fundladderRaising money in the US, home page
Sources

Where every fact comes from

Every fact on Fundladder comes from a primary source: the law, a regulator, a government body, a scheme's operator or a provider's own terms. These are all 703 of them, from 232 publishers, with the date each page was last read. Each route page lists its own sources too.

Provider directory listings are checked against public registers and are on the directory. Each Watch briefing lists its own sources, as read on the day.

Acquisition.gov

acquisition.gov · 1 source · last read October 20, 2026

  1. Acquisition.gov: FAR Overhaul, Part 32 (model deviation text) · read October 20, 2026

    Used on: Federal contract financing

akleg.gov

akleg.gov · 2 sources · last read October 31, 2026

  1. Alaska Statutes 06.20.010 and 06.20.230: Alaska Small Loans Act, license required and maximum interest · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Alaska Statutes 45.45.010: legal rate of interest · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Alabama Secretary of State

sos.alabama.gov · 2 sources · last read October 20, 2026

  1. Alabama Secretary of State: Business Entity Records (search by entity name, number, or officer, agent or incorporator) · read October 20, 2026

    Used on: Alabama

  2. Alabama Secretary of State: UCC Records (UCC search options: by debtor name, filing number or date) · read October 20, 2026

    Used on: Alabama

Alabama Securities Commission

asc.alabama.gov · 1 source · last read October 20, 2026

  1. Alabama Securities Commission: home page · read October 20, 2026

    Used on: Alabama

Alabama State Banking Department

banking.alabama.gov · 1 source · last read October 20, 2026

  1. Alabama State Banking Department: home page · read October 20, 2026

    Used on: Alabama

Alaska Department of Commerce, Community and Economic Development

commerce.alaska.gov · 2 sources · last read October 20, 2026

  1. Alaska Department of Commerce, Community and Economic Development: Division of Banking & Securities · read October 20, 2026

    Used on: Alaska

  2. Alaska Division of Corporations, Business and Professional Licensing: Search Entities · read October 20, 2026

    Used on: Alaska

Alaska Department of Natural Resources, Recorder's Office

dnr.alaska.gov · 2 sources · last read October 20, 2026

  1. Alaska Department of Natural Resources, Recorder's Office: home page (administers the statewide recording system and the UCC Central File) · read October 20, 2026

    Used on: Alaska

  2. Alaska Recorder's Office: Uniform Commercial Code (UCC) Central File Search · read October 20, 2026

    Used on: Alaska

alison.legislature.state.al.us

alison.legislature.state.al.us · 3 sources · last read October 31, 2026

  1. Code of Alabama 5-18-4: Alabama Small Loan Act, license required; exemptions · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Code of Alabama 8-8-1: maximum rates of interest, generally · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Code of Alabama 8-8-5: loans, credit sales, etc., of $2,000 or more · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

app.leg.wa.gov

app.leg.wa.gov · 4 sources · last read October 31, 2026

  1. RCW 21.20.880: small securities offerings, exemptions · read October 20, 2026

    Used on: Intrastate offerings and state crowdfunding

  2. Revised Code of Washington 19.52.020: highest rate permissible · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Revised Code of Washington 19.52.080: no usury defense when the transaction is mainly for business · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Revised Code of Washington 31.04.025: application of the Consumer Loan Act (subsection (4)(e): business, commercial and agricultural loans) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

apps.legislature.ky.gov

apps.legislature.ky.gov · 8 sources · last read November 1, 2026

  1. Kentucky Revised Statutes 286.4-420: license required for finance companies · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Kentucky Revised Statutes 286.4-530: charges a licensed consumer loan company may make · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Kentucky Revised Statutes 360.010: legal interest rate; agreement for a higher rate · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Kentucky Revised Statutes 360.025: excess interest no defense for a corporation · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  5. Kentucky Revised Statutes 360.027: excess interest no defense for a limited partnership, LLC or business trust · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  6. Kentucky Revised Statutes 367.380: definitions for the loan broker law · read November 1, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  7. Kentucky Revised Statutes 367.381: loan brokers, prohibited acts · read November 1, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  8. Kentucky Revised Statutes 367.387: remedies for borrower · read November 1, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Arizona Corporation Commission

azcc.gov · 2 sources · last read October 20, 2026

  1. Arizona Corporation Commission: home page (Search for a Business; Corporations, Business Services) · read October 20, 2026

    Used on: Arizona

  2. Arizona Corporation Commission: Securities Division (registration and oversight of securities, dealers, salespersons and investment advisers) · read October 20, 2026

    Used on: Arizona

Arizona Department of Insurance and Financial Institutions

difi.az.gov · 2 sources · last read November 1, 2026

  1. Arizona Department of Insurance and Financial Institutions: Licensing (select your industry) · read November 1, 2026

    Used on: Arizona

  2. Arizona Department of Insurance and Financial Institutions: Licensing, Financial Institutions · read November 1, 2026

    Used on: Arizona

Arizona Secretary of State

azsos.gov · 1 source · last read November 1, 2026

  1. Arizona Secretary of State: Uniform Commercial Code (UCC) · read November 1, 2026

    Used on: Arizona

Arkansas Code Annotated, free public access (LexisNexis)

lexisnexis.com · 4 sources · last read October 31, 2026

  1. Arkansas Code Annotated, free public access (LexisNexis): sections 23-39-401 to 23-39-405, loan brokers · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Mississippi Code 1972 Annotated, free public access (LexisNexis): sections 75-17-1 (last amended by Laws 2001, ch. 317), 75-67-103, 75-67-105 and 75-67-135 · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Official Code of Georgia Annotated, free public access (Georgia Code Revision Commission, through LexisNexis), current through the 2026 special session: sections 7-4-2, 7-4-18 and 7-7-1 to 7-7-6 · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Tennessee Code Unannotated, free public access (LexisNexis), current through the 2026 regular session: sections 47-14-102, 47-14-103, 47-14-112, 45-5-102, 45-5-103, 45-5-104 and 45-5-301 · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Invoice factoring, Online business loans, Spot factoring (single invoices)

Arkansas General Assembly

arkleg.state.ar.us · 2 sources · last read October 31, 2026

  1. Arkansas General Assembly: HJR 1004 (2009), proposing an amendment to the Constitution of Arkansas concerning interest rate limits, sections 2, 3 and 6 · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Arkansas General Assembly: HJR 1004 (2009), status history (enrolled April 9, 2009; one of three amendments the 2009 session referred to voters) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Arkansas Secretary of State

sos.arkansas.gov · 3 sources · last read October 31, 2026

  1. Arkansas Secretary of State: 2010 general election results by polling location (all three proposed constitutional amendments adopted) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Arkansas Secretary of State: Business & Commercial Services (links Business Entity Search) · read October 20, 2026

    Used on: Arkansas

  3. Arkansas Secretary of State: Uniform Commercial Code (UCC) · read October 20, 2026

    Used on: Arkansas

Arkansas Securities Department

securities.arkansas.gov · 1 source · last read October 20, 2026

  1. Arkansas Securities Department: home page · read October 20, 2026

    Used on: Arkansas

Attorney General of Maryland

oag.maryland.gov · 1 source · last read October 20, 2026

  1. Attorney General of Maryland: Securities Division · read October 20, 2026

    Used on: Maryland

azleg.gov

azleg.gov · 7 sources · last read October 31, 2026

  1. Arizona Revised Statutes 44-1201: rate of interest for a loan or indebtedness · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Arizona Revised Statutes 6-101: definitions (deputy director of the financial institutions division) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Arizona Revised Statutes 6-1301: definitions (advance fee, advance fee loan broker) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Arizona Revised Statutes 6-1302: registration required; exemptions · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  5. Arizona Revised Statutes 6-1303: application for registration · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  6. Arizona Revised Statutes 6-601: definitions (consumer, consumer loan) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  7. Arizona Revised Statutes 6-603: consumer lender license · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

banking.arkansas.gov

banking.arkansas.gov · 1 source · last read October 20, 2026

  1. Arkansas State Bank Department (a division of the Arkansas Department of Commerce): home page · read October 20, 2026

    Used on: Arkansas

Bureau of the Fiscal Service

fiscal.treasury.gov · 1 source · last read October 21, 2026

  1. Bureau of the Fiscal Service: Prompt Payment (the current rate, 4.75% for July 1 to December 31, 2026) · read October 21, 2026

    Used on: Prompt Payment Act interest

California GO-Biz

business.ca.gov · 1 source · last read October 20, 2026

  1. California GO-Biz: California Competes Tax Credit · read October 20, 2026

    Used on: Business tax breaks (section 179, bonus depreciation and credits), State and local grants, Glossary

California Legislature

leginfo.legislature.ca.gov · 7 sources · last read October 30, 2026

  1. California Constitution, article XV, section 1: usury · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. California Financial Code 22002: licensees are a class exempt from the constitution's usury limit · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. California Financial Code 22009: finance lender includes a lender making commercial loans · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. California Financial Code 22050: banks, credit unions and others the law does not cover · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  5. California Financial Code 22100: license required for a finance lender or broker · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  6. California Financial Code 22502: commercial loan defined ($5,000 or more, or open-end credit, for business) · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  7. California Financial Code, Division 9.5: Commercial Financing Disclosures (sections 22800 to 22807) · read October 17, 2026

    Used on: Accounts receivable financing, Business line of credit, Commercial real estate loans, E-commerce and payment platform finance, Equipment loans and finance agreements, Equipment leasing and sale-leaseback, Invoice factoring, Merchant cash advance, Online business loans, Revenue-based finance, Spot factoring (single invoices), True cost of a loan, Cost of a merchant cash advance or revenue-based finance, Cost of factoring an invoice, Glossary

California Secretary of State

sos.ca.gov · 3 sources · last read October 20, 2026

  1. California Secretary of State: bizfile Online (searching for entities in the portal) · read October 20, 2026

    Used on: California

  2. California Secretary of State: Business Programs (bizfile Online) · read October 20, 2026

    Used on: California

  3. California Secretary of State: Uniform Commercial Code (online UCC inquiries and debtor search certificate requests) · read October 20, 2026

    Used on: Glossary, California

California Senate

leginfo.ca.gov · 2 sources · last read October 20, 2026

  1. California Senate: floor analysis of SB 978 (August 2012), on hard money lenders and brokers · read October 20, 2026

    Used on: Bridge and hard money loans

  2. California State Assembly, Committee on Banking and Finance: analysis of AB 2288 (April 2010), on hard money lending · read October 20, 2026

    Used on: Bridge and hard money loans, Glossary

CDFI Fund

cdfifund.gov · 5 sources · last read October 20, 2026

  1. CDFI Fund: About us (programs, including Native Initiatives) · read October 17, 2026

    Used on: Community development lenders (CDFIs)

  2. CDFI Fund: CDFI Certification (list of currently certified CDFIs) · read October 20, 2026

    Used on: Community development lenders (CDFIs), Turned down by a bank, Glossary, Check a lender or platform

  3. CDFI Fund: Introduction to the New Markets Tax Credit Program (September 11, 2026) · read October 20, 2026

    Used on: New Markets Tax Credit financing, Glossary

  4. CDFI Fund: New Markets Tax Credit Program · read October 20, 2026

    Used on: New Markets Tax Credit financing, Glossary

  5. CDFI Fund: NMTC Program fact sheet (September 2026) · read October 20, 2026

    Used on: New Markets Tax Credit financing

Challenge.gov

challenge.gov · 1 source · last read October 20, 2026

  1. Challenge.gov: challenge and prize competition content has moved (the platform closed on March 30, 2026) · read October 20, 2026

    Used on: Prize competitions and accelerators

Code of Virginia

law.lis.virginia.gov · 4 sources · last read October 31, 2026

  1. Code of Virginia 6.2-1501: license required (consumer finance companies) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Code of Virginia 6.2-303: contracts for more than the legal rate of interest · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Code of Virginia 6.2-317: loans of $5,000 or more for business or investment purposes · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Code of Virginia, Chapter 22.1: Sales-Based Financing Providers (sections 6.2-2228 to 6.2-2238) · read October 17, 2026

    Used on: E-commerce and payment platform finance, Merchant cash advance, Revenue-based finance, Glossary

code.dccouncil.gov

code.dccouncil.gov · 4 sources · last read October 31, 2026

  1. Code of the District of Columbia 26-901: businesses required to procure license · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Code of the District of Columbia 26-910: exemption of certain persons and businesses · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Code of the District of Columbia 26-912: exemption of certain loans · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Code of the District of Columbia 28-3301: rate of interest expressed in contract (subsection (d): business loans) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

code.wvlegislature.gov

code.wvlegislature.gov · 4 sources · last read October 31, 2026

  1. West Virginia Code 46A-1-102: definitions (consumer loan, regulated consumer loan) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. West Virginia Code 46A-4-101: authority to make loans · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. West Virginia Code 47-6-11: certain business debts exempt from usury laws · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. West Virginia Code 47-6-5: legal rate of interest; agreements in writing · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

codes.ohio.gov

codes.ohio.gov · 3 sources · last read November 1, 2026

  1. Ohio Revised Code 1321.02: license required (Ohio Small Loan Act) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Ohio Revised Code 1343.01: maximum rate of interest · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Ohio Revised Code 4712.01: Ohio Credit Services Organization Act, definitions · read November 1, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Colorado Department of Regulatory Agencies

dora.colorado.gov · 1 source · last read October 20, 2026

  1. Colorado Department of Regulatory Agencies: home page (Division of Banking, Division of Securities) · read October 20, 2026

    Used on: Colorado

Colorado General Assembly

content.leg.colorado.gov · 1 source · last read October 31, 2026

  1. Colorado General Assembly: 2026 Colorado Revised Statutes, titles for download (current with the 2026 session) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Colorado Secretary of State

coloradosos.gov · 2 sources · last read October 20, 2026

  1. Colorado Secretary of State: Business Database Search · read October 20, 2026

    Used on: Colorado

  2. Colorado Secretary of State: UCC Standard Search (a search of all unlapsed secured transactions) · read October 20, 2026

    Used on: Colorado

Connecticut business portal

service.ct.gov · 1 source · last read October 20, 2026

  1. Connecticut business portal: home page (Search UCC Lien Records) · read October 20, 2026

    Used on: Connecticut

Connecticut Department of Banking

portal.ct.gov · 3 sources · last read October 20, 2026

  1. Connecticut Department of Banking: guidance on Public Act 23-201 (June 10, 2024, updated August 1, 2024) · read October 17, 2026

    Used on: E-commerce and payment platform finance, Merchant cash advance, Revenue-based finance

  2. Connecticut Department of Banking: home page (the primary state regulator for securities, consumer credit and state-chartered banks and credit unions) · read October 20, 2026

    Used on: Connecticut

  3. Connecticut Secretary of the State: Business Services (Search for a Business) · read October 20, 2026

    Used on: Connecticut

Connecticut General Assembly

cga.ct.gov · 3 sources · last read October 31, 2026

  1. Connecticut General Statutes 36a-555 and 36a-556: small loan defined; license required (chapter 668) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Connecticut General Statutes chapter 673: interest (37-4, 37-8 and 37-9) · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Connecticut General Statutes, chapter 669, part XVI: commercial financing (sections 36a-861 to 36a-872) · read October 17, 2026

