- As of mid-2026 Wyoming has no commercial financing disclosure or registration law; because MCAs are treated as purchases of future receivables rather than loans, they fall outside the Uniform Consumer Credit Code and the Division of Banking's licensing scope.
- The economy is driven by mineral and energy extraction (coal, oil, natural gas, and trona), travel and tourism, and agriculture, with no individual or corporate state income tax.
- A single SBA Wyoming District Office in Casper serves all 23 counties with 7(a), 504, and microloan programs.
Funding the Wyoming economy
Wyoming runs on its land and what’s under it. Mineral and energy extraction — coal, oil, natural gas, and trona — drives the state’s GDP, while travel and tourism (Yellowstone, Grand Teton, and the wide-open West) and agriculture round out the economy. Add a tax climate with no individual or corporate income tax, and you get a state where business owners keep more of what they earn and frequently reinvest it into growth.
Industries we fund across Wyoming
- Energy & oilfield services — equipment financing and working capital for drilling, mining, and field-service contractors in the Powder River Basin and southwest Wyoming.
- Construction & trades — lines of credit and equipment loans for builders serving Cheyenne, Casper, and growth along the I-25 and I-80 corridors.
- Agriculture & ranching — equipment and working-capital financing for cattle operations, hay, and sugar-beet producers.
- Tourism & hospitality — seasonal working capital for outfitters, lodging, and retail near Yellowstone, Grand Teton, and Jackson Hole.
- Healthcare — practice financing and build-outs in Cheyenne and Casper.
What Wyoming’s rules mean for you
Wyoming has not enacted a commercial financing disclosure law, so merchant cash advance and sales-based financing providers are not required to give you a standardized cost disclosure the way they are in states like California or neighboring Utah. Because the Division of Banking treats MCAs as purchases of future receivables rather than loans, the terms come almost entirely from the contract you sign — so compare the factor rate, total repayment, and payment schedule carefully before committing. Hoss Capital only works with partners who operate transparently.