{"id":52772,"date":"2025-06-25T15:43:04","date_gmt":"2025-06-25T19:43:04","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?p=52772"},"modified":"2025-06-25T15:43:04","modified_gmt":"2025-06-25T19:43:04","slug":"what-loan-brokers-need-to-understand-about-the-sales-based-financing-ach-prohibition-law","status":"publish","type":"post","link":"https:\/\/www.arffinancial.com\/development\/what-loan-brokers-need-to-understand-about-the-sales-based-financing-ach-prohibition-law\/","title":{"rendered":"What Loan Brokers Need to Understand About the Sales-Based Financing ACH Prohibition Law"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_single_image image=&#8221;52773&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">The recent passage of Texas House Bill (HB) 700 marks a pivotal change in the sales-based financing landscape, affecting how funding providers and brokers operate within the state. Signed into law by Governor Greg Abbott on June 20, 2025, the legislation introduces sweeping restrictions, including banning certain ACH (Automated Clearing House) debits. Commercial loan brokers working with Texas-based businesses must now adapt to this law as it takes effect on September 1, 2025.<\/p>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">Below, we\u2019ll explore what this law entails and break down the potential implications for loan brokers focused on sales-based financing, merchant cash advances (MCAs), and revenue-based finance loans.<\/p>\n<h2 class=\"font-semibold pdf-heading-class-replace text-h3 leading-[40px] pt-[21px] pb-[2px] [&amp;_a]:underline-offset-[6px] [&amp;_.underline]:underline-offset-[6px]\" dir=\"ltr\">What is HB 700?<\/h2>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">HB 700 is designed to regulate commercial sales-based financing transactions in Texas. Simply put, it prohibits providers and brokers of sales-based financing from debiting a Texas merchant\u2019s bank account automatically unless specific conditions are met.<\/p>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">The key provisions include the following:<\/p>\n<ul class=\"pt-[9px] pb-[2px] pl-[24px] list-disc pt-[5px]\">\n<li class=\"text-body font-regular leading-[24px] my-[5px] [&amp;&gt;ol]:!pt-0 [&amp;&gt;ol]:!pb-0 [&amp;&gt;ul]:!pt-0 [&amp;&gt;ul]:!pb-0\" value=\"1\"><b><strong class=\"font-semibold\">First-Position Priority Rule<\/strong><\/b>: Before initiating ACH debits, providers or brokers must hold a perfected, first-priority security interest in the merchant\u2019s deposit account under Chapter 9 of the Texas Business &amp; Commerce Code.<\/li>\n<li class=\"text-body font-regular leading-[24px] my-[5px] [&amp;&gt;ol]:!pt-0 [&amp;&gt;ol]:!pb-0 [&amp;&gt;ul]:!pt-0 [&amp;&gt;ul]:!pb-0\" value=\"2\"><b><strong class=\"font-semibold\">Registration Requirements<\/strong><\/b>: Providers and brokers engaging in sales-based financing must now register with the Texas Office of Consumer Credit Commissioner by December 31, 2026.<\/li>\n<li class=\"text-body font-regular leading-[24px] my-[5px] [&amp;&gt;ol]:!pt-0 [&amp;&gt;ol]:!pb-0 [&amp;&gt;ul]:!pt-0 [&amp;&gt;ul]:!pb-0\" value=\"3\"><b><strong class=\"font-semibold\">Disclosure Obligations<\/strong><\/b>: Financing providers offering less than $1 million must disclose details regarding financing terms, repayment amounts, associated fees, and collateral requirements before proceeding with a transaction.<\/li>\n<\/ul>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">These rules apply regardless of whether the financing provider is physically located in Texas, as long as the recipient merchant operates within the state.<\/p>\n<h2 class=\"font-semibold pdf-heading-class-replace text-h3 leading-[40px] pt-[21px] pb-[2px] [&amp;_a]:underline-offset-[6px] [&amp;_.underline]:underline-offset-[6px]\" dir=\"ltr\">Impact on Sales-Based Financing<\/h2>\n<h3 class=\"font-semibold pdf-heading-class-replace text-h4 leading-[30px] pt-[15px] pb-[2px] [&amp;_a]:underline-offset-[6px] [&amp;_.underline]:underline-offset-[6px]\" dir=\"ltr\">1. <b><strong class=\"font-semibold\">A De Facto Ban on ACH Debits<\/strong><\/b><\/h3>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">The centerpiece of HB 700 is the limitation on ACH debits. For many sales-based financing models, automatic debits have been foundational to managing payment collection efficiently. Under the new rules, only providers with a first-priority claim to the merchant\u2019s deposit account can facilitate ACH debits.