Florida Funding
Commercial financing disclosure context for Florida
Overview
Florida has a Commercial Financing Disclosure Law requiring written disclosures for covered commercial financing transactions.
Transaction scope
Covered commercial financing transactions of $500,000 or less, subject to statutory exemptions.
Reviewed status
Enacted in 2023.
Last reviewed 2026-05-11
Key Requirements
- Provide a written disclosure at or before consummation of a covered transaction
- Provide one disclosure per commercial financing transaction or facility
- Use facility examples where permitted for commercial financing facilities
- Review product exemptions before presenting Florida-specific obligations
Required Disclosures
- Total amount of funds provided
- Total amount disbursed if lower than funds provided
- Total amount to be paid to the provider
- Total dollar cost of financing
- Manner, frequency, and amount of each payment
- Variable-payment methodology and circumstances when payments may vary
- Costs or discounts associated with prepayment
Penalties for Non-Compliance
- Statutory enforcement for covered disclosure violations
- Potential corrective action or civil penalties depending on violation type
Registration and Enforcement Notes
The disclosure statute is not a blanket provider-registration regime. Separate OFR licensing may apply only for independently regulated products or activities.
Florida law requires disclosures at or before consummation and includes statutory enforcement provisions for covered transactions.
Additional Resources
How Alpha Capital Group Reviews State Context
At Alpha Capital Group, we review state-specific commercial financing requirements with product structure, transaction size, and partner obligations in mind. Our process is designed to support:
- Complete transparency in all financing terms
- Clear disclosure of fees, rates, and payment structures
- Review of applicable state-specific registration requirements
- Adherence to all telemarketing and solicitation laws
- Maintenance of required records and documentation
Our team reviews state-level commercial financing disclosure context and partner requirements as part of business-purpose funding preparation. This page is informational and is not legal advice.
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