- As of June 2026 New Mexico has no commercial financing disclosure or broker-registration law, so merchant cash advances fall outside the Financial Institutions Division's authority, though general contract law still applies.
- The economy spans Permian Basin oil and gas, Albuquerque's federal labs and defense, a growing film and TV industry, and Mesilla Valley agriculture.
- A single SBA district office in Albuquerque serves all 33 counties with 7(a), 504, and microloan programs.
Funding the New Mexico economy
New Mexico’s economy is more diverse than many realize. The southeastern corner sits atop the Permian Basin, one of the most productive oil and gas regions in the country, while Albuquerque anchors a cluster of federal research labs, defense installations, and a film and television production industry that has grown into a major employer. Add the arts-and-tourism economies of Santa Fe and Taos and the agriculture of the Mesilla Valley, and you get steady demand for capital across very different sectors.
Industries we fund across New Mexico
- Energy & oilfield services — equipment financing and working capital for the Permian Basin supply chain around Hobbs and Carlsbad.
- Film & creative production — revenue-based and bridge financing for the vendors and crews supporting Albuquerque’s studio economy.
- Agriculture — equipment loans and seasonal working capital in the Mesilla Valley, including chile, pecan, and dairy operations near Las Cruces.
- Tourism & arts — working capital and lines of credit for galleries, lodging, and restaurants in Santa Fe and Taos.
- Retail & services — funding for Main Street businesses in Albuquerque, Las Cruces, and Santa Fe.
What the rules mean for you
New Mexico has not adopted a commercial-financing disclosure or broker-registration law, so there’s no state mandate requiring a merchant cash advance provider to show you an estimated APR or total cost before you sign. The state’s Financial Institutions Division oversees banks and small-loan lenders, but MCAs generally sit outside that framework. That puts the burden on you: before signing any sales-based financing, get the total repayment amount, all fees, and the payment schedule in writing. Hoss Capital only works with partners who operate transparently.