Georgia SB 90 — The MCA Loan Disclosure Law Protecting Small Businesses

September 10, 2025
Ben Wilson

Georgia SB 90 is the state’s new MCA Loan Disclosure Law, created to protect small business owners from predatory financing practices. Merchant Cash Advances (MCAs) have long promised quick funding, but hidden fees, unclear repayment schedules, and stacked contracts have left many business owners struggling to stay afloat. By requiring lenders to disclose the true cost of financing—including repayment amounts, fees, and annualized rates—SB 90 gives Georgia businesses the transparency they need before signing an MCA contract.

What Is Georgia SB 90?

SB 90 establishes new disclosure standards for MCA providers and other commercial lenders in Georgia. The law requires lenders to clearly outline:

Total repayment amount
All fees and charges
Payment frequency and method
Estimated annualized cost of financing (APR-style)
Any prepayment penalties

These requirements are designed to give small business borrowers a full picture of their financial obligations upfront.

Why SB 90 Matters for Small Businesses

Prior to SB 90, many MCA contracts in Georgia buried costs in confusing terms. This often left borrowers surprised by daily withdrawals or escalating balances. With SB 90 in place, small businesses now benefit from:

Greater transparency in lending agreements
The ability to compare offers from multiple lenders
Protection from hidden fees and predatory terms
Clearer insights into long-term financial obligations

How SB 90 Compares to Other MCA Loan Disclosure Laws

Georgia joins several other states leading the charge in MCA regulation:

Debt Consultants Group Insight

We monitor state-by-state MCA Loan Disclosure Laws like Georgia’s SB 90 to protect borrowers from predatory terms and guide them toward fair settlements. If you’ve been offered an MCA in Georgia — or you’re struggling under stacked contracts — understanding these new protections is the first step toward financial relief.