Fast Facts About T.A.G. Business Funding
Key statistics for journalists — last updated July 2026
About T.A.G. Business Funding
Standard boilerplate — approved for use in publications without modification
T.A.G. Business Funding is a minority-owned Independent Sales Organization (ISO) founded by Carlos Torres in Chagrin Falls, Ohio in 2020. T.A.G. connects small business owners with working capital through a network of 40+ MCA (merchant cash advance) funding partners. The company serves businesses in all 48 contiguous US states across industries including restaurants, construction, healthcare, retail, trucking, and professional services.
Unlike traditional lenders, T.A.G. evaluates financing eligibility based on monthly business revenue and deposit history — not credit score alone — making funding accessible to businesses with credit challenges, bank declines, or tax liens. Approval decisions are typically made within 4–24 hours, with funding available in 24–72 hours.
T.A.G. is not a direct lender. The company operates as an ISO broker, submitting applications to the most appropriate funder in its network and earning a commission from the funder when a deal is successfully closed. This service is free to applicants.
Website: funding.towersassetgroup.com | Phone: (330) 238-3003 | Founded: 2020
Leadership
Spokesperson and subject matter expert available for comment
Torres is available to comment on: merchant cash advance industry trends, alternative lending regulation, small business financing access disparities, MCA underwriting, and the small business capital gap. He has worked with hundreds of small business owners across all industries and 48 states.
Story Angles & Expert Commentary
Carlos Torres is available as an on-record source for the following topics
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The Bank Decline Epidemic: Why 43% of Small Business Loan Applications Come Up ShortLarge bank approval rates for small business loans have fallen from 28% in 2018 to under 14% in 2024. Who fills the gap — and at what cost? Expert commentary on the alternative lending market filling a void left by bank consolidation and post-SVB risk aversion.
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The Cash Flow Crisis: Why Small Businesses Fail Even When They're Profitable82% of business failures involve cash flow problems — not lack of profit. The 27-day average cash buffer exposes how close most businesses operate to insolvency, and why access to fast working capital is existential rather than optional.
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MCA Regulation 2026: The State-by-State Patchwork and What's Coming FederallyFive states (CA, NY, UT, VA, GA) now have MCA disclosure laws. Several others are advancing legislation. Commentary on how disclosure requirements are reshaping the industry, what borrowers should know, and the case for federal standards.
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Funding Denied: Minority-Owned Businesses Face a 3× Higher Rejection Rate at BanksFederal Reserve data shows minority-owned businesses are approved for bank financing at rates roughly 3× lower than comparable white-owned businesses. Alternative lenders have stepped in — but at higher cost. The equity debate in small business financing.
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AI in Small Business Lending: How Algorithmic Underwriting Is Changing Approval DecisionsRevenue-based AI underwriting is processing tens of thousands of small business applications per day. Commentary on how machine learning is improving access while raising new questions about algorithmic fairness and transparency.
Brand Assets
Approved for editorial use with proper attribution
Research & Data
Industry benchmark reports and datasets, compiled and analyzed by T.A.G. Business Funding, freely available for journalists to cite with attribution
All research published by T.A.G. Business Funding is licensed under Creative Commons Attribution 4.0 (CC BY 4.0). Statistics may be cited freely with attribution to T.A.G. Business Funding (funding.towersassetgroup.com). For custom data requests, contact the press team.
Press Contact
For media inquiries, interview requests, data requests, or to request a quote for a story, contact our press team. We respond within 24 hours on business days.
Chagrin Falls, OH 44022