    Used on: E-commerce and payment platform finance, Merchant cash advance, Revenue-based finance, Glossary

data.capitol.hawaii.gov

data.capitol.hawaii.gov · 3 sources · last read October 31, 2026

  1. Hawaii Revised Statutes 478-1: definitions (home business loan) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Hawaii Revised Statutes 478-4: rate by written contract · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Hawaii Revised Statutes 480J-1: installment loans, definitions · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

DC Business One Stop Shop (BOSS)

boss.dc.gov · 1 source · last read October 20, 2026

  1. DC Business One Stop Shop (BOSS): Global Search (search by entity or licensee name, file or license number, or address) · read October 20, 2026

    Used on: District of Columbia

DC Department of Insurance, Securities and Banking

disb.dc.gov · 1 source · last read October 20, 2026

  1. DC Department of Insurance, Securities and Banking: home page · read October 20, 2026

    Used on: District of Columbia

DC Office of Tax and Revenue

otr.cfo.dc.gov · 1 source · last read November 1, 2026

  1. DC Office of Tax and Revenue: Recorder of Deeds FAQs ("UCC documents can be recorded with the DC Office of the Recorder of Deeds"; its online records at washington.dc.publicsearch.us) · read November 1, 2026

    Used on: District of Columbia

DC Recorder of Deeds public search

washington.dc.publicsearch.us · 1 source · last read November 1, 2026

  1. DC Recorder of Deeds public search: registration and fees · read November 1, 2026

    Used on: District of Columbia

DCCA Hawaii

cca.hawaii.gov · 3 sources · last read October 20, 2026

  1. DCCA Hawaii: Business Search & Documents (business name search, licensee search and complaint history) · read October 20, 2026

    Used on: Hawaii

  2. DCCA Hawaii: Division of Financial Institutions (DFI) · read October 20, 2026

    Used on: Hawaii

  3. DCCA Hawaii: Securities (regulatory oversight over the securities industry and franchises in the state) · read October 20, 2026

    Used on: Hawaii

Delaware Department of Justice

attorneygeneral.delaware.gov · 1 source · last read October 20, 2026

  1. Delaware Department of Justice: Investor Protection Unit (enforces the Delaware Securities Act; formerly the Delaware Securities Unit) · read October 20, 2026

    Used on: Delaware

Delaware Division of Corporations

corp.delaware.gov · 1 source · last read October 20, 2026

  1. Delaware Division of Corporations: UCC Search (searches performed by a Delaware Authorized Searcher) · read October 20, 2026

    Used on: Delaware

Delaware Division of Corporations

icis.corp.delaware.gov · 1 source · last read October 20, 2026

  1. Delaware Division of Corporations: General Information Name Search · read October 20, 2026

    Used on: Delaware

Delaware Office of the State Bank Commissioner

banking.delaware.gov · 1 source · last read October 20, 2026

  1. Delaware Office of the State Bank Commissioner: home page · read October 20, 2026

    Used on: Delaware

delcode.delaware.gov

delcode.delaware.gov · 4 sources · last read October 31, 2026

  1. Delaware Code title 5, chapter 22, subchapter I: licensed lenders (5 Del. C. 2202: license required) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Delaware Code title 5, chapter 22, subchapter III: closed end credit (5 Del. C. 2229: interest as the agreement provides) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Delaware Code title 6, chapter 23: interest (6 Del. C. 2301 and 2306) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Delaware Code, title 8, section 102(b)(3): no preemptive rights unless the certificate of incorporation grants them · read October 31, 2026

    Used on: Ownership after each round

U.S. Department of Commerce, International Trade Administration

trade.gov · 1 source · last read October 21, 2026

  1. U.S. Department of Commerce, International Trade Administration: Trade Finance Guide (export factoring and its costs) · read October 21, 2026

    Used on: Invoice factoring, Trade finance and letters of credit, Cost of factoring an invoice, Glossary

U.S. Department of the Treasury

home.treasury.gov · 5 sources · last read October 20, 2026

  1. U.S. Treasury: SSBCI capital programs and contacts, by state · read October 20, 2026

    Used on: State small business capital programs (SSBCI)

  2. U.S. Treasury: SSBCI frequently asked questions (end of Treasury's authority on March 11, 2028; last disbursement requests by December 31, 2027) · read October 20, 2026

    Used on: State small business capital programs (SSBCI)

  3. U.S. Treasury: SSBCI program fact sheet (the five kinds of capital program) · read October 20, 2026

    Used on: State small business capital programs (SSBCI), Glossary

  4. U.S. Treasury: State Small Business Credit Initiative (SSBCI) · read October 20, 2026

    Used on: State small business capital programs (SSBCI), Glossary

  5. US Treasury: The Committee on Foreign Investment in the United States (CFIUS) · read October 20, 2026

    Used on: Corporate venture capital

DFPI

dfpi.ca.gov · 3 sources · last read October 20, 2026

  1. DFPI: Advisory to small businesses on merchant cash advances (April 14, 2025) · read October 17, 2026

    Used on: Business line of credit, Invoice factoring, Merchant cash advance, Cost of a merchant cash advance or revenue-based finance

  2. DFPI: commercial financing disclosure regulations effective December 9, 2022 · read October 17, 2026

    Used on: Accounts receivable financing, Business line of credit, E-commerce and payment platform finance, Invoice factoring, Merchant cash advance, Online business loans, Revenue-based finance

  3. DFPI: home page (regulated industries include banks, credit unions, non-bank lenders and commercial financing) · read October 20, 2026

    Used on: California

docs.legis.wisconsin.gov

docs.legis.wisconsin.gov · 3 sources · last read October 31, 2026

  1. Wisconsin Statutes 138.05: maximum rate; corporations (subsections 5 and 7) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Wisconsin Statutes 138.09: licensed lenders (subsection 1g: business and consumer loan defined) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Wisconsin Statutes 421.301: definitions (subsection 17: customer) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

DORA Division of Banking

banking.colorado.gov · 1 source · last read October 20, 2026

  1. DORA Division of Banking: home page · read October 20, 2026

    Used on: Colorado

DORA Division of Securities

securities.colorado.gov · 1 source · last read October 20, 2026

  1. DORA Division of Securities: home page · read October 20, 2026

    Used on: Colorado

Electronic Code of Federal Regulations (eCFR)

ecfr.gov · 59 sources · last read October 31, 2026

  1. 12 CFR 1002.104 (Regulation B): trade credit defined · read October 17, 2026

    Used on: Supplier trade credit, Waiting for customers to pay, Glossary

  2. 12 CFR 1002.4 (Regulation B): general rules, including no discrimination against applicants · read October 20, 2026

    Used on: Private credit and mezzanine debt

  3. 12 CFR 1002.9 (Regulation B): notifications, including to business credit applicants · read October 17, 2026

    Used on: Accounts receivable financing, Bank and credit union term loans, Business line of credit, Community development lenders (CDFIs), EXIM working capital guarantees and export credit insurance, Invoice factoring, Online business loans, Purchase order and contract financing, SBA 7(a) loans, SBA export loans, SBA Express loans, SBA lines of credit (CAPLines and others), Supplier trade credit, USDA farm loans (Farm Service Agency), USDA Business and Industry loan guarantees, Turned down by a bank, Glossary

  4. 12 CFR 1006.2 (Regulation F): definitions, including debt as a consumer obligation · read October 20, 2026

    Used on: Late fees and Prompt Payment Act interest

  5. 12 CFR 1026, Appendix J (Regulation Z): annual percentage rate computations for closed-end credit · read October 20, 2026

    Used on: True cost of a loan, Cost of a merchant cash advance or revenue-based finance, Cost of factoring an invoice, Equipment finance agreement or lease, Glossary

  6. 12 CFR 1026.12 (Regulation Z): special credit card provisions, including business use · read October 17, 2026

    Used on: Business credit cards, Glossary

  7. 12 CFR 1026.22 (Regulation Z): determination of annual percentage rate · read October 21, 2026

    Used on: True cost of a loan

  8. 12 CFR 1026.3 (Regulation Z): exempt transactions, including business credit · read October 21, 2026

    Used on: Accounts receivable financing, Asset-based lending, Bank and credit union term loans, Bridge and hard money loans, Business credit cards, Business line of credit, Commercial real estate loans, E-commerce and payment platform finance, Equipment loans and finance agreements, Equipment leasing and sale-leaseback, Inventory and floor plan financing, Invoice factoring, Merchant cash advance, Private credit and mezzanine debt, Online business loans, Personal borrowing for the business, Purchase order and contract financing, Revenue-based finance, SBA 7(a) loans, SBA export loans, SBA lines of credit (CAPLines and others), Spot factoring (single invoices), Trade finance and letters of credit, Venture debt, True cost of a loan, Cost of a merchant cash advance or revenue-based finance, Glossary

  9. 12 CFR 1026.40 (Regulation Z): requirements for home equity plans · read October 20, 2026

    Used on: Personal borrowing for the business, Glossary

  10. 12 CFR 34.43: appraisals required (thresholds for commercial real estate and business loans) · read October 20, 2026

    Used on: Commercial real estate loans, Money for real estate businesses

  11. 12 CFR part 1026, Supplement I: official interpretation of 1026.3(a) (primary purpose, business and consumer-purpose cards) · read October 20, 2026

    Used on: Personal borrowing for the business

  12. 13 CFR 120.101: credit not available elsewhere · read October 18, 2026

    Used on: Turned down by a bank, Glossary

  13. 13 CFR 120.110: businesses that are ineligible for SBA business loans · read October 17, 2026

    Used on: SBA 7(a) loans, SBA Express loans, SBA Microloans, Money for nonprofits, cooperatives and social enterprises, Money for real estate businesses

  14. 13 CFR 120.160: loan conditions (personal guarantees) · read October 17, 2026

    Used on: SBA 504 loans, Glossary

  15. 13 CFR 120.707: conditions on loans by intermediaries to microloan borrowers · read October 17, 2026

    Used on: SBA Microloans, Money for nonprofits, cooperatives and social enterprises, Glossary

  16. 13 CFR 120.870: leasing project property (occupancy of new buildings) · read October 17, 2026

    Used on: SBA 504 loans, Money for real estate businesses

  17. 13 CFR 120.910: borrower contributions · read October 17, 2026

    Used on: SBA 504 loans, Money for restaurants, hospitality and retail

  18. 13 CFR 120.920: required participation by the third-party lender · read October 17, 2026

    Used on: SBA 504 loans

  19. 13 CFR 120.931: 504 lending limits · read October 17, 2026

    Used on: SBA 504 loans, Money for energy and environmental projects, Money for manufacturers, Glossary

  20. 13 CFR 120.971: allowable fees paid by the borrower · read October 17, 2026

    Used on: SBA 504 loans, Glossary

  21. 13 CFR 121.104: how annual receipts are calculated (5 years, or 3 for SBA loan programs) · read October 21, 2026

    Used on: Is my business small?

  22. 13 CFR 121.105: how the SBA defines a business concern (legal forms, including cooperatives) · read October 19, 2026

    Used on: SBA Microloans, Money for nonprofits, cooperatives and social enterprises

  23. 13 CFR 121.106: how employees are counted (24 months of pay periods, part-time counted in full) · read October 21, 2026

    Used on: Is my business small?

  24. 13 CFR 121.201: size standards by NAICS code (the maximum receipts or employees for a business and its affiliates) · read October 21, 2026

    Used on: Is my business small?

  25. 13 CFR 121.301: size standards for SBA financial assistance, with the alternative for 7(a) and 504 loans · read October 21, 2026

    Used on: Is my business small?

  26. 13 CFR 121.702: size and eligibility standards for the SBIR and STTR programs · read October 17, 2026

    Used on: SBIR and STTR research awards, Money for life sciences businesses

  27. 17 CFR 227.100: the crowdfunding exemption ($5,000,000 in 12 months, investment limits) · read October 21, 2026

    Used on: Cost of a Regulation Crowdfunding offering

  28. 17 CFR 227.201: Form C disclosure, with (t) financial statements by offering amount ($124,000, $618,000, $1,235,000) · read October 21, 2026

    Used on: Cost of a Regulation Crowdfunding offering

  29. 17 CFR 227.202: ongoing reporting (annual report within 120 days of the fiscal year end) · read October 21, 2026

    Used on: Cost of a Regulation Crowdfunding offering

  30. 17 CFR 227.300: intermediaries, with (b) a portal paid in the issuer's securities on the same terms · read October 21, 2026

    Used on: Cost of a Regulation Crowdfunding offering

  31. 17 CFR 227.303: funds go to a qualified third party, which returns them to investors if the offering is not completed · read October 21, 2026

    Used on: Cost of a Regulation Crowdfunding offering

  32. 17 CFR 230.144A: private resales of securities to institutions (eCFR, current text) · read October 20, 2026

    Used on: Corporate bonds and private placements of debt, Glossary

  33. 17 CFR 230.501(a)(12) and (13): family offices and family clients as accredited investors (eCFR, current text) · read October 20, 2026

    Used on: Family offices

  34. 17 CFR 230.701 (Rule 701): exemption for offers and sales of securities under compensatory benefit plans, paragraphs (d) and (e) · read October 31, 2026

    Used on: Ownership after each round

  35. 17 CFR 240.14e-1: unlawful tender offer practices (eCFR, current text) · read October 20, 2026

    Used on: Private share sales and tender offers, Glossary

  36. 17 CFR 240.15c2-11: publication or submission of quotations without specified information (eCFR, current text) · read October 20, 2026

    Used on: Over-the-counter (OTC) quotation, Glossary

  37. 17 CFR 275.202(a)(11)(G)-1: family offices (eCFR, current text) · read October 20, 2026

    Used on: Family offices, Glossary

  38. 17 CFR Part 227: Regulation Crowdfunding · read October 17, 2026

    Used on: Regulation Crowdfunding

  39. 26 CFR 53.4944-3: exception for program-related investments (with examples) · read October 20, 2026

    Used on: Program-related investments and impact funds, Money for energy and environmental projects, Money for nonprofits, cooperatives and social enterprises

  40. 48 CFR 32.005 (FAR): consideration for contract financing · read October 20, 2026

    Used on: Federal contract financing

  41. 48 CFR 32.009-1 (FAR): accelerated payments to small business contractors · read October 20, 2026

    Used on: Federal contract financing, Money for business services, Federal contractors

  42. 48 CFR 32.1001 and 32.1004 (FAR): performance-based payments, policy and procedures · read October 20, 2026

    Used on: Federal contract financing

  43. 48 CFR 32.104 (FAR): providing contract financing · read October 20, 2026

    Used on: Federal contract financing, Federal contractors

  44. 48 CFR 32.501-1 (FAR): customary progress payment rates · read October 20, 2026

    Used on: Federal contract financing

  45. 48 CFR 32.802 (FAR): assignment of claims, conditions · read October 20, 2026

    Used on: Federal contract financing, Federal contractors

  46. 48 CFR 32.904 (FAR): determining payment due dates · read October 20, 2026

    Used on: Late fees and Prompt Payment Act interest, Money for construction businesses, Federal contractors

  47. 48 CFR 32.907 (FAR): interest penalties, and the written demand for the additional penalty · read October 21, 2026

    Used on: Late fees and Prompt Payment Act interest, Prompt Payment Act interest

  48. 48 CFR 4.1102 (FAR): registration in SAM · read October 20, 2026

    Used on: Federal contractors

  49. 48 CFR 52.232-25 (FAR): Prompt Payment clause (due dates, constructive acceptance on the 7th day, weekends and holidays) · read October 21, 2026

