Topic
commercial financing
109 published works
Consumer Finance Monitor
California Enacts Sweeping New Regulation of Commercial Financing
By John D. Socknat, Alan S. Kaplinsky, John L. Culhane, Jr.
California has once again expanded its regulation of financial services. On September 30, 2026, Governor Gavin Newsom signed Assembly Bill 2116, which will subject a broad range of commercial financing…
Lathrop GPM
MCA Agreements in Bankruptcy: Will Courts Treat Them as Sales or Loans?
By Lathrop GPM
Merchant Cash Advance (MCA) agreements continue to proliferate as an alternative funding mechanism for small and mid-size businesses. MCA transactions are typically structured as a purchase and sale of future…
Rush on Business
Can You Really Make Money With This Franchise? How to Test the Financial Model
By Rush Nigut
Can you really make money with a franchise? Learn how to test startup costs, projected revenue, break even sales, cash flow, debt service, owner compensation, and downside risks before you…
Consumer Protection Insights
Vermont Imposes Licensing and Disclosure Requirements for Sales-Based Financing and Factoring Transactions
By Timothy A. Butler, Matthew White, Tessa Cierny, Cody B. Davis, Greenberg Traurig, LLP
Vermont enacted H.648, requiring certain commercial financing providers and brokers to obtain licenses and provide standardized disclosures.
Consumer Financial Services Law Monitor
Vermont Enacts H.648 Extending Licensing and Conduct Rules to Sales‑Based Financing and Factoring
By Jason Cover, Caleb Rosenberg, Taylor Gess
On June 16, Vermont Governor Phil Scott signed H.648, a wide‑ranging financial services bill that, among other changes, brings sales‑based financing and certain factoring arrangements squarely within the state's regulated…
Investigation Counsel
New Brunswick Man Found Guilty of 11 Financial Crimes
Daniel Bard, a 61-year-old man from the Edmundston area, has been found guilty of 11 financial crimes in New Brunswick. A judge ruled that Bard deceptively presented himself as a…
Polaris Tax & Accounting Blogs & Articles
Why Profitable Businesses Still Run Out of Cash
By Joe Serrone
Why Profitable Businesses Still Run Out of Cash One of the most confusing experiences for a business owner occurs when the accountant says the company is profitable while the bank…
Banking & Financial Services Industry Legal Blog
How Lawsuits Affect Credit, Financing, and Business Relationships
A lawsuit is not just a courtroom problem. Long before a judge ever rules, the act of being sued can ripple through your bank covenants, your credit profile, your supplier…
Consumer Finance and Fintech Blog
California DFPI Sets March 15, 2026 Deadline for Commercial Financing Annual Reports
By A.J. Dhaliwal, Mehul Madia, Maxwell Earp-Thomas
On March 15, 2026, certain providers of commercial financing must submit an annual Commercial Financing Annual Report to the California Department of Financial Protection and Innovation pursuant to the California…
Consumer Financial Services Law Monitor
Texas Enacts New Commercial Sales-Based Financing Bill Severely Restricting Automatic Debits
By Jason Cover, Joseph Reilly, Caleb Rosenberg
On June 20, the Texas Legislature passed H.B. 700, which introduces several new regulatory requirements for providers and brokers of commercial sales-based financing operating within the state. The law applies…