Dallas Business Owners Gain New Leverage Against Merchant Cash Advance Lenders Under Texas HB 700
A 2026 Texas law requires MCA funders to register with the state &mdash; and a large share of them haven't. For Dallas businesses, that single fact is becoming a first line of defense.
DALLAS &mdash; Dallas business owners fighting merchant cash advance (MCA) debt have a new starting point that did not exist a year ago: checking whether their funder is even legally allowed to operate in Texas.
Under HB 700, which created the Texas Commercial Sales-Based Financing Law codified as Texas Finance Code Chapter 398, every MCA provider and broker operating in Texas must now register with the Office of Consumer Credit Commissioner (OCCC). There is no grace period. A funder that failed to register may be operating illegally &mdash; and for a Dallas business, that can become grounds to challenge the agreement and halt collection. Verifying a lender's status through the OCCC registration database has become a logical first step in evaluating a case.
The law's disclosure mandate compounds the exposure. For commercial financing under $1 million, funders must disclose the total financing amount, the finance charge, the total repayment amount, an estimated APR, and the payment schedule. Attorneys reviewing DFW-area agreements are finding that a significant share fail to meet these requirements &mdash; creating defenses where the disclosures were absent or inaccurate.
Then there is the usury argument, which Texas law sharpens. If a court finds an MCA functioned as a disguised loan &mdash; because it demanded fixed repayments, lacked genuine reconciliation, or shifted no real risk to the funder &mdash; Texas's usury provisions can apply. Texas recognizes a criminal usury ceiling, and when MCA agreements carry effective APRs of 80%, 150%, or higher, a declining-principal audit can demonstrate a rate far beyond the legal limit. Where a court agrees, the funder can forfeit interest and face additional penalties.
The exposure runs across Dallas's economy: trucking fleets in the DFW Airport corridor, warehouse operations in Grand Prairie, construction firms in Mesquite, and startups along the North Dallas technology corridor all share the volatile-cash-flow, equipment-heavy profile that MCA funders target &mdash; and that suffers most when fixed daily withdrawals continue through a slow month.
As with any MCA dispute, timing controls the outcome. Once a funder secures a judgment and moves to freeze accounts or enforce a UCC lien, options narrow sharply.
Dallas business owners facing MCA collections, a frozen account, or an unregistered funder can review their options and connect with an experienced attorney through CredibleLaw's Dallas network at&nbsp;<a href="https://crediblelaw.com/dallas-mca-defense-attorney/" rel="noopener nofollow" target="_blank">crediblelaw.com/dallas-mca-defense-attorney/</a>&nbsp;<a href="https://crediblelaw.com/dallas-mca-defense/" rel="noopener nofollow" target="_blank"></a>.
Credible Law Phone: <a href="tel:888-201-0441" rel="noopener nofollow" target="_blank">(888) 201-0441</a> <a href="https://crediblelaw.com/about/" rel="noopener nofollow" target="_blank">crediblelaw.com/about/</a>Credible Law is a national legal resource and referral network. It is not a law firm and does not provide legal advice.

Dallas County

Dallas-Fort Worth Metropolitan Area

Dallas

Texas

Merchant Cash Advance Debt Relief Dallas Texas ...

Dallas Business Owners Gain New Leverage Against Merchant Cash Advance Lenders Under Texas HB 700...

Merchant Cash Advance Debt Relief Dallas Texas - MCA Defense Attorney

Hooters is partnering with Dallas Hope Lodge for dinner and providing an evening activity for guests battling cancer and their caregivers. On June 10 Hooters kicked off their &lsquo;Wingo&rdquo; initiative for 40 participants in the Hope Lodge&rsquo;s community dining room. &ldquo;Wingo&rdquo; is Hooters version of the game Bingo. Going forward, the Dallas area Hooters locations will be volunteering and providing dinner on the second Wednesday of every month. 

The Hooters West End location prepared this special meal consisting of boneless wings, wings, grilled chicken sliders and salad. West End Hooters Girls Judy Pham and Destiny Cuellar volunteered to serve the dinner and run the games of &ldquo;Wingo&rdquo;. Participants had the opportunity to play several rounds and win a selection of prizes. 

The American Cancer Society Hope Lodge program provides a free home away from home for guests battling cancer and their caregivers. More than just a roof over their heads, it&rsquo;s a nurturing community that helps guests access the care they need. 
&ldquo;Hooters is proud to expand its partnership with Hope Lodge to the Dallas community. By hosting monthly dinners along with competitive activities, our goal is to provide comfort, connection, and a sense of home for guests during their treatment. We are truly privileged to support these resilient individuals every month,&rdquo; said Andrea Hill HMC Hospitality Group Executive Vice President. Hooters West End is located at 2201 North Lamar in Dallas. 
About HMC Hospitality Group
HMC Hospitality Group., founders of the Original Hooters concept, own and operate over 75 Hooters locations in Florida (Tampa Bay, Central Florida, and Jacksonville to Palm Bay), Chicagoland, Texas, Northern Indiana, and Georgia and two Hoots locations in Chicagoland. For over 40 years, the Original Hooters group has been known for its World Famous Chicken Wings, electric atmosphere, and legendary service from its proud and iconic Hooters Girls. As Hooters undergoes a strategic transformation, the brand is returning to the core principles that defined its early success &mdash; neighborhood hospitality, fresh and craveable food, and a one-of-a-kind dining experience. Original Hooters, along with their partners from Hoot Owl Restaurants LLC, will now operate the majority of domestic locations across the US. For more information about Hooters please visit <a href="https://www.originalhooters.com/" target="_blank" rel="noopener nofollow">www.originalhooters.com</a> or follow them at Instagram @originalhooters and Facebook <a href="https://www.facebook.com/originalhooters" target="_blank" rel="noopener nofollow">https://www.facebook.com/originalhooters</a>.