    Used on: Prompt Payment Act interest

  50. 48 CFR part 32 (Federal Acquisition Regulation): contract financing, assignment of claims and prompt payment · read October 20, 2026

    Used on: Glossary

  51. 5 CFR 1315.10: late payment interest penalties (from the day after the due date, the rate on that day, 360-day year, added every 30 days for up to a year, under $1 not paid) · read October 21, 2026

    Used on: Late fees and Prompt Payment Act interest, Money for business services, Federal contractors, Prompt Payment Act interest, Glossary

  52. 5 CFR 1315.11: additional penalties (100% of the interest, at least $25, at most $5,000, asked for in writing within 40 days) · read October 21, 2026

    Used on: Prompt Payment Act interest

  53. 5 CFR 1315.17: formulas, with the monthly compounding formula and its worked examples · read October 21, 2026

    Used on: Prompt Payment Act interest

  54. 7 CFR 4280.104: definitions for the Rural Energy for America Program, including rural area and rural small business · read October 20, 2026

    Used on: Rural businesses

  55. 7 CFR 5001.3: definitions for USDA's guaranteed loans, including rural area and the eligibility map · read October 20, 2026

    Used on: Rural businesses

  56. 7 CFR part 5001: OneRD guaranteed loans (loan limits, equity, eligibility) · read October 20, 2026

    Used on: USDA Business and Industry loan guarantees

  57. 7 CFR part 761: farm loan programs, general (definitions, loan limits in 761.8) · read October 20, 2026

    Used on: USDA farm loans (Farm Service Agency), Glossary

  58. 7 CFR part 762: guaranteed farm loans (eligibility, rates and terms, percent of guarantee, fees) · read October 20, 2026

    Used on: USDA farm loans (Farm Service Agency)

  59. 7 CFR part 764: direct loan making (application, eligibility, rates, terms, security, down payment loans) · read October 20, 2026

    Used on: USDA farm loans (Farm Service Agency), Money for farms and ranches, Glossary

EXIM

exim.gov · 4 sources · last read October 20, 2026

  1. EXIM: Background on the Working Capital Guarantee Program (fact sheet, April 15, 2021) · read October 20, 2026

    Used on: EXIM working capital guarantees and export credit insurance

  2. EXIM: Export Credit Insurance · read October 20, 2026

    Used on: EXIM working capital guarantees and export credit insurance, Exporting, Glossary

  3. EXIM: Multi-Buyer Small Business Insurance · read October 20, 2026

    Used on: EXIM working capital guarantees and export credit insurance

  4. EXIM: Working Capital Loan Guarantee · read October 20, 2026

    Used on: EXIM working capital guarantees and export credit insurance, Exporting

Farm Credit Administration

fca.gov · 1 source · last read October 20, 2026

  1. Farm Credit Administration: About us · read October 20, 2026

    Used on: Money for farms and ranches, Rural businesses

FASB

storage.fasb.org · 1 source · last read October 17, 2026

  1. FASB: Accounting Standards Update 2022-04, Liabilities: Supplier Finance Programs (Subtopic 405-50) · read October 17, 2026

    Used on: Supply chain finance (supplier finance programs)

FDIC

banks.data.fdic.gov · 1 source · last read October 20, 2026

  1. FDIC: BankFind Suite, Find Insured Banks · read October 20, 2026

    Used on: Check a lender or platform

Federal Deposit Insurance Corporation (FDIC)

fdic.gov · 1 source · last read October 20, 2026

  1. FDIC: Money Smart for Small Business, Module 5: Small Business Financing (participant guide) · read October 20, 2026

    Used on: Bank and credit union term loans, Business credit cards, Business line of credit, Community development lenders (CDFIs), Equipment loans and finance agreements, Online business loans, Glossary

Federal Register

federalregister.gov · 7 sources · last read October 21, 2026

  1. Federal Register 2022-19867: Inflation Adjustments Under Titles I and III of the JOBS Act · read October 21, 2026

    Used on: Cost of a Regulation Crowdfunding offering

  2. Federal Register 2026-02176: Prompt Payment Interest Rate; Contract Disputes Act (4 1/8% for January 1 to June 30, 2026) · read October 21, 2026

    Used on: Prompt Payment Act interest

  3. Federal Register 2026-13903: Prompt Payment Interest Rate; Contract Disputes Act (4 3/4% for July 1 to December 31, 2026) · read October 21, 2026

    Used on: Late fees and Prompt Payment Act interest, Money for business services, Prompt Payment Act interest, Glossary

  4. Federal Register 2026-17042: Small Business Size Standards, proposed rule (August 20, 2026) · read October 20, 2026

    Used on: Is my business small?

  5. Federal Register 2026-19546: Small Business Size Standards, extension of comment periods to November 20, 2026 · read October 20, 2026

    Used on: Is my business small?

  6. Federal Register: Driving Efficiency in Farm Loan Delivery (Application Fast Track, effective October 1, 2026) · read October 20, 2026

    Used on: USDA farm loans (Farm Service Agency)

  7. Federal Register: every Prompt Payment Interest Rate notice (the rates in the table, from January 2020) · read October 21, 2026

    Used on: Prompt Payment Act interest

Federal Reserve

federalreserve.gov · 4 sources · last read October 20, 2026

  1. Federal Reserve FEDS Notes: Private Credit: Characteristics and Risks (February 23, 2024) · read October 20, 2026

    Used on: Private credit and mezzanine debt, Private equity, Glossary

  2. Federal Reserve: Browsing to Borrow, "Mom & Pop" small business perspectives on online lenders (2018) · read October 20, 2026

    Used on: E-commerce and payment platform finance, Money for restaurants, hospitality and retail

  3. Federal Reserve: Consumer & Community Context, March 2025 (small business financing products) · read October 20, 2026

    Used on: E-commerce and payment platform finance, Money for consumer product brands

  4. Federal Reserve: H.15 Selected Interest Rates (bank prime loan rate) · read October 18, 2026

    Used on: Glossary

Federal Trade Commission (FTC)

ftc.gov · 6 sources · last read October 20, 2026

  1. FTC Business Blog: Looking for small business financing? Read this first (June 10, 2020) · read October 17, 2026

    Used on: Merchant cash advance, Revenue-based finance, Cost of a merchant cash advance or revenue-based finance, Glossary

  2. FTC: "Strictly Business" forum, staff perspective (February 2020) · read October 20, 2026

    Used on: E-commerce and payment platform finance

  3. FTC: action against Seek Capital's business finance scheme (November 2024) · read October 17, 2026

    Used on: Business credit cards, Online business loans, Turned down by a bank

  4. FTC: Business Guide to the FTC's Mail, Internet, or Telephone Order Merchandise Rule · read October 17, 2026

    Used on: Customer prepayments, deposits and pre-orders, Money for consumer product brands

  5. FTC: court order bans a merchant cash advance provider and its owner from the industry (June 6, 2022) · read October 17, 2026

    Used on: Merchant cash advance

  6. FTC: Crowdfunding project creator settles FTC charges of deception (June 11, 2015) · read October 17, 2026

    Used on: Donation crowdfunding, Rewards crowdfunding

Financial Industry Regulatory Authority (FINRA)

finra.org · 6 sources · last read October 20, 2026

  1. FINRA Rule 5250: payments for market making · read October 20, 2026

    Used on: Over-the-counter (OTC) quotation

  2. FINRA Rule 6432: compliance with the information requirements of SEA Rule 15c2-11 (Form 211) · read October 20, 2026

    Used on: Over-the-counter (OTC) quotation, Glossary

  3. FINRA: About BrokerCheck (what a report contains, and where the information comes from) · read October 20, 2026

    Used on: Check a lender or platform

  4. FINRA: Funding Portals We Regulate · read October 20, 2026

    Used on: Check a lender or platform

  5. FINRA: Need Help? (file a complaint) · read October 20, 2026

    Used on: Check a lender or platform

  6. FINRA: Trade Reporting and Compliance Engine (TRACE) · read October 20, 2026

    Used on: Corporate bonds and private placements of debt

FINRA

brokercheck.finra.org · 1 source · last read October 20, 2026

  1. FINRA: BrokerCheck · read October 20, 2026

    Used on: Check a lender or platform

Florida Department of State, Division of Corporations

search.sunbiz.org · 1 source · last read October 20, 2026

  1. Florida Department of State, Division of Corporations: Search for Corporations, Limited Liability Companies, Limited Partnerships, and Trademarks by Name · read October 20, 2026

    Used on: Florida

Florida Legislature

leg.state.fl.us · 4 sources · last read October 30, 2026

  1. Florida Statutes 559.9612: scope of the Florida Commercial Financing Disclosure Law · read October 20, 2026

    Used on: Commercial real estate loans, Equipment loans and finance agreements, Equipment leasing and sale-leaseback, Inventory and floor plan financing

  2. Florida Statutes chapter 687: interest and usury (687.02 and 687.071) · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Florida Statutes, chapter 559, part XIII: Florida Commercial Financing Disclosure Law (559.961 to 559.9615) · read October 17, 2026

    Used on: Accounts receivable financing, Business line of credit, E-commerce and payment platform finance, Invoice factoring, Merchant cash advance, Online business loans, Revenue-based finance, Spot factoring (single invoices), Cost of factoring an invoice

  4. Florida Statutes, section 679.5011 (filing office) · read October 20, 2026

    Used on: Florida

Florida Office of Financial Regulation

flofr.gov · 1 source · last read October 20, 2026

  1. Florida Office of Financial Regulation: home page (financial institutions, securities, financial investigations) · read October 20, 2026

    Used on: Florida

Florida Secured Transaction Registry

floridaucc.com · 1 source · last read October 20, 2026

  1. Florida Secured Transaction Registry: home page (a centralized UCC filing and retrieval system, as authorized by Florida Statutes chapter 679) · read October 20, 2026

    Used on: Florida

FTC

consumer.ftc.gov · 1 source · last read October 20, 2026

  1. FTC: Government grant scams · read October 20, 2026

    Used on: State and local grants, USDA grants for rural businesses and farmers

FTC

reportfraud.ftc.gov · 1 source · last read October 20, 2026

  1. FTC: ReportFraud.ftc.gov · read October 20, 2026

    Used on: Check a lender or platform

gc.nh.gov

gc.nh.gov · 2 sources · last read October 31, 2026

  1. New Hampshire Revised Statutes 336:1: rate of interest · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. New Hampshire Revised Statutes 399-A:1 and 399-A:2: small loans, definitions and license required · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Georgia Department of Banking and Finance

dbf.georgia.gov · 1 source · last read October 20, 2026

  1. Georgia Department of Banking and Finance: home page (the Depository division supervises state-chartered banks, holding companies and credit unions) · read October 20, 2026

    Used on: Georgia

Georgia General Assembly

legis.ga.gov · 3 sources · last read October 31, 2026

  1. Georgia General Assembly: SB 90 (2023-2024 session), status history (Act 78, effective January 1, 2024) · read October 17, 2026

    Used on: Business line of credit, E-commerce and payment platform finance, Invoice factoring, Merchant cash advance, Online business loans, Revenue-based finance

  2. Georgia General Assembly: summary of general statutes enacted at the 2020 session (SB 462, effective June 30, 2020, for loans made on and after July 1, 2020) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Georgia SB 90 (2023), as passed (Act 78): commercial financing disclosures, O.C.G.A. 10-1-393.18 · read October 17, 2026

    Used on: Accounts receivable financing, Business line of credit, Commercial real estate loans, E-commerce and payment platform finance, Equipment loans and finance agreements, Equipment leasing and sale-leaseback, Invoice factoring, Merchant cash advance, Online business loans, Revenue-based finance, Spot factoring (single invoices), Turned down by a bank, Glossary

Georgia Secretary of State

sos.ga.gov · 1 source · last read November 1, 2026

  1. Georgia Secretary of State: About the Securities Division (the Georgia Uniform Securities Act of 2008; registration, oversight of firms and advisers, complaints) · read November 1, 2026

    Used on: Georgia

Georgia Secretary of State, Corporations Division

ecorp.sos.ga.gov · 1 source · last read November 1, 2026

  1. Georgia Secretary of State, Corporations Division: Business Search · read November 1, 2026

    Used on: Georgia

GoFundMe

gofundme.com · 1 source · last read October 21, 2026

  1. GoFundMe: Pricing and fees (provider's own terms: no platform fee, a 2.9% plus $0.30 transaction fee, optional contributions) · read October 21, 2026

    Used on: What a crowdfunding campaign leaves you

govinfo (U.S. Government Publishing Office)

govinfo.gov · 38 sources · last read November 1, 2026

  1. 12 CFR 1026, Appendix J in the Code of Federal Regulations, annual edition of January 1, 2025 (equations and worked examples) · read October 20, 2026

    Used on: True cost of a loan

  2. 12 U.S.C. 1831d: interest rates of state-chartered insured banks · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. 12 U.S.C. 5704: approval of state capital access programs (premiums of 2% to 7%, loans up to $5 million) · read October 20, 2026

    Used on: State small business capital programs (SSBCI), Glossary

  4. 12 U.S.C. 5705: approval of state other credit support programs (750 employees, $20 million) · read October 20, 2026

    Used on: State small business capital programs (SSBCI)

  5. 12 U.S.C. 635f: termination date of the Bank's functions (2024 edition) · read October 20, 2026

    Used on: EXIM working capital guarantees and export credit insurance

  6. 12 U.S.C. 85: rate of interest on loans by national banks · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  7. 15 U.S.C. 1602(i): "consumer" credit transaction defined (Truth in Lending Act) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  8. 15 U.S.C. 3719: prize competitions · read October 20, 2026

    Used on: Prize competitions and accelerators, Glossary

  9. 15 U.S.C. 77c(a)(5) and (a)(11): exemptions for farmers' cooperatives and intrastate offerings (2024 edition) · read October 20, 2026

    Used on: Co-op member shares and community offerings, Intrastate offerings and state crowdfunding, Money for nonprofits, cooperatives and social enterprises

  10. 15 U.S.C. 77d(a)(2): transactions by an issuer not involving any public offering (2024 edition, govinfo) · read October 20, 2026

    Used on: Corporate bonds and private placements of debt, Private share sales and tender offers

  11. 15 U.S.C. 77ddd: Trust Indenture Act, exempted securities and transactions (2024 edition, govinfo) · read October 20, 2026

    Used on: Corporate bonds and private placements of debt, Glossary

  12. 15 U.S.C. 77eee: Trust Indenture Act, securities required to be registered (2024 edition, govinfo) · read October 20, 2026

    Used on: Corporate bonds and private placements of debt, Glossary

  13. 15 U.S.C. 78l(g) and (k): registration of securities by issuer, and trading suspensions (2024 edition, govinfo) · read October 20, 2026

    Used on: Over-the-counter (OTC) quotation, Private share sales and tender offers

  14. 26 U.S.C. 1042: sales of stock to employee stock ownership plans (2024 edition) · read October 20, 2026

    Used on: Employee stock ownership plan (ESOP)

  15. 26 U.S.C. 1202: partial exclusion for gain from certain small business stock (2023 edition) · read October 17, 2026

    Used on: Angel investors, Venture capital, Not making sales yet, Glossary

  16. 26 U.S.C. 1388: definition of a patronage dividend (2024 edition) · read October 20, 2026

