Maryland · Business Funding
Merchant Cash Advance & Business Funding in Maryland
Maryland's small-business economy is anchored by the federal-contractor base in the DC suburbs of Montgomery and Prince George's Counties, the biotech and life-sciences corridor around Bethesda and Rockville, Baltimore's port and healthcare economy, and a broad trade-contractor and services base across the Eastern Shore. HB 693 / SB 754 — effective October 1, 2025 — brings standardized disclosure to Maryland commercial financing. Commera matches MD owners with funders that follow it to the letter.
By Filip Kozina · Co-Founder, Commera Funding
Reviewed June 8, 2026
What Maryland's commercial financing law means for you
Maryland HB 693 / SB 754 (Commercial Financing Disclosure)
Effective: October 1, 2025
Citation: Maryland HB 693 / SB 754 (2025); codified in Maryland commercial law statutes
Maryland requires commercial financing providers — including merchant cash advance funders — 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 disclosure obligation falls on the provider, not the broker.
Applicability
Applies to commercial financing transactions of $500,000 or less with businesses located in Maryland. 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 — from your funder
- Total financing 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 Maryland counsel.
Funding for Maryland's key industries
Professional services & federal contractors
Maryland's DC-suburb economy is built on federal-contractor services — engineering, IT, consulting, government affairs. MCA fits firms bridging long government AR cycles (90–120 days is common) between contract milestones.
Healthcare & life sciences
Independent medical practices, dental offices, and small biotech service firms in the Bethesda / Rockville / Baltimore corridor use working capital for equipment, build-outs, and bridging insurance reimbursement gaps.
Construction & trade contractors
Maryland's mix of residential, federal, and commercial construction keeps trade contractors busy year-round. MCA covers payroll and materials between progress-payment milestones.
Restaurants
From Bethesda and Annapolis upscale dining to Baltimore neighborhood restaurants and Ocean City seasonal hospitality, MD restaurants use MCA for equipment, payroll bridges, and seasonal inventory.
How funding works for Maryland 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 Maryland-active funders
We pick 3–5 funders aligned with MD businesses your size and industry — and only funders that follow HB 693 / SB 754's disclosure requirements.
3. You receive Maryland-compliant offers
Every offer to a Maryland business arrives with the pre-signing disclosure required by HB 693 / SB 754 — total financing 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 Maryland owners
Is a merchant cash advance legal in Maryland?
Yes — MCAs are legal for commercial purposes in Maryland. As of October 1, 2025, they're regulated under HB 693 / SB 754, which requires non-bank funders to provide a standardized pre-signing disclosure for transactions of $500K or less.
What does Maryland's law 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 Maryland federal-contractor firm qualify with long government AR cycles?
Yes — this is one of the more common Maryland use cases. Most MCA funders evaluate trailing revenue and accept that government contractors run on 60–120 day payment terms. Strong consistent deposits matter more to underwriters than fast turn.
Does Commera serve all of Maryland?
Yes — Baltimore, Montgomery County, Prince George's County, Anne Arundel County, the Eastern Shore, Western Maryland, and everywhere in between. No city restriction within the state.
See your Maryland offers in 2–4 hours.
Three quick questions, then we shop your file across Maryland-active funders and bring back the compliant offers.
Start your pre-qual