We do not currently arrange this product for Texas businesses. The calculator is for education only — see the other TX programs below. Free tools
Texas · Merchant Cash AdvancesTexas Merchant Cash Advance Calculator & Rates
A merchant cash advance buys a portion of a Texas business's future receipts at a discount, with remittances taken daily or weekly from deposits. Run your numbers below with TX figures already built in, then apply once and have an advisor match your file to one lender.
Serving Houston, Dallas, San Antonio and every county in Texas.
BBB profile &Chamber member
Our borrower standard
Borrower Protection Standards
One advisor, one matched lender
Your file goes to one lender at a time — never broadcast or auctioned.
Never sold to lead lists
Your information and documents are not sold to lead buyers.
No hard credit pull to explore
No hard credit pull to explore your options.
Commercial only, costs explained
Business-purpose financing; we walk through costs and payoff before you sign.
See which funding options you qualify for
Four quick questions. No hard credit pull, no documents, no phone call to get started — just a clear read on where your business stands against our lending partners. You can review the comparison tools immediately, then call or schedule time with our team for questions.
How fast do you need the funds?
Speed is one of the biggest factors in which product fits — the fastest options cost more, the slower ones cost less.
One advisor, one lender at a time. Your file is never sold or auctioned.
From a small working-capital bridge to major expansion capital.
Approval, rates and timing depend on underwriting and are never guaranteed.
Basic intake takes about 3 minutes, plus upload separately.
Texas Merchant Cash Advance Calculator
Set your Texas monthly deposits, advance amount, and factor rate to see total payback, the holdback coming out of sales, and the estimated repayment window before you commit.
Your Texas Sales Snapshot
Cost here is a factor rate, not an interest rate. Repayment is a set share of what your Texas business collects, so a slower month means a smaller remittance and a longer payoff.
Educational estimate for Texas planning only, not an offer or approval. Factor rates, holdback percentages, and remittance frequency are set by the funder in underwriting based on your deposit history.
Texas State Underwriting Overview
These are the exact TX variables the calculator above pulls into its formula.
- UCC and recording filing fee: roughly $110 in flat TX filing costs
- State sales and use tax: 6.25% applied to an equipment purchase
- Commercial disclosure law: Texas requires cost disclosures for commercial sales-based financing
- Documents to expect: recent bank statements, entity documents, and a debt schedule
General planning figures for Texas, not tax, legal, or investment advice. County rates, carrier pricing, and lender thresholds vary and are confirmed at underwriting and closing.
Texas at a glance
Facts below come from government sources, linked with the date of the data. Plain facts only — not legal or tax advice.
Texas rule for this product: Texas Finance Code Chapter 398 (HB 700, effective September 1, 2025) covers commercial sales-based financing — products repaid from a share of sales or revenue, such as merchant cash advances — and requires cost disclosures.Source: Texas Finance Code ch. 398 · as of October 2026
Texas small businesses
Texas has 3,300,000 small businesses, employing 44.9% of the state's private-sector workforce. Industries with the most small-business jobs: construction, professional, scientific and technical services, transportation and warehousing.Source: SBA Office of Advocacy, 2024 Texas Small Business Profile · as of November 2024
SBA lending in Texas
In fiscal year 2025, the SBA approved 6,295 7(a) loans totaling $4.07 billion and 342 504 loans totaling $559.6 million for Texas projects.Source: U.S. SBA 7(a) & 504 loan-level FOIA data (by project state) · as of June 30, 2026 release; FY2025 = Oct 2024–Sep 2025
Programs in Texas
State Small Business Credit Initiative (SSBCI): the Texas Small Business Credit Initiative (TSBCI), run through the Office of the Governor with a Capital Access Program and a Loan Guarantee Program offered by participating lenders.Source: Office of the Texas Governor, TSBCI FAQ · as of October 2023
Free advising: the Texas SBDC Network is the state's Small Business Development Center network.Source: Texas SBDC Network · as of October 2026
Rules in Texas
Texas Finance Code Chapter 398 (HB 700, effective September 1, 2025) covers commercial sales-based financing — products repaid from a share of sales or revenue, such as merchant cash advances — and requires cost disclosures.Source: Texas Finance Code ch. 398 · as of October 2026
Providers and brokers of commercial sales-based financing must register with the Texas Office of Consumer Credit Commissioner (OCCC) through NMLS.Source: Texas OCCC, Commercial Sales-Based Financing · as of August 2026
Costs in Texas
UCC-1 financing statement filing fee: $5 for an initial financing statement filed online (paper filings are no longer accepted).Source: Texas Secretary of State, UCC fees · as of October 2026
LLC formation filing fee: $300 for a Certificate of Formation (Form 205).Source: Texas Secretary of State, Form 205 · as of October 2026
State sales and use tax on equipment: 6.25% state rate (local add-ons not included)Source: Texas Comptroller, sales and use tax · as of October 2026
What changes about merchant cash advance in Texas
Local cost of money
Texas applies a 6.25% state sales and use tax, which is normally financed with the purchase. Flat state and county filing costs run around $110.
