OpenbookCapital
Check my options
Every option shown with its full cost: payback, dollars, payment and estimated APR.Compare all funding types →
How money moves in 0 industries, and which funding fits each cash cycle.All industries →

Directory

All 0 fundersWhat each one publishes, with sources Compare side by sidePick up to 3 funders Lender listsSorted by what they publish

Popular lists

Funders that publish a price Lowest credit minimums Under 1 year in business Merchant cash advance funders

Well-known funders

Research, not partnerships

Every figure comes from the funder's own website, with the date we checked it. We only mark a funder as a partner where a signed agreement exists.

Browse the directory

How we work

How it worksEvery step and how long it takes The Openbook StandardWhat we promise on every offer

Company

About Openbook PartnersRefer clients, or fund with us Careers

Get in touch

Contact Request a callPick a time that suits you
We're a broker, not a lender

Funders make the credit decisions. We compare their offers and show you what each one costs. Funders pay us when a deal funds, never you upfront.

Read the standard

State laws

Where the law makes funders show the cost

0 states require funders to disclose what commercial financing costs before you sign, and some regulate brokers too. There is no federal equivalent. Here's what each state requires, in plain English.
States with a law
0
Require an estimated APR
0
Require registration
0
Federal MCA disclosure law
None

At a glance

Every state we track

Checked against each statute and regulator page on the date shown. Information, not legal advice.
StateLawIn effectDeal size coveredEstimated APRRegistration

Beyond disclosure

Contract and broker rules worth knowing

Confessions of judgment

Unenforceable in Virginia, and void in Texas. New York limits where one can be filed, which leaves no county for a business with no New York residence. Connecticut bars waivers of notice and hearing before a prejudgment remedy.

Automatic debits

Texas bars automatic debiting unless the provider or broker holds a first-priority perfected security interest in the account.

Broker fees and pay

Florida, Georgia and Kansas ban brokers from taking advance fees. New York, Virginia, Connecticut and Texas require the broker's compensation to be disclosed in some form.

Federal picture

No federal disclosure rule, but real enforcement

Federal Truth in Lending rules exempt business-purpose credit, and no federal statute sets MCA disclosures or prices. Federal action has come through FTC unfair-practices cases.
  • FTC v. Yellowstone Capital. Settled in April 2021 for $9.8 million in refunds, with a ban on withdrawals without express consent and required disclosure of fees and net funding. FTC case page
  • FTC v. RCG Advances (Richmond Capital Group). Owners banned from the industry in 2022; a $20.3 million judgment against Jonathan Braun followed in February 2024. FTC case page
  • New York Attorney General and Yellowstone. A January 2025 settlement produced a $1.065 billion judgment and canceled $534.6 million in debts for more than 18,000 businesses. NY AG release
  • CFPB Section 1071. The small-business lending data rule finalized in May 2026 excludes merchant cash advances, with compliance starting January 1, 2028. Federal Register

Bills to watch

Pending or failed bills that could change the picture. Status as of September 30, 2026.
  • California AB 2116 would require a state license for commercial financing providers and brokers from July 2028 and ban confessions of judgment taken before default. It reached the Governor on August 27, 2026; we found no signature or veto recorded yet.
  • New York S10390A would require lenders, including sales-based financing providers and brokers, to report loans over $25,000 to the Department of Financial Services. In committee.
  • Connecticut HB 5211 would have added an estimated APR and removed the $250,000 cap. It passed the House in April 2026 but did not become law.

We track the 11 states above. Other states may have rules we haven't reviewed, so check with your state's financial regulator. This page is general information, not legal advice.

One application, many funders

Know the cost. Then decide

Tell us what you need in about 3 minutes. We compare funders that fit and show every offer with its total payback, dollar cost, payment and estimated APR.

Check my options Request a call
  • About 3 minutes. No SSN and no bank login to start, so checking doesn't affect your credit.
  • 4 months of bank statements. A specialist contacts you within 1 business day and asks for them through a secure link.
  • You approve every funder before your file goes out. No cost to apply, and no obligation to accept.