Georgia · Business Funding
Small Business Loans & Business Funding in Georgia
Georgia's small-business economy is driven by Atlanta's logistics hub, the state's trucking and distribution corridor, and a deep base of trade contractors and independent retailers across metros like Savannah, Augusta, and Athens. Commera matches Georgia owners with funders that follow O.C.G.A. § 10-1-393.16's disclosure rules, so you can compare offers on actual cost, not marketing claims.
By Filip Kozina · Co-Founder, Commera Funding
Reviewed June 8, 2026
What Georgia's commercial financing law means for you
Georgia Commercial Financing Disclosure Law
Effective: January 1, 2024 (SB 90, signed May 2023); applies to covered transactions of $500K or less
Citation: O.C.G.A. § 10-1-393.16 et seq.
Georgia requires non-bank commercial financing providers to give a standardized written disclosure before a financing agreement is signed. The disclosure must include the total amount, the finance charge, the term, the payment amount and frequency, and the prepayment policy. The obligation falls on the funder, not the broker.
Applicability
Applies to commercial financing transactions of $500,000 or less. Bank-issued financing is exempt. Real-estate-secured transactions are excluded.
What you should expect
- A pre-signing disclosure document (not a term sheet alone)
- Total financing amount and the finance charge in dollars
- Payment schedule with the dollar amount per payment
- Prepayment policy, what happens if you pay off early
Plain-English context, not legal advice. Verify specifics with qualified Georgia counsel.
Funding for Georgia's key industries
Trucking & logistics
Atlanta is the logistics capital of the Southeast, Hartsfield-Jackson plus the Port of Savannah make Georgia a national distribution hub. Owner-operators and small fleets use MCA for fuel float, repairs, and equipment purchases.
HVAC, plumbing, electrical
Georgia's warm climate creates year-round HVAC demand with summer peaks. Trade contractors use working capital for equipment, payroll between job invoices, and seasonal hiring.
Restaurants
Atlanta's restaurant scene plus tourism-driven Savannah and college-town markets like Athens drive steady restaurant-funding demand.
Professional services
Atlanta's corporate base supports a deep professional-services market, agencies, consultancies, accounting firms, bridging client AR with short-term capital.
Funding options for Georgia businesses
An advisor prices these against each other for your file rather than pushing whichever one funds fastest.
How it works
How funding works for Georgia businesses
1. Apply in 5 minutes
Pre-qualification form: monthly revenue, time in business, basic business info. No hard credit pull.
2. We hand-match 3-5 funders
We pick 3-5 funders aligned with Georgia businesses your size, industry, and timing, including funders that specialize in logistics and trade contractors.
3. You receive Georgia-compliant offers
Every offer to a Georgia business arrives with the pre-signing disclosure required by Georgia law, total cost, finance charge, payment schedule, prepayment policy.
4. Funded in 24-48 hours
Once you accept and documentation clears, funds typically wire within 24-48 hours.
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Common questions from Georgia owners
Is MCA legal in Georgia?
Yes. MCAs are legal for commercial purposes and are subject to Georgia's commercial financing disclosure law (O.C.G.A. § 10-1-393.16), which requires non-bank funders to disclose total cost, finance charge, payment schedule, and prepayment terms before signing.
What does Georgia's disclosure law require?
Pre-signing disclosure of: total financing amount, finance charge in dollars, term, payment amount and frequency, and prepayment policy. The funder is the disclosing party.
Can a Georgia trucking owner-operator qualify?
Yes, trucking is one of our higher-volume Georgia categories. Owner-operators and small fleets with 6+ months of operation and $20K+ monthly revenue usually qualify. Bank statements showing consistent settlement deposits are the key underwriting input.
Does Commera work outside Atlanta?
Yes, we accept applications from anywhere in Georgia. Savannah, Augusta, Columbus, Athens, Macon, and the rural areas in between all qualify on the same basis as metro Atlanta.
See your Georgia offers in 24 hours.
Three quick questions, then we shop your file across Georgia-active funders and bring back the compliant offers.
More states