    Used on: Co-op member shares and community offerings, Glossary

  17. 26 U.S.C. 1397C(b) and (e): the income, intangible property and financial property tests that section 1400Z-2(d)(3) refers to (2024 edition, govinfo) · read October 20, 2026

    Used on: Opportunity Zone investment

  18. 26 U.S.C. 1400Z-1: designation of qualified opportunity zones (2024 edition, govinfo) · read October 20, 2026

    Used on: Opportunity Zone investment

  19. 26 U.S.C. 1400Z-2: special rules for capital gains invested in opportunity zones (2024 edition, govinfo) · read October 20, 2026

    Used on: Opportunity Zone investment, Glossary

  20. 26 U.S.C. 144: qualified small issue bonds (2024 edition) · read October 20, 2026

    Used on: Industrial revenue bonds (small issue bonds), Money for manufacturers, Glossary

  21. 26 U.S.C. 144(c)(6)(B): the businesses section 1400Z-2(d)(3) excludes (2024 edition, govinfo) · read October 20, 2026

    Used on: Opportunity Zone investment

  22. 26 U.S.C. 401(a)(28): independent appraiser for ESOP shares (2024 edition) · read October 20, 2026

    Used on: Employee stock ownership plan (ESOP)

  23. 26 U.S.C. 404(a)(9): deductions for contributions that repay an ESOP loan (2024 edition) · read October 20, 2026

    Used on: Employee stock ownership plan (ESOP)

  24. 26 U.S.C. 409(h): the right to sell shares back to the company (2024 edition) · read October 20, 2026

    Used on: Employee stock ownership plan (ESOP)

  25. 26 U.S.C. 422(d): incentive stock options, $100,000 per year limitation · read October 31, 2026

    Used on: Ownership after each round

  26. 26 U.S.C. 45D: new markets tax credit (2024 edition) · read October 20, 2026

    Used on: New Markets Tax Credit financing

  27. 26 U.S.C. 4944: investments which jeopardize charitable purpose (2024 edition) · read October 20, 2026

    Used on: Program-related investments and impact funds

  28. 26 U.S.C. 4975: definition of an ESOP and the exemption for loans to a leveraged ESOP (2024 edition) · read October 20, 2026

    Used on: Employee stock ownership plan (ESOP)

  29. 29 U.S.C. 1108(e) (ERISA section 408(e)): a plan buying employer shares for adequate consideration (2024 edition) · read October 20, 2026

    Used on: Employee stock ownership plan (ESOP)

  30. Federal Register, June 22, 2026: USDA notice on SBIR/STTR lifecycle certification · read October 17, 2026

    Used on: SBIR and STTR research awards

  31. Federal Register: Regulation Crypto Assets, proposed rule (August 21, 2026, 91 FR 54510; comments due October 20, 2026) · read October 20, 2026

    Used on: Token offerings

  32. Federal Register: Rural Energy for America Program (REAP), final rule with comment period, 91 FR 62599 (October 1, 2026), on govinfo · read October 21, 2026

    Used on: USDA grants for rural businesses and farmers, Money for energy and environmental projects

  33. Federal Register: Strengthening Processing for US Ranchers (SPUR) Guaranteed Loan Program, notice of funding opportunity and fees for fiscal year 2027 (October 27, 2026), on govinfo · read November 1, 2026

    Used on: USDA Business and Industry loan guarantees

  34. IRS proposed rules: information reporting on qualified opportunity zones (Federal Register, September 11, 2026) · read October 20, 2026

    Used on: Opportunity Zone investment

  35. Public Law 119-21 (July 4, 2025), section 70423: permanent extension of the new markets tax credit · read October 20, 2026

    Used on: Angel investors, New Markets Tax Credit financing, Opportunity Zone investment, Venture capital, Money for technology businesses, Glossary

  36. SEC, Crowdfunding adopting release, 80 FR 71388 (November 16, 2015): economic analysis estimates of portal fees, review and audit costs and Form C costs · read October 21, 2026

    Used on: Cost of a Regulation Crowdfunding offering

  37. SEC, Facilitating Capital Formation and Expanding Investment Opportunities, 86 FR 3496 (January 14, 2021): the $5 million limit and more recent review cost estimates · read October 21, 2026

    Used on: Cost of a Regulation Crowdfunding offering

  38. Treasury: Opportunity Zones Nomination Tool, information collection notice (Federal Register, May 12, 2026): new zones nominated from July 1, 2026, in effect from January 1, 2027 · read October 20, 2026

    Used on: Opportunity Zone investment

grants.ca.gov

grants.ca.gov · 1 source · last read October 20, 2026

  1. California Grants Portal · read October 20, 2026

    Used on: State and local grants

GSCCCA

search.gsccca.org · 1 source · last read October 20, 2026

  1. GSCCCA: UCC Index (search the Georgia UCC indexes by name, file number, date and county, or secured party) · read October 20, 2026

    Used on: Georgia

Hawaii Bureau of Conveyances

dlnr.hawaii.gov · 2 sources · last read October 20, 2026

  1. Hawaii Bureau of Conveyances: home page (researches UCC requests) · read October 20, 2026

    Used on: Hawaii

  2. Hawaii Bureau of Conveyances: Online Services (Document Search & Ordering system) · read October 20, 2026

    Used on: Hawaii

Idaho Department of Finance

finance.idaho.gov · 1 source · last read October 20, 2026

  1. Idaho Department of Finance: home page (licensee and financial institution search; securities) · read October 20, 2026

    Used on: Idaho

Idaho Secretary of State

sos.idaho.gov · 1 source · last read October 20, 2026

  1. Idaho Secretary of State: home page (Business Search; Lien Search) · read October 20, 2026

    Used on: Idaho

iga.in.gov

iga.in.gov · 4 sources · last read October 31, 2026

  1. Indiana Code 24-4.6-1-102: rate in absence of agreement · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Indiana Code 35-45-7: loansharking (sections 2 and 3: the offence, and the loans it applies to) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Indiana Code 37-2-2-13 and 37-2-2-13.3: consumer loan and consumer related loan defined · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Indiana Code 37-2-4-23: authority to make consumer loans; license required · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

ilga.gov

ilga.gov · 7 sources · last read November 1, 2026

  1. Illinois Compiled Statutes 205 ILCS 670/1: Consumer Installment Loan Act, license required · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Illinois Compiled Statutes 815 ILCS 123/15-1-10 and 15-5-5: Predatory Loan Prevention Act, definitions and rate cap · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Illinois Compiled Statutes 815 ILCS 175/15-10: Loan Brokers Act of 1995, registration required · read November 1, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Illinois Compiled Statutes 815 ILCS 175/15-5.15: Loan Brokers Act of 1995, loan broker defined · read November 1, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  5. Illinois Compiled Statutes 815 ILCS 175/15-60: Loan Brokers Act of 1995, liability to damaged parties · read November 1, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  6. Illinois Compiled Statutes 815 ILCS 175/15-80: Loan Brokers Act of 1995, persons exempt · read November 1, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  7. Illinois Compiled Statutes 815 ILCS 205/4: Interest Act, general interest rate · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Illinois Department of Financial & Professional Regulation

idfpr.illinois.gov · 1 source · last read October 20, 2026

  1. Illinois Department of Financial & Professional Regulation: home page · read October 20, 2026

    Used on: Illinois

Illinois Secretary of State

ilsos.gov · 3 sources · last read November 1, 2026

  1. Illinois Secretary of State: Business Search / Certificate of Good Standing · read November 1, 2026

    Used on: Illinois

  2. Illinois Secretary of State: Securities (about the department; Registration Search) · read November 1, 2026

    Used on: Illinois

  3. Illinois Secretary of State: Uniform Commercial Code (online services) · read November 1, 2026

    Used on: Illinois

Indiana Department of Financial Institutions

in.gov · 2 sources · last read October 20, 2026

  1. Indiana Department of Financial Institutions: home page · read October 20, 2026

    Used on: Indiana

  2. Indiana Secretary of State: Business Services (INBiz - Online Services; UCC) · read October 20, 2026

    Used on: Indiana

Indiana Secretary of State, Securities Division

securities.sos.in.gov · 1 source · last read November 1, 2026

  1. Indiana Secretary of State, Securities Division: Securities Portal (registration search, administrative actions, complaints) · read November 1, 2026

    Used on: Indiana

Indiegogo

help.indiegogo.com · 1 source · last read October 21, 2026

  1. Indiegogo: Fees (provider's own terms: 5% platform fee, 3% plus $0.20 a payment, no fees if the goal is not reached) · read October 21, 2026

    Used on: What a crowdfunding campaign leaves you

Internal Revenue Service (IRS)

irs.gov · 34 sources · last read October 21, 2026

  1. IRS Fact Sheet FS-2022-20: money received through crowdfunding may be taxable (no Form 1099-K where contributors receive nothing back) · read October 21, 2026

    Used on: What a crowdfunding campaign leaves you

  2. IRS Notice 2015-62: investments made for charitable purposes · read October 20, 2026

    Used on: Program-related investments and impact funds

  3. IRS Publication 334: Tax Guide for Small Business (cash discounts) · read October 17, 2026

    Used on: Supplier trade credit, Waiting for customers to pay, Glossary

  4. IRS Publication 4078 (Rev. 1-2026): Tax-exempt private activity bonds · read October 20, 2026

    Used on: Industrial revenue bonds (small issue bonds), Money for manufacturers, Glossary

  5. IRS Publication 526 (2025): Charitable contributions · read October 20, 2026

    Used on: Donation crowdfunding

  6. IRS Publication 537 (2025): Installment Sales · read October 17, 2026

    Used on: Seller financing (when buying a business), Buying a business, Glossary

  7. IRS Publication 538: Accounting Periods and Methods (Advance payments) · read October 17, 2026

    Used on: Customer prepayments, deposits and pre-orders

  8. IRS Publication 550 (2025): Investment Income and Expenses (below-market loans) · read October 17, 2026

    Used on: Friends and family, Glossary

  9. IRS Publication 946: How To Depreciate Property (section 179 limits for 2026; property you own, and leased property) · read October 21, 2026

    Used on: Business tax breaks (section 179, bonus depreciation and credits), Equipment loans and finance agreements, Equipment leasing and sale-leaseback, Money for energy and environmental projects, Money for manufacturers, Equipment finance agreement or lease, Glossary

  10. IRS Tax Tip 2022-120: Some things to know about crowdfunding and taxes · read October 20, 2026

    Used on: Donation crowdfunding, Rewards crowdfunding, Money for consumer product brands

  11. IRS: Employee stock ownership plans (ESOPs) · read October 20, 2026

    Used on: Employee stock ownership plan (ESOP), Glossary

  12. IRS: Employment taxes and the trust fund recovery penalty (TFRP) · read October 17, 2026

    Used on: IRS payment plans, Glossary

  13. IRS: Failure to pay penalty · read October 17, 2026

    Used on: IRS payment plans, Glossary

  14. IRS: FAQs on the Form 1099-K threshold under the One Big Beautiful Bill (the threshold reverts to $20,000) · read October 21, 2026

    Used on: What a crowdfunding campaign leaves you

  15. IRS: Forming a corporation · read October 18, 2026

    Used on: Glossary

  16. IRS: Get an employer identification number · read October 18, 2026

    Used on: Glossary

  17. IRS: Income Verification Express Service (IVES) and Form 4506-C · read October 20, 2026

    Used on: Glossary

  18. IRS: Instructions for Form 6765 (revised December 2025) · read October 17, 2026

    Used on: Research and development tax credit, Money for life sciences businesses, Research and development, Money for technology businesses, Glossary

  19. IRS: Limited liability company (LLC) · read October 18, 2026

    Used on: Glossary

  20. IRS: Opportunity Zones frequently asked questions · read October 20, 2026

    Used on: Glossary

  21. IRS: Opportunity Zones frequently asked questions (last updated September 14, 2026) · read October 20, 2026

    Used on: Opportunity Zone investment

  22. IRS: Payment plans (installment agreements), updated March 3, 2026 · read October 17, 2026

    Used on: IRS payment plans, Glossary

  23. IRS: Program-related investments · read October 20, 2026

    Used on: Program-related investments and impact funds, Money for nonprofits, cooperatives and social enterprises, Glossary

  24. IRS: Qualified small business payroll tax credit for increasing research activities · read October 17, 2026

    Used on: Research and development tax credit

  25. IRS: Quarterly interest rates (2026) · read October 17, 2026

    Used on: IRS payment plans

  26. IRS: Research credit against payroll tax for small businesses · read October 17, 2026

    Used on: Research and development tax credit, Money for life sciences businesses, Not making sales yet, Research and development, Money for technology businesses

  27. IRS: Retirement plans FAQs regarding loans · read October 20, 2026

    Used on: Personal borrowing for the business, Glossary

  28. IRS: Rev. Proc. 2025-28 (section 174A and the small business election) · read October 17, 2026

    Used on: Research and development tax credit

  29. IRS: Rollovers as business start-ups compliance project · read October 20, 2026

    Used on: Retirement savings in your business (ROBS), Glossary

  30. IRS: S corporations · read October 18, 2026

    Used on: Angel investors, Regulation Crowdfunding, Glossary

  31. IRS: Simple Payment Plans for individuals and businesses · read October 17, 2026

    Used on: IRS payment plans

  32. IRS: Small Business Health Care Tax Credit and the SHOP Marketplace · read October 20, 2026

    Used on: Business tax breaks (section 179, bonus depreciation and credits)

  33. IRS: Sole proprietorships · read October 18, 2026

    Used on: Glossary

  34. IRS: Understanding your Form 1099-K (payment apps and crowdfunding platforms report payments for goods or services over $20,000 in more than 200 transactions) · read October 21, 2026

    Used on: What a crowdfunding campaign leaves you

Iowa Division of Banking

idob.iowa.gov · 1 source · last read October 20, 2026

  1. Iowa Division of Banking: home page (bank search; banking and finance licensing) · read October 20, 2026

    Used on: Iowa

Iowa Insurance Division

iid.iowa.gov · 1 source · last read October 20, 2026

  1. Iowa Insurance Division: Securities & Regulated Businesses · read October 20, 2026

    Used on: Iowa

Iowa Secretary of State

sos.iowa.gov · 1 source · last read October 20, 2026

  1. Iowa Secretary of State: home page (Businesses Search; Uniform Commercial Code) · read October 20, 2026

    Used on: Iowa

Kansas Department of Insurance

insurance.kansas.gov · 1 source · last read November 1, 2026

  1. Kansas Department of Insurance: Securities (the Securities Division regulates the securities industry) · read November 1, 2026

    Used on: Kansas

Kansas Legislature

kslegislature.gov · 7 sources · last read October 31, 2026

  1. Kansas Statutes 16-207: contract rate of interest and the transactions it does not cover (2024) · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Kansas Statutes 16a-1-301: definitions (consumer loan, supervised loan) (2024) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Kansas Statutes 16a-2-301: authority to make or service supervised loans (2024) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Kansas Statutes 75-783: Commercial Financing Disclosure Act, definitions (2024) · read October 17, 2026

    Used on: Business line of credit, E-commerce and payment platform finance, Invoice factoring, Merchant cash advance, Online business loans, Revenue-based finance

  5. Kansas Statutes 75-784: required disclosures (2024) · read October 17, 2026

    Used on: Accounts receivable financing, Business line of credit, E-commerce and payment platform finance, Invoice factoring, Merchant cash advance, Online business loans, Revenue-based finance, Spot factoring (single invoices)

