- As of mid-2026 Wisconsin has no commercial financing disclosure law or registration requirement; MCAs are treated as purchases of future receivables, outside the state's lending-license and usury frameworks.
- Manufacturing is Wisconsin's largest sector (about $73.7 billion of GDP in 2024), alongside dairy-centered agriculture, food and beverage processing, and growing health, education, and water-technology clusters.
- The SBA Wisconsin District Office in Milwaukee (with a Madison office) serves all 72 counties with 7(a), 504, and microloan programs.
Funding the Wisconsin economy
Wisconsin is defined by what it makes. Manufacturing is the state’s largest sector — contributing about $73.7 billion to GDP in 2024 and employing close to half a million people — spanning industrial machinery, paper and packaging, plastics, and food and beverage processing. Wrapped around that base is America’s Dairyland: a dense network of family dairy farms and food producers. The fastest growth, though, is now in education and health services, especially around Milwaukee and Madison, where UW research feeds biohealth, engineering, and water- technology clusters, and ports at Milwaukee and Green Bay keep heavy goods moving to global markets.
Industries we fund across Wisconsin
- Manufacturing — equipment loans and lines of credit for machinery shops and suppliers across the Milwaukee, Madison, and Green Bay corridors.
- Agriculture & dairy — seasonal working capital and equipment financing tied to the milk and harvest calendar.
- Food & beverage processing — capital for the cheesemakers, brewers, and food manufacturers that anchor rural and urban economies alike.
- Healthcare & education — practice financing and build-outs in the state’s fastest-growing sector.
- Construction & trades — equipment financing and lines of credit to manage material costs and project timelines.
What the regulations mean for you
As of mid-2026, Wisconsin has not enacted a commercial financing disclosure law, and merchant cash advances are generally treated as purchases of future receivables rather than loans — so there’s no standardized state disclosure form. That means it’s on you to compare the real cost: ask every provider for the total payback amount, the term, all fees, and the effective cost before you sign. Hoss Capital only works with partners who operate transparently.