Filing and disclosure
Texas Finance Code Chapter 398 (HB 700, effective September 1, 2025) covers commercial sales-based financing — products repaid from a share of sales or revenue, such as merchant cash advances — and requires cost disclosures.
These are general planning figures for Texas, not tax, legal, or investment advice. County rates, carrier pricing, and third-party costs vary, and every file is confirmed at underwriting and closing.
Texas Merchant Cash Advance questions, answered
Questions, Answered
Most programs start from monthly revenue, time in business, and a credit range, and the file is confirmed with bank statements. Scores near 500 and shorter histories get funded regularly in Texas because revenue and cash flow carry real weight. Applying is free and requires no hard credit pull.
Working capital in Texas timing depends on the program and the lender. Property and equipment files usually take longer because of appraisal, title, and recording. Getting started requires no hard credit pull, and our online comparison tools are available anytime.
No — it is business-purpose commercial credit, so consumer rules generally do not apply. Texas Finance Code Chapter 398 (HB 700, effective September 1, 2025) covers commercial sales-based financing — products repaid from a share of sales or revenue, such as merchant cash advances — and requires cost disclosures.
Across Houston, Dallas, San Antonio we see oilfield services, trucking, construction using merchant cash advances regularly. One advisor matches each file to one lender that fits.
The SBA Office of Advocacy counts 3,300,000 small businesses in Texas, employing 44.9% of the state's private-sector workers (November 2024).
In fiscal year 2025, SBA data shows 6,295 7(a) loans totaling $4.07 billion and 342 504 loans totaling $559.6 million for Texas projects.
Yes. Texas Finance Code Chapter 398 (HB 700, effective September 1, 2025) covers commercial sales-based financing — products repaid from a share of sales or revenue, such as merchant cash advances — and requires cost disclosures. This is a plain summary, not legal advice.
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- Merchant Cash Advances program details
Merchant Cash Advance in other states
⚠ Important Financial Disclosures & Legal Compliance Notice
Informational & Analytical Purposes Only: All interactive calculators, estimation tools, text graphics, and software models provided on this landing page are intended exclusively for illustrative, informational, and preliminary analytical business budgeting purposes. Calculations, potential returns, interest factors, cash advances, and loan payment projections displayed by these tools are theoretical mathematical simulations based on user input parameters and do not represent verified financial advice, binding legal agreements, guaranteed contract conditions, or an official commitment or offer to extend commercial credit or financing.
Underwriting & Credit Approval Profiles: Actual funding approvals, transactional factor rates, loan-to-value (LTV) limits, advance distribution margins, loan durations, and legal terms fluctuate dynamically based on rigorous independent underwriting evaluation criteria. These evaluations include, but are not limited to, verifiable historical business cash flow structures, bank deposit frequencies, corporate merchant credit score, time in operation, asset evaluations, industry risk profiles, and macroeconomic market constraints. Not all applying business entities or applicants will satisfy standard criteria or qualify for peak premium advertised funding limits, rates, or programs.
Commercial Lending Limitation: The products, alternative capital options, and commercial services outlined on this website are explicitly designed for commercial, business, operational expansion, and investment purposes only. These services are completely prohibited from being utilized for personal, family, home residential consumer mortgage financing, or household consumption use.
© 2026 Trifecta Business Group, LLC. All rights reserved. Translate-IQ™, Capital Pulse™ and The Breakthrough Process™ are trademarks of Trifecta Business Group. Automated scraping or reproduction of site content and tools is prohibited. Alternative commercial funding structures and loan products may be issued, processed, or backed through our lending partners. Rates, structural terms, and operational program limits are subject to modifications or suspension at any time without advance written notification.