  6. Kansas Statutes 75-785 to 75-787: exceptions, brokers and penalties (2024) · read October 17, 2026

    Used on: Accounts receivable financing, Business line of credit, Commercial real estate loans, E-commerce and payment platform finance, Equipment loans and finance agreements, Equipment leasing and sale-leaseback, Invoice factoring, Merchant cash advance, Online business loans, Revenue-based finance

  7. Kansas Statutes 75-786: prohibitions on brokers (2024) · read October 17, 2026

    Used on: Turned down by a bank

Kansas Office of the State Bank Commissioner

osbckansas.gov · 1 source · last read October 20, 2026

  1. Kansas Office of the State Bank Commissioner: home page · read October 20, 2026

    Used on: Kansas

Kansas Secretary of State

sos.ks.gov · 2 sources · last read November 1, 2026

  1. Kansas Secretary of State: home page (Business Search; Uniform Commercial Code) · read November 1, 2026

    Used on: Kansas

  2. Kansas Secretary of State: UCC Filing Information (online subscription, and search fees) · read November 1, 2026

    Used on: Kansas

Kentucky Department of Financial Institutions

kfi.ky.gov · 1 source · last read October 20, 2026

  1. Kentucky Department of Financial Institutions: home page (depository, non-depository and securities) · read October 20, 2026

    Used on: Kentucky

Kentucky Secretary of State

sos.ky.gov · 2 sources · last read October 20, 2026

  1. Kentucky Secretary of State: Business Filings (Business Entity Search) · read October 20, 2026

    Used on: Kentucky

  2. Kentucky Secretary of State: UCC (links the UCC filings search) · read October 20, 2026

    Used on: Kentucky

leg.mt.gov

leg.mt.gov · 6 sources · last read October 31, 2026

  1. Montana Code Annotated 31-1-107: interest rate allowed by agreement · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Montana Code Annotated 31-1-108: penalty for usury · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Montana Code Annotated 31-1-111: definition of regulated lender · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Montana Code Annotated 31-1-112: regulated lenders and merchant finance exempt · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  5. Montana Code Annotated 32-5-102: definitions (consumer loan) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  6. Montana Code Annotated 32-5-103: engaging in business of making consumer loans restricted · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

leg.state.nv.us

leg.state.nv.us · 2 sources · last read October 31, 2026

  1. Nevada Revised Statutes 675.040 and 675.060: installment loans, exemptions and license required · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Nevada Revised Statutes 99.050: agreed interest rates · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

legis.iowa.gov

legis.iowa.gov · 3 sources · last read October 31, 2026

  1. Iowa Code 535.2: rate of interest (subsection 2: persons who may agree in writing to any rate) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Iowa Code 536.1: Iowa Regulated Loan Act, license required · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Iowa Code chapter 535C: Iowa Loan Brokers Act (535C.1, 535C.2A, 535C.6, 535C.7 and 535C.10) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

legis.la.gov

legis.la.gov · 4 sources · last read October 31, 2026

  1. Louisiana Revised Statutes 9:3509: rate of interest for commercial, business or agricultural loans; rate upon default · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Louisiana Revised Statutes 9:3516: definitions (consumer loan) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Louisiana Revised Statutes 9:3557: authority to make consumer loans · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Louisiana Revised Statutes 9:3572.1: loan broker defined (consumer loans) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

legislature.idaho.gov

legislature.idaho.gov · 3 sources · last read October 31, 2026

  1. Idaho Code 28-22-104: legal rate of interest · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Idaho Code 28-41-301: definitions (regulated consumer loan) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Idaho Code 28-46-301: authority to make regulated consumer loans · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

legislature.maine.gov

legislature.maine.gov · 3 sources · last read October 31, 2026

  1. Maine Revised Statutes title 9-A, section 1-301: definitions (consumer loan, supervised loan) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Maine Revised Statutes title 9-A, section 2-301: authority to make or service supervised loans · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Maine Revised Statutes title 9-A, section 2-601: finance charge for other credit transactions · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

legislature.mi.gov

legislature.mi.gov · 4 sources · last read October 31, 2026

  1. Michigan Compiled Laws 438.31: interest rate · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Michigan Compiled Laws 438.41: criminal usury · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Michigan Compiled Laws 438.61: credit to business entities · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Michigan Compiled Laws 493.1 and 493.2: Regulatory Loan Act, definitions and license required · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

legislature.vermont.gov

legislature.vermont.gov · 5 sources · last read October 30, 2026

  1. Vermont Statutes 8 V.S.A. 11101: definitions (the Commissioner of Financial Regulation) · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Vermont Statutes 8 V.S.A. 2200: definitions (loan solicitation and lead generation) · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Vermont Statutes 8 V.S.A. 2201: licenses required (subsection (h): not commercial loans of $1,000,000 or more) · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Vermont Statutes 9 V.S.A. 41a: legal rates · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  5. Vermont Statutes 9 V.S.A. 46: exceptions to the legal rates (obligations of corporations and of income-producing businesses) · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

lis.njleg.state.nj.us

lis.njleg.state.nj.us · 1 source · last read October 31, 2026

  1. New Jersey Statutes 31:1-1, 31:1-6, 2C:21-19, 17:11C-2 and 17:11C-3: contract rate, no usury defense for corporations, criminal usury, and the consumer lender license (search the Legislature's statutes database by section number) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Louisiana Office of Financial Institutions

ofi.la.gov · 1 source · last read October 20, 2026

  1. Louisiana Office of Financial Institutions: home page (depository, non-depository, securities and consumer) · read October 20, 2026

    Used on: Louisiana

Louisiana Secretary of State

coraweb.sos.la.gov · 1 source · last read October 20, 2026

  1. Louisiana Secretary of State: Search for Louisiana Business Filings (search by entity name, charter number or trade name) · read October 20, 2026

    Used on: Louisiana

Louisiana Secretary of State

sos.la.gov · 2 sources · last read October 20, 2026

  1. Louisiana Secretary of State: Search Business Filings · read October 20, 2026

    Used on: Louisiana

  2. Louisiana Secretary of State: Search for Financing Statements · read October 20, 2026

    Used on: Louisiana

Maine Bureau of Financial Institutions

maine.gov · 3 sources · last read October 20, 2026

  1. Maine Bureau of Financial Institutions: home page · read October 20, 2026

    Used on: Maine

  2. Maine Office of Securities: home page · read October 20, 2026

    Used on: Maine

  3. Maine Secretary of State: Search for a Uniform Commercial Code Filing (UCC Interactive Search) · read October 20, 2026

    Used on: Maine

Maine Secretary of State, Division of Corporations

apps3.web.maine.gov · 1 source · last read October 20, 2026

  1. Maine Secretary of State, Division of Corporations: Search Corporate Names · read October 20, 2026

    Used on: Maine

malegislature.gov

malegislature.gov · 3 sources · last read October 31, 2026

  1. Massachusetts General Laws chapter 107, section 3: rate of interest · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Massachusetts General Laws chapter 140, section 96: small loan business · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Massachusetts General Laws chapter 271, section 49: criminal usury · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Maryland Department of Assessments and Taxation

dat.maryland.gov · 1 source · last read October 20, 2026

  1. Maryland Department of Assessments and Taxation: Businesses (Business Entity Search; UCC Online) · read October 20, 2026

    Used on: Maryland

Maryland Department of Assessments and Taxation

egov.maryland.gov · 1 source · last read October 20, 2026

  1. Maryland Department of Assessments and Taxation: UCC Electronic Filing, Search & Retrieval (public filing and searches, paid by card without an account) · read October 20, 2026

    Used on: Maryland

Maryland Department of Labor

labor.maryland.gov · 1 source · last read October 20, 2026

  1. Maryland Department of Labor: Office of Financial Regulation · read October 20, 2026

    Used on: Maryland

Mass.gov

mass.gov · 1 source · last read October 20, 2026

  1. Mass.gov: Division of Banks (DOB) · read October 20, 2026

    Used on: Massachusetts

mgaleg.maryland.gov

mgaleg.maryland.gov · 5 sources · last read October 31, 2026

  1. Maryland Code, Commercial Law 12-101: definitions (commercial loan) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Maryland Code, Commercial Law 12-103: maximum rates of interest (subsection (e): loans to corporations and commercial loans) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Maryland Code, Financial Institutions 11-301: definitions (installment loan) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Maryland Code, Financial Institutions 11-302: scope and exemptions · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  5. Maryland Code, Financial Institutions 11-303: license required · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Michigan Department of Insurance and Financial Services

michigan.gov · 4 sources · last read October 20, 2026

  1. Michigan Department of Insurance and Financial Services: home page · read October 20, 2026

    Used on: Michigan

  2. Michigan Department of State: Uniform Commercial Code (UCC) (Free Debtor Name Quick Search) · read October 20, 2026

    Used on: Michigan

  3. Michigan LARA, Corporations, Securities & Commercial Licensing Bureau: Securities Division · read October 20, 2026

    Used on: Michigan

  4. Michigan LARA: Corporations, Securities & Commercial Licensing Bureau (Business entity search) · read October 20, 2026

    Used on: Michigan

Minnesota Department of Commerce

mn.gov · 2 sources · last read October 20, 2026

  1. Minnesota Department of Commerce, Licensing: Securities · read October 20, 2026

    Used on: Minnesota

  2. Minnesota Department of Commerce: home page (divisions include Financial Institutions) · read October 20, 2026

    Used on: Minnesota

Mississippi Department of Banking and Consumer Finance

dbcf.ms.gov · 2 sources · last read October 31, 2026

  1. Mississippi Department of Banking and Consumer Finance: Consumer Finance Division (small loan licensing under the Small Loan Regulatory Law, 75-67-101 et seq.) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Mississippi Department of Banking and Consumer Finance: home page · read October 20, 2026

    Used on: Mississippi

Mississippi Legislature

billstatus.ls.state.ms.us · 2 sources · last read October 31, 2026

  1. Mississippi Legislature: SB 2172 (2001), as sent to the Governor, Section 75-17-1 of the Mississippi Code as amended · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Mississippi Legislature: SB 2172 (2001), history of actions (approved by the Governor March 5, 2001) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Mississippi Secretary of State

sos.ms.gov · 3 sources · last read October 20, 2026

  1. Mississippi Secretary of State: Business Services (Business Search; UCC Search) · read October 20, 2026

    Used on: Mississippi

  2. Mississippi Secretary of State: Securities · read October 20, 2026

    Used on: Mississippi

  3. Mississippi Secretary of State: UCC Search (Public UCC Search; Subscription UCC Search) · read October 20, 2026

    Used on: Mississippi

Missouri Division of Finance

finance.mo.gov · 2 sources · last read October 20, 2026

  1. Missouri Division of Finance: consumer credit licensing (commercial financing registration and bond forms) · read October 17, 2026

    Used on: Business line of credit, E-commerce and payment platform finance, Invoice factoring, Merchant cash advance, Online business loans, Revenue-based finance

  2. Missouri Division of Finance: home page (banks and trusts, consumer credit lenders, mortgage licensing) · read October 20, 2026

    Used on: Missouri

Missouri Revisor of Statutes

revisor.mo.gov · 4 sources · last read October 31, 2026

  1. Missouri Revised Statutes 367.100: definitions (consumer credit loans, lender) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Missouri Revised Statutes 367.110: license required · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Revised Statutes of Missouri 408.035: unlimited interest, when allowed · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law · read October 17, 2026

    Used on: Accounts receivable financing, Business line of credit, Commercial real estate loans, E-commerce and payment platform finance, Equipment loans and finance agreements, Equipment leasing and sale-leaseback, Invoice factoring, Merchant cash advance, Online business loans, Revenue-based finance, Spot factoring (single invoices), Cost of factoring an invoice

Missouri Secretary of State

bsd.sos.mo.gov · 2 sources · last read November 1, 2026

  1. Missouri Secretary of State, Business Filings: Search for a Business Entity · read November 1, 2026

    Used on: Missouri

  2. Missouri Secretary of State: Welcome to the Missouri Online UCC Filing System (important notice) · read November 1, 2026

    Used on: Missouri

Missouri Secretary of State

sos.mo.gov · 1 source · last read November 1, 2026

  1. Missouri Secretary of State: Investor Protection & Securities (the Commissioner of Securities and the Securities Division) · read November 1, 2026

    Used on: Missouri

Montana Commissioner of Securities and Insurance

csimt.gov · 1 source · last read October 20, 2026

  1. Montana Commissioner of Securities and Insurance: Securities (the Securities Act of Montana) · read October 20, 2026

    Used on: Montana

Montana Department of Administration

doa.mt.gov · 1 source · last read October 20, 2026

  1. Montana Department of Administration: Banking and Financial Institutions Division · read October 20, 2026

    Used on: Montana

Montana Secretary of State

biz.sosmt.gov · 2 sources · last read November 1, 2026

  1. Montana Secretary of State: Business Search · read November 1, 2026

    Used on: Montana

  2. Montana Secretary of State: Liens Search · read November 1, 2026

    Used on: Montana

ncleg.gov

ncleg.gov · 4 sources · last read November 1, 2026

  1. North Carolina General Statutes 24-1.1: contract rates and fees · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. North Carolina General Statutes 24-9: loans exempt from rate and fee limitations · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. North Carolina General Statutes 53-166: North Carolina Consumer Finance Act, scope · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. North Carolina General Statutes chapter 66, article 20: Loan Brokers (66-106 to 66-112) · read November 1, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

NCUA

mapping.ncua.gov · 1 source · last read November 1, 2026

  1. NCUA: Credit Union Locator & Research a Credit Union · read November 1, 2026

    Used on: Check a lender or platform

NCUA

mycreditunion.gov · 1 source · last read October 20, 2026

  1. NCUA: MyCreditUnion.gov (Locate a Credit Union, Submit a Complaint) · read October 20, 2026

    Used on: Check a lender or platform

ndlegis.gov

ndlegis.gov · 1 source · last read October 30, 2026

  1. North Dakota Century Code chapter 13-04.1: money brokers (13-04.1-01.1, 13-04.1-02 and 13-04.1-02.1) · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Nebraska Department of Banking and Finance

ndbf.nebraska.gov · 1 source · last read October 20, 2026

  1. Nebraska Department of Banking and Finance: home page (financial institutions; securities) · read October 20, 2026

    Used on: Nebraska

Nebraska Secretary of State

sos.nebraska.gov · 3 sources · last read October 20, 2026

  1. Nebraska Secretary of State: home page (Corporate & Business Search) · read October 20, 2026

    Used on: Nebraska

  2. Nebraska Secretary of State: New Online Business Filing System (from December 7, 2026) · read October 20, 2026

    Used on: Nebraska

  3. Nebraska Secretary of State: UCC/EFS Search and Filing Center (UCC name search; document number search) · read October 20, 2026

