# Small Business Loans in Georgia

> Georgia has been named the No. 1 state for doing business by Area Development for more than a decade running, anchored by the Port of Savannah, a sprawling logistics network, and a film industry that draws productions from around the world. Hoss Capital matches Georgia business owners with funding partners that actively lend across the state — from metro Atlanta to Augusta, Savannah, and the smaller communities driving growth outside the big metros.

## Key takeaways
- Georgia's Commercial Financing Disclosure Law (SB 90), effective January 1, 2024, requires TILA-style cost and term disclosures on commercial financing of $500,000 or less and restricts broker advance fees.
- It is enforced solely by the Attorney General, with no standalone state licensing or registration regime for providers or brokers.
- The economy leads with transportation and logistics (the Ports of Savannah and Brunswick), manufacturing and food processing, film, and agriculture, with one SBA district office in Atlanta covering all 159 counties.

## Funding the Georgia economy

Georgia pairs a global trade gateway with one of the most diversified economies
in the Southeast. The Port of Savannah is the fastest-growing single-terminal
container port in the country, and the Port of Brunswick leads the U.S. in
roll-on/roll-off auto and heavy-equipment cargo. That logistics backbone — plus
rail, the world's busiest passenger airport in Atlanta, and inland distribution
hubs — keeps capital in constant demand across the state, from warehouses and
trucking fleets to the small businesses that supply them.

### Industries we fund across Georgia

- **Transportation & logistics** — invoice factoring and equipment financing
  for trucking, warehousing, and 3PL operators moving freight through Savannah,
  Brunswick, and Atlanta.
- **Manufacturing & food processing** — lines of credit and equipment loans for
  producers expanding capacity, including the food and beverage cluster.
- **Film & entertainment** — short-term and revenue-based financing for the
  production-services vendors that support Georgia's studios.
- **Agriculture & agribusiness** — seasonal working capital for operations
  across South and Middle Georgia.
- **Healthcare** — practice financing and build-outs in Atlanta, Augusta, and
  Savannah.
- **Technology** — revenue-based financing for Atlanta's growing startup
  corridor.

### What Georgia's disclosure law means for you

Since January 1, 2024, Georgia's Commercial Financing Disclosure Law (SB 90)
has required providers of covered commercial financing of $500,000 or less to
give you clear, TILA-style cost and payment disclosures before you sign — and it
limits what brokers can do, such as charging advance fees. For a business owner
comparing a merchant cash advance against a line of credit, that transparency
makes offers easier to evaluate side by side. Hoss Capital only works with
partners who operate transparently.

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Canonical: https://hoss-capital.pages.dev/locations/georgia/

Sources:
- https://gov.georgia.gov/document/2023-signed-legislation/sb-90/download
- https://law.justia.com/codes/georgia/title-10/chapter-1/article-15/part-2/section-10-1-393-18/
- https://www.buchalter.com/insights/georgia-enacts-commercial-financing-disclosure-law-mandatory-compliance-date-january-1-2024/
- https://www.alston.com/en/insights/publications/2023/07/states-enact-commercial-financial-disclosure-laws
- https://www.sba.gov/district/georgia
- https://georgia.org/industries/logistics-supply-chain
- https://www.georgiatrend.com/2026/03/31/logistics-boom-in-georgia/