- 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.