Louisiana · Business Funding
Merchant Cash Advance & Business Funding in Louisiana
Louisiana's small-business economy is shaped by the oil-and-gas corridor along the southern coast, the Port of New Orleans and Port of South Louisiana logistics hubs, a deep hospitality and tourism base in New Orleans and across Cajun Country, and a broad services and trade-contractor footprint in Baton Rouge, Shreveport, and Lafayette. HB 470 — effective August 1, 2025 — requires commercial financing providers to give standardized disclosures to LA businesses. Commera matches Louisiana owners with funders that follow HB 470's disclosure rules.
By Filip Kozina · Co-Founder, Commera Funding
Reviewed June 8, 2026
What Louisiana's commercial financing law means for you
Louisiana HB 470 (Commercial Financing Disclosure Act)
Effective: August 1, 2025
Citation: Louisiana HB 470 (2025); codified in Louisiana commercial financing statutes
Louisiana requires non-bank commercial financing providers — including merchant cash advance funders and other revenue-based financing providers — to give every prospective business a standardized written disclosure before the financing agreement is signed. The disclosure must include the total amount of financing, the finance charge in dollars, the term, the payment amount and frequency, the disbursement amount, and the prepayment policy. The obligation falls on the provider, not the broker.
Applicability
Applies to revenue-based financing transactions (including MCA) with LA businesses, regardless of transaction size. Banks and bank-affiliated entities are exempt. Real-estate-secured transactions are excluded.
What you should expect
- A pre-signing disclosure document, not just a term sheet
- Total financing amount, disbursement amount, and total finance charge in dollars
- Payment schedule with the dollar amount per payment
- Prepayment policy — whether early payoff actually saves you anything
Plain-English context, not legal advice. Verify specifics with qualified Louisiana counsel.
Funding for Louisiana's key industries
Restaurants & hospitality
New Orleans's tourism-driven restaurant scene runs on Mardi Gras, Jazz Fest, festival season, and convention traffic — and then settles into slower shoulder months. MCA fits owners bridging payroll and inventory between revenue spikes.
Trucking & port logistics
The Port of New Orleans and Port of South Louisiana drive significant trucking and distribution volume. Owner-operators and small fleets use MCA for fuel float, equipment, and repair costs.
Construction & contractors
Hurricane season creates surge demand for restoration and construction contractors. MCA covers payroll and materials while insurance pays out on a longer timeline.
Retail
From French Quarter tourist retailers to neighborhood boutiques in Baton Rouge and Lafayette, LA retail uses working capital for inventory ahead of festival and holiday demand.
How funding works for Louisiana businesses
1. Apply in 5 minutes
Pre-qualification: monthly revenue, time in business, basic business info. Soft credit pull only.
2. We hand-match 3–5 Louisiana-active funders
We pick 3–5 funders aligned with LA businesses your size and industry — and only funders that follow HB 470's disclosure requirements. Funders that won't meet the bar don't get Louisiana applicants from us.
3. You receive HB 470-compliant offers
Every offer to a Louisiana business arrives with the pre-signing disclosure required by HB 470 — total financing amount, disbursement amount, finance charge, payment schedule, prepayment policy.
4. Funded in 24–48 hours
Once you accept and bank statements clear, funds typically wire in 24–48 hours.
Common questions from Louisiana owners
Is a merchant cash advance legal in Louisiana?
Yes — MCAs are legal for commercial purposes in Louisiana. As of August 1, 2025, they're regulated under HB 470, which requires non-bank funders to provide a standardized pre-signing disclosure.
What does Louisiana HB 470 require my funder to disclose?
Before signing, you must receive: total financing amount, disbursement amount, finance charge in dollars, term, payment amount and frequency, and prepayment policy. The funder is the disclosing party.
Can a Louisiana restaurant qualify with seasonal revenue swings?
Yes. Most MCA funders evaluate trailing 3–4 month revenue and factor in seasonality. New Orleans restaurants with strong festival-season revenue and softer shoulder months are fundable — underwriters know the rhythm of LA tourism.
Does Commera serve all of Louisiana?
Yes — New Orleans, Baton Rouge, Shreveport, Lafayette, Lake Charles, Monroe, and every parish in between. No city restriction within the state.
See your Louisiana offers in 2–4 hours.
Three quick questions, then we shop your file across Louisiana-active funders and bring back the compliant offers.
Start your pre-qual