- AlabamaQuestions to ask and the inquiry form for Alabama businesses.
- AlaskaQuestions to ask and the inquiry form for Alaska businesses.
- ArizonaQuestions to ask and the inquiry form for Arizona businesses.
- ArkansasQuestions to ask and the inquiry form for Arkansas businesses.
- CaliforniaCalifornia commercial financing disclosure law, plus the California inquiry form.
- ColoradoQuestions to ask and the inquiry form for Colorado businesses.
- ConnecticutConnecticut sales-based financing law, plus the Connecticut inquiry form.
- DelawareQuestions to ask and the inquiry form for Delaware businesses.
- District of ColumbiaQuestions to ask and the inquiry form for District of Columbia businesses.
- FloridaFlorida Commercial Financing Disclosure Law, plus the Florida inquiry form.
- GeorgiaGeorgia commercial financing disclosure law, plus the Georgia inquiry form.
- HawaiiQuestions to ask and the inquiry form for Hawaii businesses.
- IdahoQuestions to ask and the inquiry form for Idaho businesses.
- IllinoisQuestions to ask and the inquiry form for Illinois businesses.
- IndianaQuestions to ask and the inquiry form for Indiana businesses.
- IowaQuestions to ask and the inquiry form for Iowa businesses.
- KansasKansas Commercial Financing Disclosure Act, plus the Kansas inquiry form.
- KentuckyQuestions to ask and the inquiry form for Kentucky businesses.
- LouisianaQuestions to ask and the inquiry form for Louisiana businesses.
- MaineQuestions to ask and the inquiry form for Maine businesses.
- MarylandQuestions to ask and the inquiry form for Maryland businesses.
- MassachusettsQuestions to ask and the inquiry form for Massachusetts businesses.
- MichiganQuestions to ask and the inquiry form for Michigan businesses.
- MinnesotaQuestions to ask and the inquiry form for Minnesota businesses.
- MississippiQuestions to ask and the inquiry form for Mississippi businesses.
- MissouriMissouri Commercial Financing Disclosure Law, plus the Missouri inquiry form.
- MontanaQuestions to ask and the inquiry form for Montana businesses.
- NebraskaQuestions to ask and the inquiry form for Nebraska businesses.
- NevadaQuestions to ask and the inquiry form for Nevada businesses.
- New HampshireQuestions to ask and the inquiry form for New Hampshire businesses.
- New JerseyQuestions to ask and the inquiry form for New Jersey businesses.
- New MexicoQuestions to ask and the inquiry form for New Mexico businesses.
- New YorkNew York Commercial Finance Disclosure Law, plus the New York inquiry form.
- North CarolinaQuestions to ask and the inquiry form for North Carolina businesses.
- North DakotaQuestions to ask and the inquiry form for North Dakota businesses.
- OhioQuestions to ask and the inquiry form for Ohio businesses.
- OklahomaQuestions to ask and the inquiry form for Oklahoma businesses.
- OregonQuestions to ask and the inquiry form for Oregon businesses.
- PennsylvaniaQuestions to ask and the inquiry form for Pennsylvania businesses.
- Rhode IslandQuestions to ask and the inquiry form for Rhode Island businesses.
- South CarolinaQuestions to ask and the inquiry form for South Carolina businesses.
- South DakotaQuestions to ask and the inquiry form for South Dakota businesses.
- TennesseeQuestions to ask and the inquiry form for Tennessee businesses.
- TexasTexas sales-based financing law (HB 700), plus the Texas inquiry form.
- UtahUtah Commercial Financing Registration and Disclosure Act, plus the Utah inquiry form.
- VermontQuestions to ask and the inquiry form for Vermont businesses.
- VirginiaVirginia sales-based financing law, plus the Virginia inquiry form.
- WashingtonQuestions to ask and the inquiry form for Washington businesses.
- West VirginiaQuestions to ask and the inquiry form for West Virginia businesses.
- WisconsinQuestions to ask and the inquiry form for Wisconsin businesses.
- WyomingQuestions to ask and the inquiry form for Wyoming businesses.
Why your state matters
As of October 2026, California, Connecticut, Florida, Georgia, Kansas, Missouri, New York, Texas, Utah, and Virginia have commercial financing disclosure laws that can cover merchant cash advances. Where they apply, providers must give written cost disclosures before you sign.
In other states, the contract may be the main place the cost appears. Wherever you are, compare the amount funded, total payback, fees, and payment schedule before accepting.