# Where Capital Gurus Works

Capital Gurus is a Las Vegas brokerage working with businesses across the United States. This page sets out what is the same wherever you trade, what genuinely changes from one state to another, and where to find the pages that go into local detail.

[See your financing options](https://capitalgurus.com/apply/) · [(725) 425-4307](tel:+17254254307)

Soft credit pull only, no obligation.

- Same-day decisions from some providers. Subject to provider approval and document turnaround.
- 700+ industries served
- Reviews: [Trustpilot](https://www.trustpilot.com/review/capitalgurus.com) · [Google](https://g.page/r/Cf6zosahxIXzEBM/review) · [BBB](https://www.bbb.org/us/nv/las-vegas/profile/small-business-loans/capital-gurus-1086-90086762)

## Where do you do business?

- **Nevada and Las Vegas**: [Business financing in Las Vegas, NV](https://capitalgurus.com/locations/nevada/las-vegas/) — The home market: the office address, the valley's industries, and what a Nevada business gets before signing.
- **Any other state**: Your state is in the [list below](https://capitalgurus.com/locations/#states), with its disclosure law where it has one. For anything specific to your state, [call us](tel:+17254254307).
- **What changes by state**: Which providers fund there, what disclosure a provider must give, and sometimes how many bank statements are asked for

**What does not change**: One application, about 5 minutes, soft credit pull only, read by the same team at our Las Vegas head office, 1700 S Pavilion Center Dr, Ste 420, Las Vegas, NV 89135, for US businesses in over 700 industries.

## State by state

The application is the same in every state. What a state can change is the disclosure a provider gives you with an offer.

| State | Disclosure law |
| --- | --- |
| [Nevada · Las Vegas](https://capitalgurus.com/locations/nevada/las-vegas/) |  |
| Alabama |  |
| Alaska |  |
| Arizona |  |
| Arkansas |  |
| California | SB 1235 (2022) |
| Colorado |  |
| Connecticut | Public Act 23-201 (2024) |
| Delaware |  |
| Florida | HB 1353 (2023) |
| Georgia | SB 90 (2024) |
| Hawaii |  |
| Idaho |  |
| Illinois |  |
| Indiana |  |
| Iowa |  |
| Kansas | SB 345 (2024) |
| Kentucky |  |
| Louisiana | Act 198 of 2025 |
| Maine |  |
| Maryland |  |
| Massachusetts |  |
| Michigan |  |
| Minnesota |  |
| Mississippi |  |
| Missouri | SB 1359 (2025) |
| Montana |  |
| Nebraska |  |
| New Hampshire |  |
| New Jersey |  |
| New Mexico |  |
| New York | Commercial Finance Disclosure Law (2023) |
| North Carolina |  |
| North Dakota |  |
| Ohio |  |
| Oklahoma |  |
| Oregon |  |
| Pennsylvania |  |
| Rhode Island |  |
| South Carolina |  |
| South Dakota |  |
| Tennessee |  |
| Texas | HB 700 (2025) |
| Utah | Utah Code §7-27 (2023) |
| Vermont |  |
| Virginia | Code §6.2-2228 (2022) |
| Washington |  |
| West Virginia |  |
| Wisconsin |  |
| Wyoming |  |

A state marked here has a commercial-financing disclosure law: the provider that makes you an offer gives you that state's disclosure with it. The other states have none in our compliance matrix; New Jersey has a bill pending. Each law at its source: [California](https://dfpi.ca.gov/press_release/dfpis-commercial-financing-disclosure-regulations-approved-to-become-effective-as-of-december-9-2022/), [Connecticut](https://www.cga.ct.gov/2023/ACT/PA/PDF/2023PA-00201-R00SB-01032-PA.PDF), [Florida](https://www.flsenate.gov/Laws/Statutes/2025/559.961), [Georgia](https://www.legis.ga.gov/api/legislation/document/20232024/219440), [Kansas](https://www.ksrevisor.gov/statutes/chapters/ch75/075_007_0083.html), [Louisiana](https://www.legis.la.gov/legis/BillInfo.aspx?i=248484), [Missouri](https://revisor.mo.gov/main/OneSection.aspx?section=427.300), [New York](https://www.dfs.ny.gov/reports_and_publications/press_releases/pr202302011), [Texas](https://capitol.texas.gov/tlodocs/89R/billtext/html/HB00700F.htm), [Utah](https://le.utah.gov/xcode/Title7/Chapter27/7-27.html), [Virginia](https://law.lis.virginia.gov/vacodefull/title6.2/chapter22.1/).

## One application

The application does not change with your address. It takes about 5 minutes, it is a soft credit pull only, and the same desk reads it.

Same-day decisions are possible, depending on the funding provider.

Capital Gurus is not a lender: we are not the party that decides, so "do you fund in my state" is really "do the providers in your network fund in your state", and the answer differs by product and by provider.

## What genuinely varies

**Which providers operate there.** Some providers do not write business in every state: a shorter list of options, not a closed door.

**What you are given with an offer.** Several states require a standardized disclosure of the total cost with an offer. Where that applies, read it first.

**How much documentation is asked for.** Some providers ask for more bank statements in some states: a documentation rule, not a judgment.

## What we leave out

The state list carries one fact per state, the disclosure law, because it is sourced and dated. The rest changes too often to publish.

State guides are published one at a time, as their facts are sourced. Until yours exists, call [(725) 425-4307](tel:+17254254307) and ask: the desk answers from provider guidelines, not from a web page.

## Keep reading

### Related pages

- [All financing options](https://capitalgurus.com/loans-and-financing/)
- [Contact us](https://capitalgurus.com/contacts/)
- [Blog](https://capitalgurus.com/blog/)

## Frequently asked questions

### Do you work with businesses outside Nevada?

Yes. The office is in Las Vegas and the business is national: an application is read the same way wherever you do business, and the advisor you speak to is the same team. What varies is which providers fund in your state and what each one asks for there.

### What actually changes from state to state?

Three things in practice: whether a given funding provider operates in your state, what disclosure that provider must give you with an offer, and occasionally how much documentation it wants — some providers ask for more bank statements in certain states. None of that changes how you apply.

### Why is there not a page for every state?

Because a state page is only worth publishing when the state-specific facts in it are sourced: the disclosure position, which products providers actually fund there, the public programs that exist and are still open. Until then, the state list on this page carries the one fact that is sourced for every state: whether it has a commercial-financing disclosure law.

### Does my state affect which products I can get?

It can. A provider may not fund a particular product in a particular state, and that is the provider's rule rather than ours. The practical effect is usually fewer options rather than none, and an advisor will tell you what is open to your file when they read it.

Still have a question? [talk to a funding advisor](https://capitalgurus.com/contacts/)

## Decisions from some providers the same day, depending on the provider.

Subject to provider approval and document turnaround.

[Apply now](https://capitalgurus.com/apply/) · [Call (725) 425-4307](tel:+17254254307)

About 5 minutes, soft credit pull only · [talk to a funding advisor](https://capitalgurus.com/contacts/)

By the Capital Gurus Editorial Team · Reviewed by Joseph Wartz · [Editorial policy](https://capitalgurus.com/editorial-policy/)

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Source: https://capitalgurus.com/locations/ · Last reviewed 2026-10-28 · Capital Gurus is not a lender.