Merchant Cash Advance in Fort Worth: 2026 Guide for Tarrant County Business Owners

Quick Answer: Texas House Bill 700, effective September 1, 2025, requires providers to deliver a written dollar-cost disclosure before you sign any MCA under $1 million — and bans confession-of-judgment clauses statewide. That’s more protection than Florida or Georgia gives. What Texas does not require is an APR — you calculate that yourself. Factor rates for Fort Worth businesses typically run 1.15–1.50, translating to 40–180% APR depending on repayment speed. For the full Texas regulatory picture, see our Texas MCA state guide. The rest of this page covers what’s specific to running a business in Fort Worth and Tarrant County.

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What Texas HB 700 Gives Fort Worth Businesses

Fort Worth businesses are covered by one of the more meaningful recent additions to U.S. commercial-financing law. The contrast with peer cities:

State	Law	APR Disclosure Required?	COJ Status
Texas (Fort Worth)	HB 700 (Sept 2025)	No — dollar cost only	Banned
California (LA/SF)	SB 1235 + SB 362 (Dec 2022 / Jan 2026)	Yes — before signing	Heavily restricted
New York	S5470B (Aug 2023)	Yes	Banned (out-of-state, 2019)
Virginia	HB 1027 (July 2022)	Standardized metrics	Banned
Florida (Miami)	HB 1353 (Jan 2024)	No — dollar cost only	No restriction
Georgia	SB 90 (Jan 2024)	No — dollar cost only	No restriction
Nevada	None	No	No restriction

HB 700 requires a written disclosure of the dollar cost — total funded, net disbursement after fees, total repayment, payment schedule, all fees, any collateral, and broker compensation — before you sign. The provider must obtain your signature on that disclosure before the deal closes.

What Texas does not require is an APR. A $60,000 advance with a $75,000 total repayment tells you the cost in dollars — but not whether that’s 60% APR or 100% APR. Repayment speed decides. Use the MCA calculator to convert the total repayment from the HB 700 disclosure into an APR you can compare.

COJ Ban, Auto-Debit Limits, and OCCC Registration

Any Texas MCA contract with a confession-of-judgment clause is void under HB 700 — and signals a non-compliant template. HB 700 also largely prohibits providers from auto-debiting your account unless they hold a perfected first-priority security interest in it, targeting double-debiting and post-payoff withdrawals. All MCA providers and brokers operating in Texas must register with the Texas Office of Consumer Credit Commissioner (OCCC) by December 31, 2026, and each violation carries a $10,000 civil penalty. File complaints at occc.texas.gov.

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What an MCA Actually Costs in Fort Worth

An MCA uses a factor rate — a flat multiplier on the advance — typically 1.15–1.50 for Fort Worth businesses:

Advance	Factor Rate	Total Repayment	Cost
$25,000	1.20	$30,000	$5,000
$50,000	1.25	$62,500	$12,500
$100,000	1.35	$135,000	$35,000
$200,000	1.45	$290,000	$90,000

Repayment comes as a holdback — a fixed percentage of daily card sales or weekly deposits, typically 10–20% — until the balance clears. Because that compresses into months, the effective annual cost runs far above the factor rate:

• $100,000 at 1.35, repaid over 6 months: roughly 70% APR
• $100,000 at 1.35, repaid over 3 months: roughly 140% APR

Where Fort Worth businesses fall in the range:

• 1.15–1.25: Restaurants, bars, and retail with steady daily card volume and clean statements.
• 1.25–1.35: Construction subcontractors, machining shops, and healthcare practices with mixed card and invoice revenue.
• 1.35–1.50: Logistics firms, aerospace suppliers, and wholesalers whose revenue arrives in large, irregular batches.

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Fort Worth’s Economy and Where MCAs Fit

Fort Worth is the fifth-largest city in Texas and the anchor of Tarrant County, with a metro that has grown faster than almost any other in the country. Four sectors drive most MCA demand.

Aviation, Aerospace, and Manufacturing

Fort Worth is a defense and aerospace hub — Lockheed Martin’s F-35 production, Bell, and American Airlines’ global headquarters. Around those anchors sits a deep base of machine shops, tooling firms, parts suppliers, and service contractors. These businesses use MCAs to fund materials and payroll between large contract milestones, when receivables lag delivery by 30–90 days. Irregular milestone billing tends to push factor rates higher (1.30–1.45).

