Texas · Plumbing Industry
Plumbing businesses face constant capital demands: emergency service vehicles, water heater and pipe inventory, licensing and bonding, and staffing up for burst-pipe season. Texas is one of the largest state economies in the US, with no state income tax.
Plumbing businesses in Texas qualify for MCA with 6+ months in business, $4,000–$6,000+/month in business bank deposits, and a 500+ FICO. Initial submission is a signed application plus 6 consecutive months of business bank statements — nothing more. Decisions typically come back in 24-72 hours.
A merchant cash advance is priced with a one-time factor rate, not an annualized interest rate. Example: a $15,000 advance at a 1.20 factor rate means $18,000 total repayment — a $3,000 cost of capital. That total is fixed at origination and repaid via a daily or weekly percentage of your bank deposits, not a fixed monthly loan payment.
| Advance Amount | Factor Rate | Total Repayment | Cost of Capital |
|---|---|---|---|
| $15,000 | 1.20 | $18,000 | $3,000 |
T.A.G. Business Funding
$4,000–$6,000+/month revenue, 6 consecutive months of statements, 500+ FICO minimum.
500+ FICO minimum · 6+ months in business · $4,000–$6,000+/month revenue
Yes. Plumbing businesses in Texas qualify for MCA with 6+ months in business, $4,000–$6,000+/month in business bank deposits, and a 500+ FICO. Approval is based on your deposit history, not your credit score alone.
Exactly 6 consecutive months of business bank statements — the same window used for the time-in-business minimum, with a minimum ending balance of $4,000+ each month.
No. A merchant cash advance is a purchase of a fixed amount of your future receivables, not a loan — there is no interest rate, no fixed monthly payment, and no fixed maturity date. It is priced with a one-time factor rate applied to the advance amount.
MCA amounts are typically 75%-150% of average monthly bank deposits. For example, a $15,000 advance at a 1.20 factor rate means $18,000 total repayment ($3,000 cost of capital) — repaid via a daily or weekly percentage of deposits, not a fixed monthly bill.
Last reviewed: August 2026. T.A.G. Business Funding is an independent ISO partner — not a direct lender. All examples are illustrative. Advance amounts and rates vary by business profile and funder. Not financial advice.