<\/p>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">However, this creates substantial practical challenges:<\/p>\n<ul class=\"pt-[9px] pb-[2px] pl-[24px] list-disc pt-[5px]\">\n<li class=\"text-body font-regular leading-[24px] my-[5px] [&amp;&gt;ol]:!pt-0 [&amp;&gt;ol]:!pb-0 [&amp;&gt;ul]:!pt-0 [&amp;&gt;ul]:!pb-0\" value=\"1\"><b><strong class=\"font-semibold\">Existing Liens Conflict<\/strong><\/b>: Many merchants already have extensive liens on their accounts, often blanket liens placed by other creditors. These complicate or outright block the ability of RBF (Revenue-Based Financing) providers to secure a first-priority position.<\/li>\n<li class=\"text-body font-regular leading-[24px] my-[5px] [&amp;&gt;ol]:!pt-0 [&amp;&gt;ol]:!pb-0 [&amp;&gt;ul]:!pt-0 [&amp;&gt;ul]:!pb-0\" value=\"2\"><b><strong class=\"font-semibold\">Unaccounted Liens<\/strong><\/b>: Sometimes, Uniform Commercial Code (UCC) filings for liens may remain active even after obligations are paid off, further complicating compliance.<\/li>\n<\/ul>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">Because of these issues, HB 700 is being viewed as a near-total prohibition on ACH debits for sales-based financing providers without first-lien access, limiting available funding methods for Texas-based merchants.<\/p>\n<h3 class=\"font-semibold pdf-heading-class-replace text-h4 leading-[30px] pt-[15px] pb-[2px] [&amp;_a]:underline-offset-[6px] [&amp;_.underline]:underline-offset-[6px]\" dir=\"ltr\">2. <b><strong class=\"font-semibold\">Challenges for Brokers and Providers<\/strong><\/b><\/h3>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">The legislation places brokers and providers under closer regulatory scrutiny. Compliance with the law requires a thorough understanding of registration processes, mandated disclosures, and documentation. For brokers, this involves coordinating between merchants and financing entities to ensure that financing terms align with the new legal framework.<\/p>\n<h2 class=\"font-semibold pdf-heading-class-replace text-h3 leading-[40px] pt-[21px] pb-[2px] [&amp;_a]:underline-offset-[6px] [&amp;_.underline]:underline-offset-[6px]\" dir=\"ltr\">Broader Implications for Commercial Loan Brokers<\/h2>\n<h3 class=\"font-semibold pdf-heading-class-replace text-h4 leading-[30px] pt-[15px] pb-[2px] [&amp;_a]:underline-offset-[6px] [&amp;_.underline]:underline-offset-[6px]\" dir=\"ltr\">1. A Potential Shift in Financing Models<\/h3>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">The Texas law will likely force a shift in how sales-based financing services are structured. Instead of ACH-based payments, new mechanisms like invoiced repayments or direct authorization frameworks may gain traction to avoid compliance hurdles.<\/p>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">If structured correctly, this could offer opportunities for brokers who innovate within the confluence of traditional financing and new client needs.<\/p>\n<h3 class=\"font-semibold pdf-heading-class-replace text-h4 leading-[30px] pt-[15px] pb-[2px] [&amp;_a]:underline-offset-[6px] [&amp;_.underline]:underline-offset-[6px]\" dir=\"ltr\">2. Ripple Effect Across States<\/h3>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">Laws like HB 700 may create ripple effects across other states as legislative bodies review the costs and benefits of regulating alternative financing models. Commercial loan brokers operating in multiple regions should watch for similar measures in their areas.<\/p>\n<h2 class=\"font-semibold pdf-heading-class-replace text-h3 leading-[40px] pt-[21px] pb-[2px] [&amp;_a]:underline-offset-[6px] [&amp;_.underline]:underline-offset-[6px]\" dir=\"ltr\">How Loan Brokers Can Stay Ahead<\/h2>\n<h3 class=\"font-semibold pdf-heading-class-replace text-h4 leading-[30px] pt-[15px] pb-[2px] [&amp;_a]:underline-offset-[6px] [&amp;_.underline]:underline-offset-[6px]\" dir=\"ltr\">1. Expand Offerings Beyond Sales-Based Financing<\/h3>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">Given the restrictions on sales-based financing in Texas, brokers should consider diversifying their offerings to include other funding solutions. For example, true bank loans, receivables factoring, and revolving lines of credit remain viable options under these restrictions.