CA Disclosure Generator

California SB 1235 — Commercial Financing Disclosure (Cal. Fin. Code § 22800 et seq.)

⚠️ Internal Tool — Not Legal Advice. This generator produces disclosure documents based on California DFPI requirements for commercial financing (including MCA) under SB 1235. Disclosures must be provided to the merchant at the time of a specific offer. For MCA, the estimated APR must be calculated per DFPI methodology. Have legal counsel verify before live use.

Merchant Information

Business Legal Name

DBA (if different)

Owner / Authorized Signer

Business State

Funding Offer Terms

Financing Type

Funder Name

Total Amount of Funds Provided ($)

Total Dollar Cost of Financing ($)

Factor Rate (MCA)

Estimated APR (%) — per DFPI methodology

Payment Method

Payment Amount ($)

Term or Estimated Term

Payment Frequency

Fees & Prepayment

Origination / Processing Fee ($)

Other Fees (describe)

Prepayment Policy

Broker Compensation Disclosure

Broker Commission ($)

Commission Source

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