Published articles from Debt Consultants Group.
HB 1027 is Virginia’s step toward stronger MCA Loan Disclosure Laws, designed to protect small businesses from the hidden costs and confusing terms often found in Merchant Cash Advance contracts. For years, MCAs have been marketed as quick funding solutions, but many borrowers discovered too late that daily withdrawals, stacked loans, and unclear repayment schedules…
HB 700 vs SB 1235 compares two of the most important MCA Loan Disclosure Laws shaping how Merchant Cash Advance providers must operate in Texas and California. Merchant Cash Advances (MCAs) have become a popular but risky way for small businesses to access fast capital. To combat hidden costs and confusing repayment terms, states are…
California SB 1235 was introduced to bring transparency to Merchant Cash Advances (MCAs). These financing tools are popular with small businesses seeking quick capital. But they often come with hidden costs and confusing repayment terms. Many borrowers end up with stacked loans and multiple daily debits that drain cash flow. To address this, California became…
![Texas HB 700 — MCA Loan Disclosure & Borrower Protections [2025]](https://cdn.sanity.io/images/z116pcvu/production/38f04334acdb9752fae97518fee54542aac246d3-1672x941.png?w=800&h=450&fit=crop&auto=format)
Merchant Cash Advances (MCAs) — now directly addressed by Texas House Bill: HB 700 — have become a quick but dangerous source of capital for many small businesses. While they promise fast funding, the reality is often harsh: daily withdrawals, hidden fees, and confusing terms that leave borrowers stacked under multiple loans. Recognizing this growing problem, several…
I want to scale my business, but I don’t have enough available cash flow. Sounds familiar? You’re not alone. According to a recent Federal Reserve report, 51% of U.S. small businesses say uneven cash flow is one of their biggest hurdles, and 56% said they struggle just to cover operating expenses. When cash flow feels…
Feeling overwhelmed by business debt while managing payroll, vendor payments, and growth? You’re not alone. Without a clear, actionable repayment strategy, it’s easy to lose control of your cash flow and put your company’s financial health at risk. That’s why having a solid plan isn’t just practical—it’s fundamental to safeguarding your business’s future. Two proven…
Uncertainty is the new normal for business owners in 2025. Recent Trump-era policies have increased costs and led to more predatory lending—especially high-cost merchant cash advance (MCA) loans. For many, these changes make it harder to keep finances organized and access affordable capital, putting even well-run businesses at risk. In this challenging environment, organizing your…
Most business owners know that making minimum payments on their debts can keep the lights on and cash flowing—but few realize how much more they end up paying in the long run. When it comes to merchant cash advances (MCAs), this reality is especially stark. MCAs may offer quick access to capital, but their unique…
Most business owners keep a close eye on their personal credit score but often overlook their business credit. Yet, business credit is equally important. It’s directly tied to your company’s reputation and financial credibility, influencing everything from securing capital to negotiating with suppliers. Your business credit score is more than just a number—it’s a tool…
A healthy debt-to-income (DTI) ratio for small businesses is 36% or lower–a threshold cited by many business lenders and financial experts as a sign of manageable debt levels for commercial borrowers. This means less than 36% of your gross monthly income goes toward debt payments—a level that signals to lenders your business is managing debt…
Many business owners feel trapped by relentless MCA payments, but the path to financial freedom can start with a single, strategic step—building a budget. If merchant cash advances (MCAs) are draining your cash flow and blocking your growth, a clear, actionable budget is the first tool you need to regain control and chart a course…