<\/p>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">One such option, the <a href=\"https:\/\/www.arffinancial.com\/development\/loans-by-product\/revolving-line-of-credit\/?utm_source=SocialMedia&amp;utm_medium=Instagram&amp;utm_term=Blog&amp;utm_content=HB70006252025&amp;utm_campaign=HB70006252025\">Bankroll Revolving Line of Credit<\/a> by ARF Financial, offers businesses a flexible line of credit with no penalties for early repayment. Features like fixed terms and unlimited drawdown make it an attractive alternative for brokers needing to pivot away from sales-based financing.<\/p>\n<h3 class=\"font-semibold pdf-heading-class-replace text-h4 leading-[30px] pt-[15px] pb-[2px] [&amp;_a]:underline-offset-[6px] [&amp;_.underline]:underline-offset-[6px]\" dir=\"ltr\">2. Enhance Transparency and Communication With Clients<\/h3>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">With new disclosure requirements in effect, transparency will be essential to ensure brokers maintain compliance and avoid legal risks. Educate clients on the implications of sales-based financing regulations and work collaboratively to tailor solutions that meet their business needs while staying within the law.<\/p>\n<h3 class=\"font-semibold pdf-heading-class-replace text-h4 leading-[30px] pt-[15px] pb-[2px] [&amp;_a]:underline-offset-[6px] [&amp;_.underline]:underline-offset-[6px]\" dir=\"ltr\">3. Stay Updated on Legislation<\/h3>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">Familiarizing yourself with every aspect of HB 700 is only the beginning. Ongoing monitoring of government updates and legal interpretations will be critical in ensuring your operations remain fully compliant. Subscribe to industry newsletters, collaborate with legal counsel, and engage with associations like the International Factoring Association for insights.<\/p>\n<h2 class=\"font-semibold pdf-heading-class-replace text-h3 leading-[40px] pt-[21px] pb-[2px] [&amp;_a]:underline-offset-[6px] [&amp;_.underline]:underline-offset-[6px]\" dir=\"ltr\">Looking Ahead for the Sales-Based Financing Sector<\/h2>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">The introduction of HB 700 undoubtedly presents challenges, but it also opens the door for innovation in financing methods. For resourceful loan brokers, this evolution in the regulatory landscape is an opportunity to explore untapped markets and alternative funding solutions.<\/p>\n<p class=\"text-body font-regular leading-[24px] pt-[9px] pb-[2px]\" dir=\"ltr\">By aligning with compliance standards and diversifying funding portfolios, brokers can continue to position themselves as trusted advisors to merchants and entrepreneurs navigating these changes.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<span style=\"font-size: 13px; line-height: 15px;\">Your privacy is important to us. ARF Financial will never sell or rent your information to any third party.\u00a0<a href=\"https:\/\/www.arffinancial.com\/development\/privacy\/?utm_source=Outbrain&amp;utm_medium=OutbrainBlog&amp;utm_term=Outbrain&amp;utm_content=GoingGreen&amp;utm_campaign=GoingGreen\">Click here<\/a> for more information about our privacy policy. <a href=\"https:\/\/www.freepik.com\/free-photo\/happy-waitress-serving-coffee-couple-who-is-eating-cake-cafe_26607495.htm#fromView=search&amp;page=1&amp;position=2&amp;uuid=03f595ad-4d99-4a65-bce4-2d7051c5618d&amp;query=restaurant+owner+with+customers\">Image by Drazen Zigic on Freepik<\/a><\/span>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_single_image image=&#8221;52773&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text] The recent passage of Texas House&#8230;<\/p>\n","protected":false},"author":5,"featured_media":52773,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","om_disable_all_campaigns":false,"footnotes":""},"categories":[1183],"tags":[1374,399,443,1373,1369,386,1535,1372,535,1534,1536,220,1502,213,1370,1371,401,224,222,172,226,307,1178,1538,1537,1589,142],"class_list":{"0":"post-52772","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-referral-partners","8":"tag-become-a-loan-broker-partner","9":"tag-business-growth","10":"tag-business-line-of-credit","11":"tag-business-loan-referral-partners","12":"tag-business-loan-referral-program","13":"tag-business-loans","14":"tag-client-engagement","15":"tag-earn-commission-on-business-loans","16":"tag-equipment-leasing","17":"tag-financial-advisory","18":"tag-financing-options","19":"tag-flex-pay-loans","20":"tag-lending-experts","21":"tag-line-of-credit","22":"tag-loan-broker-commission-program","23":"tag-referral-partner-business-loans","24":"tag-small-business-expansion","25":"tag-small-business-financing","26":"tag-small-business-funding","27":"tag-small-business-growth","28":"tag-small-business-loans","29":"tag-small-business-operations","30":"tag-small-business-owners","31":"tag-strategic-partnerships","32":"tag-trusted-advisor","33":"tag-what-loan-brokers-need-to-understand-about-the-sales-based-financing-ach-prohibition-law","34":"tag-working-capital"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Loan Brokers Need to Understand About the Sales-Based Financing ACH Prohibition Law - ARF Financial<\/title>\n<meta name=\"description\" content=\"Explore the implications of Texas HB 700, banning sales-based ACH debits. Learn how loan brokers can comply and adapt in this changing landscape.