Merchant cash advance · Texas
Merchant cash advance in Texas
Texas has one of the largest small-business economies in the country, anchored by trucking and logistics along the I-35 and I-10 corridors, oilfield services, and nonstop commercial construction in the metro triangles. Owner-operators and contractors here deal with slow-paying customers and fuel and equipment costs that do not wait, so short-term working capital is a constant need. The state's business-friendly posture now comes with real disclosure rules for sales-based financing.
Clearwater places Texas files every week: $10K to $2M, sized off your real bank deposits, no hard credit pull to apply, offers typically inside a business day.
Texas's commercial financing disclosure law
Texas HB 700 (Commercial Sales-Based Financing Disclosure and Registration, 2025). Texas HB 700 took effect September 1, 2025 and targets sales-based financing like merchant cash advances specifically. For offers under $1 million, providers must disclose the total financing amount, disbursement amount, finance charge, total repayment amount, payment amounts, and all fees. Providers and brokers must also register with the Texas Office of Consumer Credit Commissioner, with existing companies required to register by December 31, 2026.
Texas merchants taking an advance under $1 million now get a written cost breakdown before signing, and the funder and broker behind the deal have to be registered with the state. Check that anyone pitching you is registered with the OCCC, and read the fee section of the disclosure closely.
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.
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 |
Texas funding questions
Does Texas regulate merchant cash advances?
Yes, as of September 1, 2025. HB 700 requires written disclosures on sales-based financing offers under $1 million, covering the total repayment amount, finance charge, payment amounts, and every fee. It also requires MCA providers and brokers to register with the Texas Office of Consumer Credit Commissioner.
How do I know if a funder or broker is legit in Texas?
Ask whether they are registered with the Texas OCCC. Companies already doing business when the law took effect have until December 31, 2026 to register, but a serious shop will tell you exactly where they stand. If they dodge the question, keep shopping.
Does the Texas disclosure show an APR?
No, Texas requires the finance charge and total repayment in dollars rather than an annualized rate. The dollar figures still let you compare offers, and you can ask your broker to convert any offer into an annualized cost so you see the true price of the money.
Funding by city in Texas
HoustonDallasSan AntonioAustinFort WorthEl PasoArlingtonCorpus ChristiLaredoLubbock
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Two minutes, no hard credit pull, sized off your real deposits.
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