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.
Georgia requires commercial financing disclosures from 1 January 2024 on transactions of $500,000 or less, and is the state that most clearly declines to require an APR.
Checked 30 August 2026. This is a summary of what the rules are, not legal advice on what to do about them — and secondary sources disagree on several of these effective dates, usually because a statute’s own effective date and the date compliance is actually required are different. Confirm against the statute.
Federal TCPA plus Georgia’s no-call provisions, which carry a business-to-business exemption. No FTSA-style damages regime.
Atlanta is a national logistics hub and it shows in the feed: trucking, warehousing and last-mile delivery are heavily represented, alongside restaurants, film-adjacent production services and a large home-services base across the metro.
Trucking and transportation
$15K–$75K
Restaurants and food service
$10K–$60K
Home services — HVAC, plumbing, electrical
$25K–$120K
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.
Georgia has no commercial-financing-specific registration or licence for brokers. General business licensing applies as it would to any company operating there.
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.
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 with a 25-lead minimum. We can filter your feed by state, which is a real risk control in Georgia if you are concerned about the calling rules.
Commercial financing disclosure law
State legislation requiring standardised cost disclosures to a business before it signs a financing agreement.
APR
The annualised cost of financing, accounting for the repayment schedule as well as the amount charged.
Factor rate
A multiplier applied once to an advance amount to give the total repayment — a $50,000 advance at 1.40 means $70,000 repaid.
Total payback
The full amount a merchant repays, calculated as the advance multiplied by the factor rate.
California
Disclosure law · registers brokers
New York
Disclosure law · registers brokers
Texas
Disclosure law · registers brokers
Florida
Disclosure law
Virginia
Disclosure law · registers brokers
Utah
Disclosure law · registers brokers
Connecticut
Disclosure law · registers brokers
Kansas
Disclosure law
Missouri
Disclosure law · registers brokers
New Jersey
No disclosure law · registers brokers
Oklahoma
No disclosure law
Washington
No disclosure law
Maryland
No disclosure law
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