Hooters Brings Wingo to Hope Lodge in Dallas

Hooters is partnering with Dallas Hope Lodge for dinner and providing an evening activity for guests battling cancer and their caregivers. On June...

Looking to build a career in tech and AI at no cost?
NPower is now accepting applications for its new FREE Path2TECH: AI Prompt + Power Automation program. Designed for working adults, career changers, veterans, and military spouses, the virtual evening program provides hands-on training in AI tools increasingly used in today's workplace &mdash; no prior AI experience required.&nbsp;
Eligible applicants must:
<ul><li>Be 21 or older</li><li>Have a high school diploma or equivalent</li><li>Have 1&ndash;3 years of professional experience in any field</li><li>Be legally authorized to work in the U.S.</li></ul>
Participants will receive hands-on training in prompt engineering, workflow automation, Microsoft Copilot, and other tools increasingly used in today's workplace. The program also includes career coaching, industry-recognized certifications, and job placement support.
Designed to align with evolving employer needs, the program aims to help local residents prepare for AI-enabled careers, strengthen their long-term economic mobility, and succeed in a rapidly changing job market.
Classes are held virtually on Mondays, Wednesdays, and Thursdays from 6:30&ndash;9:30 p.m. ET.
Learn more and apply: <a href="http://npower.org/ai-prompt-power-automation/?utm_source=website&amp;utm_medium=media_&amp;utm_campaign=aicourse2026-general&amp;utm_content=media-link" rel="noopener nofollow" target="_blank">npower.org/ai</a>

Free AI training program accepting Dallas...

Looking to build a career in tech and AI at no cost?...

Free AI training program accepting Dallas applicants - Classes Begin July 13

Irving

Grand Prairie

Coppell

Collin County

Plano Metropolitan Area

Plano

Tarrant County

Arlington

Kaufman County

Kaufman

Forney

Ellis County

Ellis

Waxahachie

Tarrant

Fort Worth

McKinney-Frisco

Crowley

Astrology and Palm Reading

Das Ji expert in Preparing Jataka / Horoscope Drawn up for a Child at Birth and Includes Birth chart, Divisional Charts, Predictive Dasa. Tulsi Das expert in Varshaphal , Prashna / Horary , Muhurtha / Electional astrology and Samhita / Mundane astrology Das Ji is an Expert in Vedic Astrology with over 24+ Years Experience in Love - Relationship Problems, Kundali Matching, Career, Business, and other problems in life. His prediction comprises of Deep observation of houses, Nature of Planets, their position and strength in' a horoscope. Remedies suggested by him are traditional and time tested comprising of Mantra Therapy, Charity, Pujas, Offering Prayers, Gem and Rudhraksha Therapy. Om Shri Ram Astrological Center is situated in Dallas, Texas but caters to the Astrology needs of Indians and foreigners throughout US &amp; Canada! With over 15 years of experience in the field, Om Shri Ram is the right Astrology Center to visit for all your astrology needs. The center has specialists in Horoscope, Indian Astrology, Numerology, Vastu and Vedic services. It is a one-stop shop for all your prediction and remedy needs! For every critical juncture of your life, Om Shri Ram is the right place to visit to get the right advice. Astrology can predict the future of your health, helping you keep tabs on your activities based on the probability of various weaknesses and ailments that can be easily predicted by the experts. There are different metabolic types for people based on which Ayurveda aims at healing ailments - Vata, Pitta or Kapha. $15 Reading Fee with promo code "PREMA"

Das Ji expert in Preparing Jataka / Horoscope Drawn up for a Child at Birth and Includes Birth chart, Divisional Charts, Predictive Dasa. Tulsi Das...

Best Deals on New AC Units – Dallas & DFW Area

Hvac Services Pro

At HVAC Services Pro, we believe comfort should never come with compromise. Based in Dallas–Fort Worth, we provide high-quality HVAC solutions with transparent pricing and fast, reliable service. Whether you need a new system, repair, or maintenance, our certified technicians are here to keep your home or business comfortable year-round. We specialize in Trane air conditioning systems and other top brands, using only genuine, manufacturer-approved parts for every installation and repair. With years of experience in Texas weather, we design systems built to handle the intense heat and sudden cold snaps unique to the DFW area. What Makes Us Unique Upfront Pricing: No hidden fees or surprises — just clear, honest quotes. Premium Equipment: Genuine Trane systems and high-quality components for lasting performance. Certified Local Experts: Licensed technicians who understand Texas homes and climate. Full-Service Care: Installation, repair, duct cleaning, and preventive maintenance. Unmatched Value: Online pricing and complete installs often $4,000 less than competitors. With HVAC Services Pro, you get more than just heating and cooling — you get a partner you can trust to deliver comfort, value, and peace of mind for years to come.

 At HVAC Services Pro, we believe comfort should never come with compromise. Based in Dallas–Fort Worth, we provide high-quality HVAC solutions...

Nearby Communities

State Edition

National Edition

More Classifieds

Dallas, TX|Featured Classified|Gigs & Services|1d

Merchant Cash Advance Debt Relief Dallas Texas - MCA Defense Attorney

Dallas, TX|Local Classified|Announcement|Jun 24

Hooters Brings Wingo to Hope Lodge in Dallas

Dallas, TX|Local Classified|Announcement|Jun 11

Free AI training program accepting Dallas applicants - Classes Begin July 13

Merchant Cash Advance Debt Relief Dallas Texas - MCA Defense Attorney

Astrology and Palm Reading

Hvac Services Pro