State availability of funding products.

First, what AI Cash Advance is.

AI Cash Advance is a funding broker, not a lender. We are not a direct funder. We take your funding request, qualify it, and submit or refer it to a network of third-party funding partners and lenders. Those partners make the funding decisions and set the terms. We may be compensated by a funder when a deal is funded.

Because the funding itself comes from third parties, availability follows two things at once: which states we can broker into, and which states each funding partner chooses to operate in. A product can be available in one state and not in a neighboring one for that reason alone.

Availability varies by state and by product.

Two businesses with similar revenue in two different states can see different options. Here is what drives that.

• The product. A merchant cash advance, a business line of credit, an SBA 7(a) loan, and a consolidation are different financial products with different rules. Some are widely available, others depend on the partner and the state.
• The state's commercial-financing rules. Several states require specific cost-and-term disclosures at the offer stage, and some require brokers or providers to register before doing business there. Those rules shape what can be offered and how.
• The funding partner's footprint. Each third-party funder decides which states it lends or advances in. If no partner in our network is active in your state for a given product, we will tell you plainly rather than imply otherwise.

The products we broker, in plain terms.

A quick note on each, because the rules and the language differ by product. Availability of any of these depends on your state and the partners active there.

Disclosure and broker registration rules differ by state.

Commercial financing is increasingly regulated at the state level, and the rules are not uniform. A growing number of states have adopted commercial-financing disclosure laws that require recipients to receive standardized cost-and-term information at the offer stage so they can comparison-shop. Some states also require brokers or providers of sales-based financing to register.

Two examples our visitors ask about most:

• California. California has a commercial financing disclosure framework administered by the Department of Financial Protection and Innovation (DFPI). Recipients of covered commercial financing receive cost and term disclosures before completing a transaction. See our California disclosure notice.
• Texas. Texas HB 700 establishes disclosure and registration requirements for commercial sales-based financing, with provisions taking effect September 1, 2025. See our Texas disclosure notice.

Other states have enacted or proposed their own commercial-financing disclosure or broker-registration laws, including New York, Utah, Virginia, Connecticut, and others, and the landscape continues to change. We reference these frameworks generally and accurately. We do not claim a particular registration status on this page.

What this means for you.

• Tell us your state up front. It is the single fastest way to know what is realistically available to you.
• Expect disclosures where the law requires them. If your state requires cost-and-term disclosures at the offer stage, you should receive them before you commit, so you can compare offers.
• No credit pull to start. Checking your options does not require a credit pull. A funding partner may run a hard credit inquiry later, at the offer or underwriting stage, and you will be told before that happens.
• Nothing here is an offer. Availability, amounts, and terms are subject to the funding partner's review. Not all applicants will qualify.

Related notices