    Used on: Nebraska

nebraskalegislature.gov

nebraskalegislature.gov · 7 sources · last read November 1, 2026

  1. Nebraska Revised Statutes 45-101.03: general interest rate; maximum · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Nebraska Revised Statutes 45-101.04: general interest rate; when not applicable · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Nebraska Revised Statutes 45-190: Loan brokers, terms defined · read November 1, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Nebraska Revised Statutes 45-191: Loan brokers, prohibited acts · read November 1, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  5. Nebraska Revised Statutes 45-191.02 to 45-191.04: filings, penalties and the right to cancel · read November 1, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  6. Nebraska Revised Statutes 45-191.07: violation of a loan brokerage agreement · read November 1, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  7. Nebraska Revised Statutes 45-335 and 45-336: Nebraska Installment Loan and Sales Act, definitions and license required · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Nevada Department of Business & Industry

fid.nv.gov · 1 source · last read October 20, 2026

  1. Nevada Department of Business & Industry: Financial Institutions Division (fid.nv.gov) · read October 20, 2026

    Used on: Nevada

Nevada Secretary of State

nvsos.gov · 3 sources · last read October 20, 2026

  1. Nevada Secretary of State: Public Database & Registry Searches (Business Entity Search; UCC; Securities) · read October 20, 2026

    Used on: Nevada

  2. Nevada Secretary of State: Securities (the Securities Division registers and oversees securities, brokers and dealers, and investment advisers) · read October 20, 2026

    Used on: Nevada

  3. Nevada Secretary of State: UCC Filings (UCC filings and searches on the ORION platform) · read October 20, 2026

    Used on: Nevada

New Hampshire Banking Department

banking.nh.gov · 1 source · last read October 20, 2026

  1. New Hampshire Banking Department: home page (consumer credit licensees and registrants; banks and credit unions) · read October 20, 2026

    Used on: New Hampshire

New Hampshire Secretary of State

sos.nh.gov · 3 sources · last read October 20, 2026

  1. New Hampshire Secretary of State: home page (Corporations: Business Search) · read October 20, 2026

    Used on: New Hampshire

  2. New Hampshire Secretary of State: Securities Regulation (Bureau of Securities Regulation) · read October 20, 2026

    Used on: New Hampshire

  3. New Hampshire Secretary of State: UCC and Statutory Liens · read October 20, 2026

    Used on: New Hampshire

New Jersey Bureau of Securities

njconsumeraffairs.gov · 1 source · last read October 20, 2026

  1. New Jersey Bureau of Securities: home page (Uniform Securities Law and regulations) · read October 20, 2026

    Used on: New Jersey

New Jersey Department of Banking and Insurance

nj.gov · 2 sources · last read October 20, 2026

  1. New Jersey Department of Banking and Insurance: home page · read October 20, 2026

    Used on: New Jersey

  2. NJ Division of Revenue & Enterprise Services: home page (links the online business name search) · read October 20, 2026

    Used on: New Jersey

New Mexico Secretary of State

sos.nm.gov · 2 sources · last read October 20, 2026

  1. New Mexico Secretary of State: Business Services (online filing portal at enterprise.sos.nm.gov) · read October 20, 2026

    Used on: New Mexico

  2. New Mexico Secretary of State: UCC Filings (UCC Filing Portal) · read October 20, 2026

    Used on: New Mexico

New York Attorney General

ag.ny.gov · 1 source · last read October 20, 2026

  1. New York Attorney General: Investments, Registration & Regulation (broker-dealer and securities issuer registration, investment advisers, investor protection) · read October 20, 2026

    Used on: New York

New York Department of State

appext20.dos.ny.gov · 1 source · last read November 1, 2026

  1. New York Department of State: notice at the old UCC search address (the Department has transitioned to a new UCC system) · read November 1, 2026

    Used on: New York

New York Department of State, Division of Corporations

apps.dos.ny.gov · 1 source · last read November 1, 2026

  1. New York Department of State, Division of Corporations: Search Our Corporation and Business Entity Database · read November 1, 2026

    Used on: New York

New York State Department of Financial Services

dfs.ny.gov · 1 source · last read November 1, 2026

  1. New York State Department of Financial Services: About Us · read November 1, 2026

    Used on: New York

New York State Senate (New York laws)

nysenate.gov · 11 sources · last read October 30, 2026

  1. New York Banking Law 14-a: the maximum rate is 16% a year · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. New York Civil Practice Law and Rules section 3218: judgment by confession · read October 17, 2026

    Used on: Merchant cash advance, Glossary

  3. New York Financial Services Law section 801: definitions (sales-based financing) · read October 17, 2026

    Used on: E-commerce and payment platform finance, Equipment loans and finance agreements, Equipment leasing and sale-leaseback, Revenue-based finance, Glossary

  4. New York Financial Services Law section 802: exemptions · read October 17, 2026

    Used on: Accounts receivable financing, Business line of credit, Commercial real estate loans, E-commerce and payment platform finance, Equipment loans and finance agreements, Invoice factoring, Merchant cash advance, Online business loans, Revenue-based finance, Spot factoring (single invoices)

  5. New York Financial Services Law section 803: sales-based financing disclosures · read October 17, 2026

    Used on: E-commerce and payment platform finance, Merchant cash advance, Revenue-based finance, Cost of a merchant cash advance or revenue-based finance

  6. New York Financial Services Law section 804: closed-end commercial financing disclosure requirements · read October 17, 2026

    Used on: Equipment loans and finance agreements, Online business loans, True cost of a loan, Glossary

  7. New York Financial Services Law section 805: open-end commercial financing disclosures · read October 17, 2026

    Used on: Accounts receivable financing, Business line of credit

  8. New York Financial Services Law section 806: factoring transaction disclosures · read October 17, 2026

    Used on: Invoice factoring, Spot factoring (single invoices), Cost of factoring an invoice

  9. New York General Obligations Law 5-501: rate of interest; usury forbidden (subdivision 6: loans of $250,000 and $2.5 million or more) · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  10. New York General Obligations Law 5-521: corporations may not plead usury, except criminal usury · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  11. New York Penal Law 190.40: criminal usury in the second degree (over 25% a year) · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

NJ Department of the Treasury, Division of Revenue & Enterprise Services

njportal.com · 2 sources · last read October 20, 2026

  1. NJ Department of the Treasury, Division of Revenue & Enterprise Services: Business Name Search (Search Registered Businesses) · read October 20, 2026

    Used on: New Jersey

  2. NJ Division of Revenue & Enterprise Services: UCC Online Services (submit financing statements, search the UCC database) · read October 20, 2026

    Used on: New Jersey

NM Regulation & Licensing Department

rld.nm.gov · 2 sources · last read October 20, 2026

  1. NM Regulation & Licensing Department: Financial Institutions Division · read October 20, 2026

    Used on: New Mexico

  2. NM Regulation & Licensing Department: Securities Division (protecting investors and regulating the securities industry) · read October 20, 2026

    Used on: New Mexico

nmlsconsumeraccess.org

nmlsconsumeraccess.org · 1 source · last read October 20, 2026

  1. NMLS Consumer Access · read October 20, 2026

    Used on: Check a lender or platform

nmonesource.com

nmonesource.com · 2 sources · last read October 31, 2026

  1. New Mexico Statutes 56-8-9: excessive charges prohibited; applicability of maximum rates (official compilation, NMOneSource) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. New Mexico Statutes 58-15-2 and 58-15-3: New Mexico Small Loan Act of 1955, definitions and license required (official compilation, NMOneSource) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

North Carolina Office of the Commissioner of Banks

nccob.nc.gov · 1 source · last read November 1, 2026

  1. North Carolina Office of the Commissioner of Banks: home page · read November 1, 2026

    Used on: North Carolina

North Carolina Secretary of State

sosnc.gov · 3 sources · last read October 20, 2026

  1. North Carolina Secretary of State: home page (Search Business Entities) · read October 20, 2026

    Used on: North Carolina

  2. North Carolina Secretary of State: Securities (Securities Division) · read October 20, 2026

    Used on: North Carolina

  3. North Carolina Secretary of State: Uniform Commercial Code (the section gives notice of security interests in personal property under Chapter 25, Article 9) · read October 20, 2026

    Used on: North Carolina

North Dakota Department of Financial Institutions

nd.gov · 1 source · last read October 20, 2026

  1. North Dakota Department of Financial Institutions: home page · read October 20, 2026

    Used on: North Dakota

North Dakota Insurance Department

insurance.nd.gov · 1 source · last read October 20, 2026

  1. North Dakota Insurance Department: home page (Securities: enforcement actions, broker-dealer, agent and investment adviser registration) · read October 20, 2026

    Used on: North Dakota

North Dakota Secretary of State

sos.nd.gov · 2 sources · last read October 20, 2026

  1. North Dakota Secretary of State: Lien Searches (North Dakota Central Indexing System; public search without a login) · read October 20, 2026

    Used on: North Dakota

  2. North Dakota Secretary of State: Records Searches (search for registered businesses using the FirstStop Portal) · read October 20, 2026

    Used on: North Dakota

Office of the Comptroller of the Currency (OCC)

occ.treas.gov · 6 sources · last read October 21, 2026

  1. OCC Bulletin 2025-45: Commercial Lending, Venture Loans to Companies in an Early, Expansion, or Late Stage of Corporate Development (December 5, 2025) · read October 20, 2026

    Used on: Venture debt, Money for technology businesses, Glossary

  2. OCC Comptroller's Handbook: Accounts Receivable and Inventory Financing (factoring) · read October 21, 2026

    Used on: Accounts receivable financing, Inventory and floor plan financing, Invoice factoring, Spot factoring (single invoices), Money for business services, Money for consumer product brands, Money for restaurants, hospitality and retail, Cost of factoring an invoice, Glossary

  3. OCC Comptroller's Handbook: Commercial Real Estate Lending (version 2.0, March 2022): bridge loans · read October 20, 2026

    Used on: Bridge and hard money loans, Commercial real estate loans, Money for construction businesses, Money for real estate businesses, Glossary

  4. OCC Comptroller's Handbook: Floor Plan Lending (version 1.2, January 27, 2017) · read October 20, 2026

    Used on: Inventory and floor plan financing, Money for restaurants, hospitality and retail, Glossary

  5. OCC Comptroller's Handbook: Lease Financing (version 2.0): the dollar-out lease and residual value · read October 21, 2026

    Used on: Equipment leasing and sale-leaseback, Equipment finance agreement or lease, Glossary

  6. OCC: Comptroller's Handbook, Asset-Based Lending (version 1.1, January 27, 2017) · read October 20, 2026

    Used on: Asset-based lending, Waiting for customers to pay, Glossary

Office of the Governor of Georgia

gov.georgia.gov · 1 source · last read October 31, 2026

  1. Office of the Governor of Georgia: 2020 signed legislation, SB 462 (Georgia Installment Loan Act), Code Sections 7-3-3, 7-3-4 and 7-3-6 as amended · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Office of the Minnesota Secretary of State

mblsportal.sos.mn.gov · 2 sources · last read October 20, 2026

  1. Office of the Minnesota Secretary of State: Business Filings Online (search by business name or file number) · read October 20, 2026

    Used on: Minnesota

  2. Office of the Minnesota Secretary of State: UCC / Tax Liens Online · read October 20, 2026

    Used on: Minnesota

Ohio Department of Commerce

com.ohio.gov · 2 sources · last read October 20, 2026

  1. Ohio Department of Commerce: Financial Institutions (DFI) · read October 20, 2026

    Used on: Ohio

  2. Ohio Department of Commerce: Securities · read October 20, 2026

    Used on: Ohio

Ohio Secretary of State

businesssearch.ohiosos.gov · 1 source · last read November 1, 2026

  1. Ohio Secretary of State: Business Search · read November 1, 2026

    Used on: Ohio

Ohio Secretary of State

ohiosos.gov · 2 sources · last read November 1, 2026

  1. Ohio Secretary of State: Business Services (Business Search) · read November 1, 2026

    Used on: Ohio

  2. Ohio Secretary of State: UCC Online Services (file and search UCC records) · read November 1, 2026

    Used on: Ohio

Oklahoma Banking Department

oklahoma.gov · 2 sources · last read October 20, 2026

  1. Oklahoma Banking Department: home page · read October 20, 2026

    Used on: Oklahoma

  2. Oklahoma Department of Consumer Credit: home page (the licenses it regulates) · read October 20, 2026

    Used on: Oklahoma

Oklahoma County

oklahomacounty.org · 1 source · last read November 1, 2026

  1. Oklahoma County: Uniform Commercial Code (UCC), the UCC Central Filing Office in the Offices of the Oklahoma County Clerk · read November 1, 2026

    Used on: Oklahoma

Oklahoma County Clerk

okcc.online · 1 source · last read November 1, 2026

  1. Oklahoma County Clerk: OKCC.ONLINE, public access to Oklahoma County real estate and UCC records · read November 1, 2026

    Used on: Oklahoma

Oklahoma Department of Securities

securities.ok.gov · 1 source · last read October 20, 2026

  1. Oklahoma Department of Securities: home page (regulates securities activity in Oklahoma) · read October 20, 2026

    Used on: Oklahoma

Oklahoma Secretary of State

sos.ok.gov · 1 source · last read October 20, 2026

  1. Oklahoma Secretary of State: Business Services (Search: Business Entity) · read October 20, 2026

    Used on: Oklahoma

oklegislature.gov

oklegislature.gov · 2 sources · last read November 1, 2026

  1. Oklahoma Statutes title 14A, sections 3-605, 5-107, 3-104, 3-501 and 3-502: Uniform Consumer Credit Code, finance charge for other loans and supervised lenders · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Oklahoma Statutes, Title 12A, section 1-9-501 (filing office: "the office of the county clerk of Oklahoma County, in all other cases") · read November 1, 2026

    Used on: Oklahoma

olls.info

olls.info · 2 sources · last read October 31, 2026

  1. Colorado Revised Statutes 2026, title 18: section 18-15-104, criminal usury · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Colorado Revised Statutes 2026, title 5: sections 5-12-101, 5-12-103, 5-12-107 (commercial credit plans), 5-1-301 (consumer loan, supervised loan) and 5-2-301 · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Oregon Division of Financial Regulation

dfr.oregon.gov · 1 source · last read October 20, 2026

  1. Oregon Division of Financial Regulation: home page (financial services; securities and investments; non-depository programs) · read October 20, 2026

    Used on: Oregon

Oregon Secretary of State

sos.oregon.gov · 2 sources · last read October 20, 2026

  1. Oregon Secretary of State: Find a Business (business name search; active business registration records) · read October 20, 2026

    Used on: Oregon

  2. Oregon Secretary of State: Uniform Commercial Code (UCC) (Search for a UCC Record) · read October 20, 2026

    Used on: Oregon

oregonlegislature.gov

oregonlegislature.gov · 2 sources · last read October 31, 2026

  1. Oregon Revised Statutes 725.010, 725.045 and 725.340: Oregon Consumer Finance Act, definitions, license required and interest · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Oregon Revised Statutes 82.010 and 82.025: legal rate of interest; exemptions · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

palegis.us

palegis.us · 2 sources · last read October 31, 2026

  1. Pennsylvania Consumer Discount Company Act (Act 66 of 1937), section 3: license required · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Pennsylvania Loan Interest and Protection Law (Act 6 of 1974), section 201: maximum lawful interest rate · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Pennsylvania DCED

dced.pa.gov · 1 source · last read October 20, 2026

  1. Pennsylvania DCED: PEDFA Tax-Exempt Bond Program · read October 20, 2026

    Used on: Industrial revenue bonds (small issue bonds)

Pennsylvania Department of State

pa.gov · 3 sources · last read October 20, 2026

  1. Pennsylvania Department of Banking and Securities: home page · read October 20, 2026

    Used on: Pennsylvania

  2. Pennsylvania Department of State: Business (Business Name Search) · read October 20, 2026

    Used on: Pennsylvania

  3. Pennsylvania Department of State: Uniform Commercial Code (UCC) (filing, and the fee for a search request) · read October 20, 2026

