Business funding laws, state by state
Business financing is regulated state by state, and the differences are enormous. Twelve states now require cost disclosures on small business financing. Most states require nothing. We read the statutes and verified every claim against primary sources, and each page below links to the law itself.
States with disclosure laws
All states
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, D.C.
- West Virginia
- Wisconsin
- Wyoming
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What the law actually says about MCA debt, enforcement, and your options.
Last verified August 6, 2026 against primary sources. This page is general information, not legal advice.
Keep Going Capital is a marketing and comparison service, not a lender. We do not make credit decisions. We connect business owners with independent funding providers.