Merchant cash advance · Georgia
Merchant cash advance in Georgia
Georgia's small-business economy is anchored by Atlanta, one of the busiest logistics hubs in the country, which feeds a deep base of trucking, warehousing, and construction businesses. Fast population growth keeps contractors, restaurants, and medical practices expanding, and expansion eats cash. Sales-based financing is common here, and since 2024 offers come with mandatory written cost disclosures.
Clearwater places Georgia files every week: $10K to $2M, sized off your real bank deposits, no hard credit pull to apply, offers typically inside a business day.
Georgia's commercial financing disclosure law
Georgia SB 90 (Commercial Financing Disclosures, 2023). Georgia SB 90, effective January 1, 2024, requires disclosures on commercial financing of $500,000 or less, including accounts receivable purchase transactions like merchant cash advances. Before closing, providers doing more than five deals a year in Georgia must disclose the funds provided, the total dollar cost, and payment information, similar to Truth in Lending style disclosures but without an APR requirement. The law also prohibits brokers from charging advance fees.
A Georgia merchant taking an offer of $500,000 or less should receive a written cost breakdown before signing, and should never pay a broker anything upfront. Since Georgia does not require an annualized rate, ask for one so you can compare offers on equal footing.
Either way, run any offer through our free repayment calculator before signing - total payback, daily payment, and an APR equivalent you can compare against loans.
Industries we fund across Georgia
Trucking & TransportationConstruction & ContractorsRestaurantsRetail StoresMedical & Dental PracticesAll industries
What it takes to qualify
| Advance range | $10,000 - $2,000,000 |
| Typical sizing | 0.5x to 1.4x monthly bank deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Georgia funding questions
Does Georgia have a merchant cash advance disclosure law?
Yes. SB 90 took effect January 1, 2024 and covers commercial financing of $500,000 or less, including receivable purchase products like MCAs. Providers who do more than five Georgia deals a year must disclose the funds provided, total dollar cost, and payment details before you sign.
Can a broker charge me an upfront fee in Georgia?
No. SB 90 prohibits brokers from assessing or soliciting an advance fee from a Georgia business. A legitimate broker gets paid when your deal funds, not before.
Does the Georgia disclosure include an APR?
No, Georgia requires dollar-cost and payment disclosures but not an annualized rate. The total dollar cost is still the key number, and you can ask any funder or broker to convert it to an annualized figure so you can compare an advance against a loan or line of credit.
See your number, not a sales pitch
Two minutes, no hard credit pull, sized off your real deposits.
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