InstallFactoring is a commercial financing product. We adhere strictly to state-level commercial financing disclosure laws.
In California, we operate under the Commercial Financing Disclosure Law (CFDL) and SB 362. We provide the required columnar APR-inclusive format on every qualifying offer. Master factoring agreements may use the example-transaction disclosure format permitted by the DFPI.
In New York, we provide TILA-like disclosures at specific offer stages for transactions up to $2.5M, administered by NYDFS.
As a Connecticut-based entity, we adhere strictly to the CT Department of Banking guidelines. Note: Our product structure (true-sale factoring without sales-based mechanics) falls outside the definition of sales-based financing, but we are registered as required.
For all other states with active commercial financing disclosure laws (including FL, GA, KS, LA, MO, TX, UT, VA), we provide the specific mandated disclosure formats alongside our standard written offer. We do not provide consumer loans or merchant cash advances.