Texas HB 700 — MCA Loan Disclosure & Borrower Protections [2025]

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 states have stepped in with new laws designed to bring transparency and fairness to commercial financing. In Texas, that effort has taken shape as HB 700, which forces MCA providers to clearly disclose costs and repayment terms so business owners know exactly what they’re signing up for.

For anyone struggling with MCA debt in Texas, understanding HB 700 is not just about compliance — it’s about knowing your rights, protections, and leverage points when dealing with lenders.

Schedule Your Complimentary HB700 Review

Debt Consultants Group Insight

We monitor state-by-state MCA laws like HB 700 to protect borrowers from predatory terms and help negotiate settlements. If you’ve been offered an MCA in Texas — or you’re buried under stacked loans — understanding these new rights is your first step toward relief.

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