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arffinancial.com\/development\/what-loan-brokers-need-to-understand-about-the-sales-based-financing-ach-prohibition-law\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Loan Brokers Need to Understand About the Sales-Based Financing ACH Prohibition Law - ARF Financial\" \/>\n<meta property=\"og:description\" content=\"Explore the implications of Texas HB 700, banning sales-based ACH debits. Learn how loan brokers can comply and adapt in this changing landscape.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arffinancial.com\/development\/what-loan-brokers-need-to-understand-about-the-sales-based-financing-ach-prohibition-law\/\" \/>\n<meta property=\"og:site_name\" content=\"ARF Financial\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-25T19:43:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2025\/06\/ARF-Blog-06252025.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"920\" \/>\n\t<meta property=\"og:image:height\" content=\"420\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Robert Whited\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Robert Whited\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.arffinancial.com\/development\/what-loan-brokers-need-to-understand-about-the-sales-based-financing-ach-prohibition-law\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/what-loan-brokers-need-to-understand-about-the-sales-based-financing-ach-prohibition-law\/\"},\"author\":{\"name\":\"Robert Whited\",\"@id\":\"https:\/\/www.arffinancial.com\/development\/#\/schema\/person\/ab727372fcd4ff548d759472b7c7fecc\"},\"headline\":\"What Loan Brokers Need to Understand About the Sales-Based Financing ACH Prohibition Law\",\"datePublished\":\"2025-06-25T19:43:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/what-loan-brokers-need-to-understand-about-the-sales-based-financing-ach-prohibition-law\/\"},\"wordCount\":914,\"publisher\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/what-loan-brokers-need-to-understand-about-the-sales-based-financing-ach-prohibition-law\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2025\/06\/ARF-Blog-06252025.jpg\",\"keywords\":[\"Become a Loan Broker Partner\",\"business growth\",\"business line of credit\",\"Business Loan Referral Partners\",\"Business Loan Referral Program\",\"business loans\",\"client engagement\",\"Earn Commission on Business Loans\",\"equipment leasing\",\"financial advisory\",\"financing options\",\"flex pay loans\",\"lending experts\",\"line of credit\",\"Loan Broker Commission Program\",\"Referral Partner Business Loans\",\"small business expansion\",\"small business financing\",\"small business funding\",\"small business growth\",\"small business loans\",\"small business operations\",\"small business owners\",\"strategic partnerships\",\"trusted advisor\",\"What Loan Brokers Need to Understand About the Sales-Based Financing ACH Prohibition Law\",\"working capital\"],\"articleSection\":[\"Referral Partners\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.arffinancial.com\/development\/what-loan-brokers-need-to-understand-about-the-sales-based-financing-ach-prohibition-law\/\",\"url\":\"https:\/\/www.arffinancial.com\/development\/what-loan-brokers-need-to-understand-about-the-sales-based-financing-ach-prohibition-law\/\",\"name\":\"What Loan Brokers Need to Understand About the Sales-Based Financing ACH Prohibition Law - ARF Financial\",\"isPartOf\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/what-loan-brokers-need-to-understand-about-the-sales-based-financing-ach-prohibition-law\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/what-loan-brokers-need-to-understand-about-the-sales-based-financing-ach-prohibition-law\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2025\/06\/ARF-Blog-06252025.jpg\",\"datePublished\":\"2025-06-25T19:43:04+00:00\",\"description\":\"Explore the implications of Texas HB 700, banning sales-based ACH debits. 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