    Used on: Pennsylvania

revisor.mn.gov

revisor.mn.gov · 7 sources · last read October 31, 2026

  1. Minnesota Statutes 2025, section 80A.46: exempt transactions · read October 20, 2026

    Used on: Co-op member shares and community offerings

  2. Minnesota Statutes 2025, section 80A.461: MNvest exemption · read October 20, 2026

    Used on: Co-op member shares and community offerings, Intrastate offerings and state crowdfunding

  3. Minnesota Statutes 334.01: rate of interest (subdivision 2: contracts of $100,000 or more) · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Minnesota Statutes 334.011: rates of interest on business and agricultural loans · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  5. Minnesota Statutes 334.022: credit to organizations · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  6. Minnesota Statutes 56.01: necessity of license (Minnesota Regulated Loan Act) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  7. Minnesota Statutes 56.131: maximum rates and charges (loans up to $100,000) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Rhode Island Department of Business Regulation

dbr.ri.gov · 3 sources · last read November 1, 2026

  1. Rhode Island Department of Business Regulation: All Other Licensees (lender, small loan lender and loan broker licenses, through NMLS) · read November 1, 2026

    Used on: Rhode Island

  2. Rhode Island Department of Business Regulation: Banking · read November 1, 2026

    Used on: Rhode Island

  3. Rhode Island Department of Business Regulation: Securities (administers the state's securities laws; investor complaints) · read November 1, 2026

    Used on: Rhode Island

Rhode Island Department of State

sos.ri.gov · 2 sources · last read October 20, 2026

  1. Rhode Island Department of State: Business Services (Search the Corporate Database) · read October 20, 2026

    Used on: Rhode Island

  2. Rhode Island Department of State: UCC (Search the UCC Database to search and view registered financing statements) · read October 20, 2026

    Used on: Rhode Island

SBIR.gov

sbir.gov · 4 sources · last read October 18, 2026

  1. SBIR.gov: About SBIR and STTR · read October 18, 2026

    Used on: SBIR and STTR research awards, Money for life sciences businesses, Not making sales yet, Research and development, Money for technology businesses, Glossary

  2. SBIR.gov: Frequently asked questions · read October 17, 2026

    Used on: SBIR and STTR research awards

  3. SBIR.gov: How to apply (phases and eligibility) · read October 17, 2026

    Used on: SBIR and STTR research awards, Money for life sciences businesses

  4. SBIR.gov: Participating agencies · read October 17, 2026

    Used on: SBIR and STTR research awards

scstatehouse.gov

scstatehouse.gov · 3 sources · last read October 31, 2026

  1. South Carolina Code 34-36-10 to 34-36-50: loan brokers (advance fees prohibited) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. South Carolina Code 37-10-106: maximum rate of interest (any rate by express written agreement) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. South Carolina Code 37-3-104, 37-3-501 and 37-3-502: consumer loan and supervised loan defined; license to make supervised loans · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

sdlegislature.gov

sdlegislature.gov · 8 sources · last read October 30, 2026

  1. South Dakota Codified Laws 54-4-36: definitions (business of lending money; loan) · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. South Dakota Codified Laws 54-4-37: banks and other federally insured financial institutions exempt · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. South Dakota Codified Laws 54-4-37.1: five or fewer loans in twelve months, up to $4 million outstanding · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. South Dakota Codified Laws 54-4-44: 36% maximum finance charge for licensees · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  5. South Dakota Codified Laws 54-4-44.4: business-to-business lending exempt from the maximum · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  6. South Dakota Codified Laws 54-4-52: license required to engage in the business of lending money · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  7. South Dakota Codified Laws 54-4-64: sellers financing their own goods or services · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  8. South Dakota Codified Laws 54-4-76: loans by unlicensed lenders uncollectible except for principal · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

SEC

adviserinfo.sec.gov · 1 source · last read October 20, 2026

  1. SEC: Investment Adviser Public Disclosure · read October 20, 2026

    Used on: Check a lender or platform

SEC (Investor.gov)

investor.gov · 4 sources · last read October 20, 2026

  1. SEC (Investor.gov): Check Out Your Investment Professional · read October 20, 2026

    Used on: Check a lender or platform

  2. SEC (Investor.gov): State Securities Regulators · read October 20, 2026

    Used on: Check a lender or platform

  3. SEC (Investor.gov): Using BrokerCheck · read October 20, 2026

    Used on: Check a lender or platform

  4. SEC Office of Investor Education and Advocacy: Investor Bulletin, Be Cautious of SAFEs in Crowdfunding (May 9, 2017; describes convertible notes) · read October 17, 2026

    Used on: Convertible notes, SAFEs (simple agreements for future equity), Glossary

Secretary of the Commonwealth of Massachusetts

sec.state.ma.us · 2 sources · last read October 20, 2026

  1. Secretary of the Commonwealth of Massachusetts: Corporations Division (Search the UCC Database; Search the Liens Database) · read October 20, 2026

    Used on: Massachusetts

  2. Secretary of the Commonwealth of Massachusetts: Massachusetts Securities Division · read October 20, 2026

    Used on: Massachusetts

Secretary of the Commonwealth of Massachusetts, Corporations

corp.sec.state.ma.us · 1 source · last read October 20, 2026

  1. Secretary of the Commonwealth of Massachusetts, Corporations: Search for a Business Entity · read October 20, 2026

    Used on: Massachusetts

U.S. Securities and Exchange Commission (SEC)

sec.gov · 44 sources · last read October 31, 2026

  1. SEC Divisions of Corporation Finance, Investment Management, and Trading and Markets: Statement on Tokenized Securities (January 28, 2026) · read October 17, 2026

    Used on: Tokenized securities, Glossary

  2. SEC EDGAR: a convertible promissory note filed as an exhibit (2023): principal and simple interest converting at the lower of a capped price and a discount price · read October 21, 2026

    Used on: SAFEs and notes in your next round

  3. SEC EDGAR: a master factoring agreement filed as an exhibit (2005): discount fee by days outstanding, minimum fee, advance rate, minimum volume fee and exit fee · read October 21, 2026

    Used on: Cost of factoring an invoice

  4. SEC EDGAR: annual report on Form 10-K for 2025 of a business development company that makes venture loans (loan terms, end-of-term payments, warrant coverage) · read October 20, 2026

    Used on: Venture debt, Glossary

  5. SEC fact sheet, Release 33-11412: application of the federal securities laws to certain types of crypto assets and certain transactions involving crypto assets · read October 20, 2026

    Used on: Token offerings

  6. SEC Office of the Advocate for Small Business Capital Formation: annual report, fiscal year 2024 (common funding sources by business stage) · read October 20, 2026

    Used on: Corporate venture capital, Family offices

  7. SEC Office of the Advocate for Small Business Capital Formation: What is a private secondary market? · read October 20, 2026

    Used on: Private share sales and tender offers, Glossary

  8. SEC press release 2020-212: SEC adopts amendments to modernize Rule 15c2-11 · read October 20, 2026

    Used on: Over-the-counter (OTC) quotation

  9. SEC press release 2026-30: SEC clarifies the application of federal securities laws to crypto assets (March 17, 2026) · read October 20, 2026

    Used on: Token offerings, Tokenized securities

  10. SEC press release 2026-76: SEC proposes new Regulation Crypto Assets (August 18, 2026) · read October 20, 2026

    Used on: Token offerings, Tokenized securities

  11. SEC press release 2026-90: innovation exemption for trading tokenized NMS stock (September 17, 2026) · read October 17, 2026

    Used on: Tokenized securities

  12. SEC Release 33-11446: potential designation of the US CPA license for accredited investor status · read October 17, 2026

    Used on: Angel investors

  13. SEC: Accredited investors · read October 17, 2026

    Used on: Angel investors

  14. SEC: Broker-dealers (when someone paid to help find investors must register) · read October 20, 2026

    Used on: Angel investors, Family offices, Private share sales and tender offers, Glossary

  15. SEC: Common startup securities (SAFEs and convertible notes) · read October 21, 2026

    Used on: Convertible notes, Donation crowdfunding, Rewards crowdfunding, SAFEs (simple agreements for future equity), SAFEs and notes in your next round, Glossary

  16. SEC: Consequences of noncompliance (rescission) · read October 20, 2026

    Used on: Friends and family, Token offerings, Glossary

  17. SEC: Crypto assets and the federal securities laws · read October 20, 2026

    Used on: Token offerings, Tokenized securities, Glossary

  18. SEC: Early-stage investors (friends and family, angels, venture capital) · read October 20, 2026

    Used on: Angel investors, Corporate venture capital, Friends and family, Venture capital, Not making sales yet, Money for technology businesses

  19. SEC: Emerging growth companies · read October 17, 2026

    Used on: Stock exchange listing (IPO, direct listing or SPAC), Money for life sciences businesses, Glossary

  20. SEC: Exempt offerings (Regulation D and Form D) · read October 20, 2026

    Used on: Angel investors, Convertible notes, Corporate bonds and private placements of debt, Corporate venture capital, Family offices, Friends and family, SAFEs (simple agreements for future equity), Venture capital, Glossary

  21. SEC: Exit strategies and liquidity · read October 20, 2026

    Used on: Management buyout, Private equity, Private share sales and tender offers

  22. SEC: Form PF (glossary: private equity fund, controlled portfolio company, leveraged loans) · read October 20, 2026

    Used on: Private equity

  23. SEC: Frequently asked questions about exempt offerings (anti-fraud rules and state law) · read October 17, 2026

    Used on: Angel investors, Regulation A offerings, Regulation Crowdfunding

  24. SEC: General solicitation · read October 17, 2026

    Used on: Angel investors

  25. SEC: General solicitation, Rule 506(c) · read October 18, 2026

    Used on: Glossary

  26. SEC: Intrastate offerings (Section 3(a)(11), Rules 147 and 147A) · read October 20, 2026

    Used on: Co-op member shares and community offerings, Intrastate offerings and state crowdfunding, Glossary

  27. SEC: Listing standards · read October 17, 2026

    Used on: Stock exchange listing (IPO, direct listing or SPAC)

  28. SEC: Private funds (how private funds raise money and who regulates their advisers) · read October 20, 2026

    Used on: Management buyout, Private credit and mezzanine debt, Private equity

  29. SEC: Private placements, Rule 506(b) · read October 17, 2026

    Used on: Friends and family, Glossary

  30. SEC: Public companies (registration, reporting and listing) · read October 17, 2026

    Used on: Stock exchange listing (IPO, direct listing or SPAC), Glossary

  31. SEC: Publication or Submission of Quotations Without Specified Information, final rule (Release 34-89891, effective December 28, 2020) · read October 20, 2026

    Used on: Over-the-counter (OTC) quotation

  32. SEC: Raising later-stage capital (which owners are diluted; anti-dilution provisions; employee equity plans) · read October 31, 2026

    Used on: Private equity, Ownership after each round

  33. SEC: Ready to go public? · read October 17, 2026

    Used on: Stock exchange listing (IPO, direct listing or SPAC)

  34. SEC: Regulation A · read October 18, 2026

    Used on: Regulation A offerings, Glossary

  35. SEC: Regulation A, Guidance for Issuers · read October 17, 2026

    Used on: Regulation A offerings

  36. SEC: Regulation Crowdfunding · read October 18, 2026

    Used on: Regulation Crowdfunding, Glossary

  37. SEC: Regulation Crowdfunding, Guidance for Issuers · read October 17, 2026

    Used on: Regulation Crowdfunding, Glossary

  38. SEC: Report Suspected Securities Fraud or Wrongdoing · read October 20, 2026

    Used on: Check a lender or platform

  39. SEC: Rule 144, selling restricted and control securities · read October 20, 2026

    Used on: Private share sales and tender offers, Glossary

  40. SEC: Rule 504 of Regulation D (offerings up to $10 million) · read October 20, 2026

    Used on: Co-op member shares and community offerings, Friends and family, Glossary

  41. SEC: Search Filings (EDGAR company search) · read October 20, 2026

    Used on: Check a lender or platform

  42. SEC: Small business glossary (dilution; valuation, with a pre-money and post-money example; preferred stock and anti-dilution protection; stock options) · read October 31, 2026

    Used on: Prize competitions and accelerators, Ownership after each round, Glossary

  43. SEC: Types of registered offerings (IPO, SPAC and direct listing) · read October 17, 2026

    Used on: Stock exchange listing (IPO, direct listing or SPAC), Glossary

  44. SEC: What is Form D? · read October 17, 2026

    Used on: Angel investors

US Senate

senate.gov · 1 source · last read October 17, 2026

  1. US Senate: roll call vote 234, 119th Congress, 2nd session (September 15, 2026): cloture on the motion to proceed to H.R. 3633, rejected 49 to 50 · read October 17, 2026

    Used on: Token offerings, Tokenized securities

U.S. Small Business Administration (SBA)

sba.gov · 23 sources · last read October 20, 2026

  1. SBA: 504 loans · read October 17, 2026

    Used on: Commercial real estate loans, Equipment loans and finance agreements, SBA 504 loans, Money for manufacturers, Glossary

  2. SBA: 7(a) loans · read October 20, 2026

    Used on: Business line of credit, SBA 7(a) loans, SBA Express loans, SBA lines of credit (CAPLines and others), Buying a business, Glossary

  3. SBA: 7(a) terms, conditions and eligibility (loan amounts and guaranty) · read October 17, 2026

    Used on: Business line of credit, SBA 7(a) loans, Glossary

  4. SBA: Administrator applauds SBIR-STTR reauthorization (April 13, 2026) · read October 17, 2026

    Used on: SBIR and STTR research awards

  5. SBA: Basic requirements for government contracting (UEI, SAM registration, cost of a first contract) · read October 20, 2026

    Used on: Federal contractors

  6. SBA: Disaster recovery (loan types, eligibility, terms and collateral) · read October 17, 2026

    Used on: SBA disaster loans, After a disaster, Glossary

  7. SBA: Form 1244, Application for Section 504 Loans · read October 20, 2026

    Used on: Glossary

  8. SBA: Form 1919, Borrower Information Form · read October 20, 2026

    Used on: Glossary

  9. SBA: Form 413, Personal Financial Statement · read October 20, 2026

    Used on: Glossary

  10. SBA: Get started with contracting (size standards, NAICS codes, Unique Entity Identifier) · read October 18, 2026

    Used on: Glossary

  11. SBA: Grants (SBA does not provide grants for starting and expanding a business) · read October 20, 2026

    Used on: State and local grants

  12. SBA: Investment capital (Small Business Investment Companies) · read October 20, 2026

    Used on: Private credit and mezzanine debt, Private equity

  13. SBA: Launch your business (business structures and the documents to file) · read October 20, 2026

    Used on: Glossary

  14. SBA: Lender Match (more than 800 lenders, all offering SBA-approved loans) · read October 20, 2026

    Used on: Check a lender or platform

  15. SBA: List of Certified Development Companies · read October 20, 2026

    Used on: Check a lender or platform

  16. SBA: List of microlenders · read October 20, 2026

    Used on: Check a lender or platform

  17. SBA: Microloans (amounts, uses, rates, term, intermediaries) · read October 17, 2026

    Used on: SBA Microloans, Glossary

  18. SBA: Plan your business (fund your business: small business loans and Lender Match) · read October 17, 2026

    Used on: Bank and credit union term loans, Rewards crowdfunding, Venture capital, Turned down by a bank, Glossary

