On this page
| Disclosure law | Yes |
|---|---|
| Broker registration | None |
| State calling statute | Federal only |
The lightest of the ten disclosure regimes and the clearest statement of the alternative philosophy: tell the merchant what it costs in dollars, and do not annualise a product with no fixed term.
The disclosure requirement
| Statute | Amendments to the Fair Business Practices Act covering commercial financing |
|---|---|
| In force | 1 January 2024 |
| Reaches | Transactions of $500,000 or less |
| Must contain | Total amount provided, total amount to be paid, the difference between the two, the estimated payment amount and frequency, and a description of any fees. |
| Annualised rate | Explicitly not required. Georgia is the clearest example of a legislature deciding against an annualised figure. |
Calling into Georgia
Federal TCPA plus Georgia’s no-call provisions, which carry a business-to-business exemption. No FTSA-style damages regime.
What changes for a broker
- Sitting the Fair Business Practices Act amendments alongside the disclosure means enforcement runs through consumer-protection machinery rather than a banking regulator.
- No registration requirement, which makes Georgia one of the two disclosure states a broker can work without filing anything.
- The absence of an APR line does not make a factor rate self-explanatory. A merchant comparing a 1.35 against a bank quote still needs the arithmetic done for them.
What Georgia files look like
Atlanta is a national logistics hub and it shows in the leads: trucking, warehousing and last-mile delivery are heavily represented, alongside restaurants, film-adjacent production services and a large home-services base across the metro.
Questions
Does Georgia regulate merchant cash advances?
Yes. Amendments to the Fair Business Practices Act covering commercial financing applies to transactions of $500,000 or less. Total amount provided, total amount to be paid, the difference between the two, the estimated payment amount and frequency, and a description of any fees.
Do I need to register to broker MCAs in Georgia?
Georgia has no commercial-financing-specific registration or licence for brokers. General business licensing applies as it would to any company operating there.
Can I cold call businesses in Georgia?
Federal TCPA plus Georgia’s no-call provisions, which carry a business-to-business exemption. No FTSA-style damages regime.
Whichever state you are dialling, what protects you is the consent record rather than an assurance from a vendor. That is covered in the compliance guide.
Do you sell MCA leads in Georgia?
Yes. Every lead clears the same six minimums wherever the merchant is — $30K+ monthly revenue, $15K+ requested, six months trading, four months of statements available, U.S.-based, and mobile-verified by a 6-digit code. $60 per lead, in packs starting at 50. We can filter your leads by state, which is a real risk control in Georgia if you are concerned about the calling rules.