- Florida's Commercial Financing Disclosure Law requires written cost and term disclosures on commercial financing of $500,000 or less for transactions on or after January 1, 2024, and bars brokers from charging most advance fees.
- The state does not require providers or brokers to register, and the Attorney General has exclusive enforcement authority.
- Florida's no-income-tax, high-growth economy runs on tourism, construction, healthcare, and trade, served by North Florida and South Florida SBA district offices.
Funding the Florida economy
Florida runs on movement — tourists, goods, and new residents. With no state personal income tax and one of the fastest-growing populations in the nation, the state is a magnet for new businesses, from beachfront restaurants and hotels to home builders, logistics firms, and medical practices. That growth creates near-constant demand for capital to staff up for season, buy equipment, take on bigger projects, and smooth out cash flow between paydays.
Industries we fund across Florida
- Tourism & hospitality — working capital for restaurants, hotels, and attractions in Orlando, Miami, and across the Gulf and Atlantic coasts.
- Construction & real estate — lines of credit and equipment loans to manage labor and material costs in fast-growing metros.
- Healthcare — practice financing and build-outs across Tampa Bay, Jacksonville, and South Florida.
- Trade & logistics — invoice factoring and equipment financing tied to PortMiami, Port Everglades, and JAXPORT.
- Agriculture — working capital for growers and ag-services businesses in central and south Florida.
- Aviation & aerospace — financing for suppliers along the Space Coast and around Florida’s major airports.
What the Florida disclosure law means for you
If you’re considering a merchant cash advance or other commercial financing in Florida, providers must give you a clear written disclosure of the cost and terms for transactions of $500,000 or less, and brokers can’t charge you most up-front fees just to shop your deal. Florida doesn’t require lenders to register with the state, so vetting your funding partner matters. Hoss Capital only works with partners who operate transparently.