  19. SBA: Report fraud or identity theft · read October 20, 2026

    Used on: Check a lender or platform

  20. SBA: SOP 50 10 8.1, Lender and Development Company Loan Programs (effective October 1, 2026): loans to ESOPs · read October 20, 2026

    Used on: Employee stock ownership plan (ESOP), Inventory and floor plan financing, Management buyout, Purchase order and contract financing, Retirement savings in your business (ROBS), SBA 504 loans, SBA 7(a) loans, SBA export loans, SBA Express loans, SBA lines of credit (CAPLines and others), Seller financing (when buying a business), Money for business services, Buying a business, Money for construction businesses, Money for manufacturers, Glossary

  21. SBA: State Trade Expansion Program (STEP), including the directory of state awardees · read October 20, 2026

    Used on: State export grants (STEP), Exporting

  22. SBA: Trade tools for international sales (export finance programs) · read October 20, 2026

    Used on: SBA export loans, State export grants (STEP), Exporting

  23. SBA: Types of 7(a) loans (SBA Express) · read October 20, 2026

    Used on: SBA Express loans

South Carolina Attorney General

scag.gov · 1 source · last read October 20, 2026

  1. South Carolina Attorney General: Securities (Securities Division; check a registration) · read October 20, 2026

    Used on: South Carolina

South Carolina Office of the Commissioner of Banking

banking.sc.gov · 1 source · last read November 1, 2026

  1. South Carolina Office of the Commissioner of Banking: home page (state-chartered banks, savings banks, savings and loan associations, credit unions and trust companies) · read November 1, 2026

    Used on: South Carolina

South Carolina Office of the Commissioner of Consumer Finance

consumerfinance.sc.gov · 1 source · last read November 1, 2026

  1. South Carolina Office of the Commissioner of Consumer Finance: home page · read November 1, 2026

    Used on: South Carolina

South Carolina Secretary of State

sos.sc.gov · 3 sources · last read November 1, 2026

  1. South Carolina Secretary of State: Business Entities, File and Search Online · read November 1, 2026

    Used on: South Carolina

  2. South Carolina Secretary of State: Searches (Business Entities Search) · read November 1, 2026

    Used on: South Carolina

  3. South Carolina Secretary of State: UCC File and Search Online · read November 1, 2026

    Used on: South Carolina

South Dakota Department of Labor and Regulation

dlr.sd.gov · 2 sources · last read October 20, 2026

  1. South Dakota Department of Labor and Regulation: Division of Banking · read October 20, 2026

    Used on: South Dakota

  2. South Dakota Department of Labor and Regulation: Securities Regulation · read October 20, 2026

    Used on: South Dakota

South Dakota Secretary of State

sdsos.gov · 1 source · last read October 20, 2026

  1. South Dakota Secretary of State: Business Services (Search for a Business) · read October 20, 2026

    Used on: South Dakota

South Dakota Secretary of State

sosenterprise.sd.gov · 1 source · last read October 20, 2026

  1. South Dakota Secretary of State: UCC Services (UCC2 Certified Search Request; account holders search online) · read October 20, 2026

    Used on: South Dakota

statutes.capitol.texas.gov

statutes.capitol.texas.gov · 3 sources · last read October 31, 2026

  1. Texas Finance Code chapter 303: optional rate ceilings (303.009: never below 18% or above 28% a year for business credit) · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Texas Finance Code chapter 306: commercial transactions · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Invoice factoring, Online business loans, Spot factoring (single invoices)

  3. Texas Finance Code chapter 342 (342.005: loans the chapter covers; 342.051: license required) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Tennessee Department of Commerce & Insurance

tn.gov · 3 sources · last read October 31, 2026

  1. Tennessee Department of Commerce & Insurance: The Tennessee Securities Division · read October 20, 2026

    Used on: Tennessee

  2. Tennessee Department of Financial Institutions (TDFI): home page · read October 20, 2026

    Used on: Tennessee

  3. Tennessee Department of Financial Institutions: rates of interest (the maximum effective formula rate, announced each week) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Invoice factoring, Online business loans, Spot factoring (single invoices)

Tennessee Secretary of State

tncab.tnsos.gov · 3 sources · last read November 1, 2026

  1. Tennessee Secretary of State: Business Entity Search · read October 20, 2026

    Used on: Tennessee

  2. Tennessee Secretary of State: Searches (UCC Database Search, Unofficial) · read November 1, 2026

    Used on: Tennessee

  3. Tennessee Secretary of State: UCC Debtor Search · read November 1, 2026

    Used on: Tennessee

Texas Department of Banking

dob.texas.gov · 1 source · last read October 20, 2026

  1. Texas Department of Banking: home page · read October 20, 2026

    Used on: Texas

Texas Legislature

capitol.texas.gov · 1 source · last read October 17, 2026

  1. Texas HB 700 (2025), enrolled: Finance Code Chapter 398, commercial sales-based financing · read October 17, 2026

    Used on: E-commerce and payment platform finance, Merchant cash advance, Revenue-based finance, Glossary

Texas Office of Consumer Credit Commissioner

occc.texas.gov · 3 sources · last read October 30, 2026

  1. Texas Office of Consumer Credit Commissioner: Commercial Sales Based Finance (registration through NMLS) · read October 20, 2026

    Used on: Check a lender or platform

  2. Texas Office of Consumer Credit Commissioner: home page (regulates non-bank financial services) · read October 20, 2026

    Used on: Texas

  3. Texas Office of Consumer Credit Commissioner: interest rates (weekly ceiling) · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Texas Secretary of State

sos.state.tx.us · 2 sources · last read October 20, 2026

  1. Texas Secretary of State: About the Uniform Commercial Code Section (the SOS UCC Portal needs an SOSPortal account) · read October 20, 2026

    Used on: Texas

  2. Texas Secretary of State: SOSPortal, Business Filings (a $1.00 statutorily authorized fee for each search) · read October 20, 2026

    Used on: Texas

Texas State Securities Board

ssb.texas.gov · 1 source · last read October 20, 2026

  1. Texas State Securities Board: home page · read October 20, 2026

    Used on: Texas

ucc-efiling.dos.ny.gov

ucc-efiling.dos.ny.gov · 1 source · last read November 1, 2026

  1. New York Department of State, Division of Corporations, State Records and Uniform Commercial Code: UCC online system (Lien Search) · read November 1, 2026

    Used on: New York

USA.gov

usa.gov · 4 sources · last read October 20, 2026

  1. USA.gov: Challenges and prize competitions · read October 20, 2026

    Used on: Prize competitions and accelerators

  2. USA.gov: Government grants and loans · read October 20, 2026

    Used on: State and local grants

  3. USA.gov: How to start and fund your own business (no federal grants for starting a business) · read October 20, 2026

    Used on: State and local grants

  4. USAGov: State attorneys general · read October 20, 2026

    Used on: Check a lender or platform

USDA Farm Service Agency

fsa.usda.gov · 5 sources · last read October 20, 2026

  1. USDA Farm Service Agency: Current FSA loan interest rates (effective October 1, 2026) · read October 20, 2026

    Used on: USDA farm loans (Farm Service Agency)

  2. USDA Farm Service Agency: Farm Operating Loans · read October 20, 2026

    Used on: USDA farm loans (Farm Service Agency)

  3. USDA Farm Service Agency: Farm Ownership Loans · read October 20, 2026

    Used on: USDA farm loans (Farm Service Agency), Money for farms and ranches

  4. USDA Farm Service Agency: Guaranteed Farm Loans (limits, guarantee, eligibility, family farm) · read October 20, 2026

    Used on: USDA farm loans (Farm Service Agency), Money for farms and ranches, Glossary

  5. USDA Farm Service Agency: Operating Microloan · read October 20, 2026

    Used on: USDA farm loans (Farm Service Agency)

USDA Rural Development

rd.usda.gov · 3 sources · last read October 20, 2026

  1. USDA Rural Development: Business and Industry Guaranteed Loan · read October 20, 2026

    Used on: USDA Business and Industry loan guarantees, Rural businesses

  2. USDA Rural Development: Rural Energy for America Program, renewable energy systems and energy efficiency improvement grants and guaranteed loans · read October 20, 2026

    Used on: USDA grants for rural businesses and farmers, Money for energy and environmental projects, Rural businesses

  3. USDA Rural Development: Value-Added Producer Grants · read October 20, 2026

    Used on: USDA grants for rural businesses and farmers, Rural businesses

Utah Department of Commerce, Division of Corporations and Commercial Code

commerce.utah.gov · 2 sources · last read November 1, 2026

  1. Utah Department of Commerce, Division of Corporations and Commercial Code: Searches · read November 1, 2026

    Used on: Utah

  2. Utah Department of Commerce, Division of Securities: home page (licenses, corporate finance, enforcement, Check Before You Invest) · read November 1, 2026

    Used on: Utah

Utah Department of Financial Institutions

dfi.utah.gov · 1 source · last read October 20, 2026

  1. Utah Department of Financial Institutions: home page (banks, credit unions, industrial banks, non-depository consumer lenders) · read October 20, 2026

    Used on: Utah

Utah Legislature

le.utah.gov · 5 sources · last read October 31, 2026

  1. Utah Code 15-1-1: interest rates, contracted rate, legal rate · read October 30, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Utah Code 7-27-102: application of the Commercial Financing Registration and Disclosure Act · read October 20, 2026

    Used on: Commercial real estate loans, Equipment leasing and sale-leaseback, Inventory and floor plan financing

  3. Utah Code 70C-1-301: terms have their meaning in the federal Consumer Credit Protection Act · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  4. Utah Code 70C-8-202: notification · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  5. Utah Code Title 7, Chapter 27: Commercial Financing Registration and Disclosure Act · read October 17, 2026

    Used on: Accounts receivable financing, Business line of credit, E-commerce and payment platform finance, Invoice factoring, Merchant cash advance, Online business loans, Revenue-based finance, Spot factoring (single invoices)

Vermont Department of Financial Regulation

dfr.vermont.gov · 1 source · last read October 20, 2026

  1. Vermont Department of Financial Regulation: home page (banking, captive insurance, insurance, securities) · read October 20, 2026

    Used on: Vermont

Vermont Secretary of State

sos.vermont.gov · 2 sources · last read October 20, 2026

  1. Vermont Secretary of State: Business Services (search Businesses) · read October 20, 2026

    Used on: Vermont

  2. Vermont Secretary of State: UCC Liens (the office manages the statewide registry for UCC filings; UCC Lien Search) · read October 20, 2026

    Used on: Vermont

Virginia State Corporation Commission

scc.virginia.gov · 5 sources · last read November 1, 2026

  1. Virginia State Corporation Commission: Bureau of Financial Institutions (state-chartered banks, consumer finance companies and other licensed lenders) · read November 1, 2026

    Used on: Virginia

  2. Virginia State Corporation Commission: Business Home (Clerk's Information System) · read November 1, 2026

    Used on: Virginia

  3. Virginia State Corporation Commission: Securities & Retail Franchising (registration, and a data search of registered firms and securities) · read November 1, 2026

    Used on: Virginia

  4. Virginia State Corporation Commission: UCC/Tax Lien Searches, Copies & Certificates (fees) · read November 1, 2026

    Used on: Virginia

  5. Virginia State Corporation Commission: Uniform Commercial Code (UCC / federal tax lien search) · read November 1, 2026

    Used on: Virginia

Washington DFI

dfi.wa.gov · 2 sources · last read October 20, 2026

  1. Washington DFI: Securities Division · read October 20, 2026

    Used on: Washington

  2. Washington State Department of Financial Institutions: home page (verify a license) · read October 20, 2026

    Used on: Washington

Washington Secretary of State

sos.wa.gov · 1 source · last read October 20, 2026

  1. Washington Secretary of State: Corporations & Charities (CCFS Search) · read October 20, 2026

    Used on: Washington

Washington State Department of Licensing

dol.wa.gov · 1 source · last read October 20, 2026

  1. Washington State Department of Licensing: Uniform Commercial Code (UCC) (file and search online, in batches or by mail; online file and search fees) · read October 20, 2026

    Used on: Washington

webserver.rilegislature.gov

webserver.rilegislature.gov · 3 sources · last read October 31, 2026

  1. Rhode Island General Laws 19-14-2: licenses required · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  2. Rhode Island General Laws 19-14.1-10: special exemptions · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

  3. Rhode Island General Laws 6-26-2: maximum rate of interest · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

West Virginia Secretary of State

apps.wv.gov · 1 source · last read October 20, 2026

  1. West Virginia Secretary of State: UCC Online Filing, Search & Retrieval System · read October 20, 2026

    Used on: West Virginia

West Virginia Secretary of State

sos.wv.gov · 1 source · last read October 20, 2026

  1. West Virginia Secretary of State: Business (Search Business Organizations) · read October 20, 2026

    Used on: West Virginia

West Virginia State Auditor's Office

wvsao.gov · 1 source · last read November 1, 2026

  1. West Virginia State Auditor's Office: Securities (the Securities Commission administers the West Virginia Uniform Securities Act) · read November 1, 2026

    Used on: West Virginia

Wisconsin Department of Financial Institutions

dfi.wi.gov · 1 source · last read October 20, 2026

  1. Wisconsin Department of Financial Institutions: home page (Business Entity Search; Lien Filing Search; Securities) · read October 20, 2026

    Used on: Wisconsin

WV Division of Financial Institutions

dfi.wv.gov · 1 source · last read October 20, 2026

  1. WV Division of Financial Institutions: home page · read October 20, 2026

    Used on: West Virginia

wyoleg.gov

wyoleg.gov · 1 source · last read October 31, 2026

  1. Wyoming Statutes title 40 (40-14-302: scope and license; 40-14-304: consumer loan defined; 40-14-354: loans other than consumer loans) · read October 31, 2026

    Used on: Business line of credit, Equipment loans and finance agreements, Online business loans

Wyoming Division of Banking

wyomingbankingdivision.wyo.gov · 1 source · last read October 20, 2026

  1. Wyoming Division of Banking: home page · read October 20, 2026

    Used on: Wyoming

Wyoming Secretary of State

sos.wyo.gov · 3 sources · last read October 20, 2026

  1. Wyoming Secretary of State: home page (Search for Business Names/Filings; UCC / EFS / Buyers) · read October 20, 2026

    Used on: Wyoming

  2. Wyoming Secretary of State: Investing, Administration (Wyoming Uniform Securities Act; enforcement; industry information) · read October 20, 2026

    Used on: Wyoming

  3. Wyoming Secretary of State: UCC / EFS / Buyer Registrations · read October 20, 2026

    Used on: Wyoming

Wyoming Secretary of State

wyobiz.wyo.gov · 1 source · last read October 20, 2026

  1. Wyoming Secretary of State: Business Entity Search · read October 20, 2026

    Used on: Wyoming

Y Combinator

bookface-static.ycombinator.com · 1 source · last read October 21, 2026

  1. Y Combinator: Post-money SAFE user guide (Appendix II, Example 1: SAFEs converting in a Series A) · read October 21, 2026

    Used on: SAFEs and notes in your next round

Y Combinator

ycombinator.com · 1 source · last read October 21, 2026

  1. Y Combinator: Post-money SAFE, valuation cap only, and discount only (the instrument's own documents) · read October 21, 2026

    Used on: SAFEs (simple agreements for future equity), SAFEs and notes in your next round, Glossary