices, and hospitality businesses. Requirements: 500+ FICO, $10,000+/month gross revenue, 6+ months in business, active WI bank account, no open bankruptcy. Milwaukee, Madison, Green Bay, Appleton, Racine, and Kenosha businesses all qualify.
- How much can a Wisconsin business get from an MCA?
- Typically 75–150% of average monthly gross revenue. A Milwaukee manufacturer with $100,000/month can access $75,000–$150,000. A Madison restaurant with $55,000/month can access $41,250–$82,500. Maximum is $1,000,000.
- Does Wisconsin regulate merchant cash advances?
- Wisconsin has no specific MCA disclosure laws as of 2026. MCAs are classified as future receivables purchase agreements, not loans, so they fall outside Wisconsin's lending statutes. Always request full written disclosure of advance amount, factor rate, total repayment, and holdback percentage.