Logistics and AllianceTexas

AllianceTexas — anchored by Alliance Airport, BNSF’s intermodal facility, and a sprawling industrial park — has made north Fort Worth one of the busiest inland logistics corridors in the country. Freight forwarders, 3PLs, cold-chain operators, and last-mile carriers cover fuel, maintenance, insurance, and driver payroll while waiting on net-30 and net-60 freight invoices.

Restaurants, Bars, and Hospitality

The Stockyards, Magnolia Avenue, Sundance Square, and the Cultural District give Fort Worth a distinctive hospitality economy built on tourism, rodeo and event traffic, and a fast-growing local dining scene. Operators use MCAs for equipment failures, build-outs, and event-season staffing. Steady daily card volume earns the lowest factor rates (1.15–1.25).

Healthcare and Construction

Practices around Fort Worth’s medical district and the suburbs bridge 60–90 day insurance-reimbursement cycles. Construction subcontractors across Tarrant County’s booming suburbs — framing, electrical, HVAC, roofing, concrete — cover materials and labor ahead of milestone payments. The main risk is stacking: if combined daily holdback exceeds 20% of deposits, repayment can create its own cash crunch in a slow week.

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What Fort Worth Businesses Typically Qualify For

Requirement	Typical Minimum
Monthly revenue	$10,000–$15,000 in consistent deposits
Time in business	4–6 months
Credit score	500+ (revenue history matters more)
Business bank account	Active, 3+ months of statements
Industry restrictions	Adult entertainment, cannabis, firearms, gambling typically excluded

Funding usually arrives in 24–72 hours. Most Fort Worth businesses qualify for $25,000–$500,000, with aerospace suppliers and contractors holding verifiable contract revenue often accessing more.

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Providers That Fund Fort Worth Businesses

All providers below are in the site’s verified directory, with data sourced from published terms and reviewed in June 2026. All fund Texas businesses.

Provider	Advance Range	Min Credit	Speed	Best For
Fora Financial	$5K–$1.5M	500+	24–72 hrs	Large advances, restaurants, construction
Forward Financing	$5K–$500K	500+	24–48 hrs	Transparent terms, healthcare
Credibly	$5K–$600K	500+	2–3 days	Low credit, factor rates from 1.11
National Funding	$5K–$500K	None stated	Same day	Fast funding, logistics, established businesses
Kapitus	$50K–$5M	625+	3–5 days	Established businesses, larger amounts
Everest Business Funding	$5K–$2M	500+	1–2 days	Bad credit, high approval rate

Verify directly. Terms change. Confirm factor rates, holdback percentages, and all fees, and check whether any COJ clause appears — Texas HB 700 bans them, so their presence signals a non-compliant contract.

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Local Fort Worth Funding Alternatives to Check First

North Texas SBDC (ntsbdc.org). The Fort Worth office provides free consulting, financial-planning help, and financing referrals. Start here before any MCA.

LiftFund (liftfund.com). A nonprofit CDFI lending $500–$1 million across Texas at rates well below MCA pricing, with a focus on women- and minority-owned businesses.

Accion Opportunity Fund (aofund.org). Loans for entrepreneurs without easy access to bank credit, at terms meaningfully below MCA pricing.

SBA Dallas-Fort Worth District Office. SBA 7(a) loans run 9.75–13.25% APR — a fraction of MCA cost — and SBA Express can fund in as little as 36 hours.

Fort Worth community banks and credit unions. Lines of credit at 8–15% APR for established businesses offer far cheaper, more flexible working capital than an MCA.

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Before You Sign: Fort Worth MCA Checklist

1. Request the HB 700 written disclosure before paperwork is finalized. If the provider won’t produce it, walk away.
2. Check for a COJ clause. Any confession-of-judgment provision in a Texas MCA contract is void under HB 700 — and signals a non-compliant provider.
3. Calculate the APR yourself using the MCA calculator.
4. Verify the provider’s OCCC registration at occc.texas.gov before signing.
5. Compare three offers from the directory. A spread from 1.20 to 1.35 on a $60,000 advance is $9,000 in extra cost.
6. Check the UCC-1 lien terms — a blanket lien on all assets complicates future bank or SBA financing.