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Navigating the Changing Regulatory Landscape
Amanda Ross, Legal Counsel
November 28, 2025
The regulatory environment for commercial financing is shifting. States like New York, California, and Utah have implemented strict disclosure laws requiring APR-like metrics for MCAs, despite them not being loans.
Transparency is Key
The new regulations focus on transparency. Funders must clearly disclose:
- Total Amount Financed
- Total Payback Amount
- Estimated APR (Annual Percentage Rate)
- Funding Fees
Compliance Through Tech
Compliance shouldn't slow you down. Modern underwriting platforms can auto-calculate these required disclosures based on the offer terms, generating compliant contracts with a click. Vyrex is committed to keeping our users ahead of these regulatory curves.