What does each state guide cover?
Each guide describes the state's economy and main industries, the situations owners there most often fund, the kinds of state capital programs available, how to search UCC lien filings, and what the state's commercial financing disclosure rules mean for you. Each also covers expanding into the state from somewhere else.
Our first guides cover states that have adopted commercial financing disclosure rules: California, New York, Utah, Virginia, Florida, Georgia, Connecticut, Kansas, Missouri, Louisiana and Texas. Guides for more states are on the way.
Can businesses in states without a guide still apply?
Yes. Businesses across the country can apply with 50 States Funding, whether or not their state has a guide yet. Availability varies by product and funder, and a few funders do not work in every state, so we match each request with funders that work where the business operates.
Read our overview of commercial financing disclosure rules and our guide to expanding into another state. This is general information, not legal advice. Check the state's official site for current requirements.
Frequently asked questions
Is business funding available in every state?
Businesses across the country can apply. Availability varies by product and funder, and some funders limit certain states or industries. When you apply through 50 States Funding, we look for funders that work where your business operates and show you the terms before you decide.
Which states have commercial financing disclosure rules?
A growing number of states have adopted rules that require providers of commercial financing to show cost information in writing before you sign. Our first state guides cover eleven of them. Rules change, so check the state's official site for current requirements.
Do state programs replace private funding?
Usually not. State programs often work alongside banks and other lenders, for example through loan guarantees or participation loans, and they have their own eligibility rules and timelines. Many owners compare public programs and private options together, depending on how quickly they need funds.
Can I apply if my business operates in several states?
Yes. List each location on your application. Funders look at the business as a whole, but state rules on disclosures and where liens are filed can affect the paperwork, so it helps them to know where you operate.
Wherever you operate, start here
One short application lets funders review options for your state.
Updated September 14, 2026 · 50 States Funding Team