State Disclosures & Availability
Last updated: August 25, 2026 · Operated by Envoy Fiber, LLC
Install Factoring operates a platform that routes qualified sellers to independent B2B factoring partners. Several states require specific written disclosures for commercial financing transactions. This page explains, in plain language, where those requirements exist and how they apply to offers you receive through us.
States with commercial financing disclosure laws
As of the date above, four states have active commercial financing disclosure laws that can apply to factoring and receivables-purchase transactions: California, New York, Utah, and Virginia. Where a required disclosure applies to your offer, the state-mandated document governs. Ask for it before accepting any offer.
California
California's Commercial Financing Disclosure Law (Cal. Fin. Code § 12800 et seq.), administered by the Department of Financial Protection and Innovation (DFPI), requires providers to give qualifying recipients written disclosures at specific points in the transaction. Where the law applies, your offer will include the disclosure format the law requires. Master factoring agreements may use the example-transaction disclosure format permitted by the DFPI.
New York
New York's requirements for commercial financing disclosures are set out in N.Y. Banking Law § 9-i, administered and enforced by the New York State Department of Financial Services (NYDFS). The law applies to covered transactions up to $2.5 million. Where it applies, qualifying offers include the disclosures NYDFS requires, which express the cost of the transaction on an annualized basis.
Utah and Virginia
Utah's commercial financing disclosure requirements and Virginia's commercial financing disclosure law (Va. Code § 6.2-1500 et seq.) similarly require written cost disclosures for covered transactions. Where those laws apply to your offer, you will receive the disclosure each state requires alongside the offer.
How fees are expressed
Factoring fees are flat discounts, not interest. Where state law requires it (California, New York, Utah, Virginia), qualifying offers include that state's required disclosures, which express the cost of the transaction on an annualized basis. Ask for the state-mandated disclosure before accepting any offer. Our financing disclosure shows a fully worked example with the published fee schedule.
Registration & licensing
Registration, licensing, and filing requirements for commercial financing vary from state to state, and we don't summarize every state's rules here. To verify how these rules apply to us or to a specific offer, contact your state regulator — for example, the DFPI in California or NYDFS in New York — or email us at support@installfactoring.com with any questions, and we will answer them directly.
Availability
We don’t publish a list of states this product serves or excludes, because we don’t have one to publish: whether an offer is available is decided offer-by-offer through partner coverage, invoice qualification, underwriting standards, and applicable state law — not by a blanket service area. If you submit an invoice we cannot route in your state, we will tell you directly.
We do not provide consumer loans or merchant cash advances.
Related documents: Financing Disclosure · Trust & Compliance · Terms of Service · Privacy Policy