Florida Part XIII, Chapter 559 — New MCA Loan Disclosure Rules

Florida Part XIII, ch. 559 — New Rules for Merchant Cash Advance Transparency

Florida Part XIII, Chapter 559 introduces new MCA Loan Disclosure Laws that bring greater transparency to Merchant Cash Advance contracts in the state. For years, MCAs have promised fast access to working capital but often left small business owners struggling with hidden fees, daily withdrawals, and stacked contracts. With Chapter 559, Florida is moving to protect business borrowers by requiring lenders to provide clear, standardized disclosures before agreements are signed.

Why Chapter 559 Matters for Small Businesses

Prior to Chapter 559, many MCA contracts in Florida lacked clarity, making it difficult for business owners to assess the true impact on cash flow. This law changes that by:

  • Giving borrowers full transparency in MCA contracts

  • Allowing business owners to compare offers between lenders

  • Reducing the risk of stacked loans and hidden fees

  • Helping protect cash flow with clearer repayment expectations

How Florida Part XIII, Chapter 559 Compares to Other MCA Loan Disclosure Laws

Florida now joins states like California, New York, Texas, Virginia, and Georgia in introducing MCA Loan Disclosure Laws that strengthen borrower protections.

State Law Key Feature

California

SB 1235 

First MCA disclosure law; APR-style cost comparisons

Texas

HB 700 

Plain-language repayment and fee disclosures

New York 

S5470-B 
APR-style + detailed repayment transparency

Georgia
SB 90
Clear disclosures of repayment, fees, and financing terms

Virginia

HB 1027 

Standardized disclosures before MCA contracts

Florida
Part XIII, Ch. 559
New MCA disclosure rules requiring upfront clarity

The Bigger Picture

The passage of Florida Part XIII, Chapter 559 is another sign that MCA Loan Disclosure Laws are gaining traction across the country. While Merchant Cash Advances can still be risky, these laws arm business owners with the information they need to avoid predatory practices and make smarter financial decisions.

For Florida businesses considering an MCA—or already managing stacked contracts—understanding Chapter 559 is a vital step toward protecting long-term stability.

Debt Consultants Group Insight

We track state-by-state MCA Loan Disclosure Laws like Florida’s Part XIII, Chapter 559 to protect borrowers from predatory terms and support them in negotiating fair settlements. If you’ve been offered an MCA in Florida — or you’re burdened by stacked contracts — knowing your rights under this law is the first step toward financial relief.

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