Disclosures
See required state disclosures for Merchant Cash Advance and business funding. Liquidela partners only with compliant providers who deliver all legally mandated cost disclosures.
Effective Date: October 8, 2025
1. Purpose
This Disclosures page provides information required by certain state privacy laws and commercial financing disclosure laws. It supplements our Privacy Policy and applies to users, applicants, and businesses who interact with Liquidela.com (“Liquidela,” “we,” “us,” or “our”).
2. State Consumer Privacy Disclosures
Certain states provide additional privacy rights to their residents. If you are a resident of California, Virginia, Colorado, Connecticut, or Utah, the following summaries apply in addition to the rights described in our Privacy Policy.
| State | Additional Rights & Information |
|---|---|
| California (CCPA / CPRA) | Right to know, correct, delete, limit use of sensitive data, and opt out of sale or sharing of personal information. |
| Virginia (VCDPA) | Right to access, correct, delete, obtain a copy of your data, and opt out of targeted advertising or sale of personal data. |
| Colorado (CPA) | Right to access, correct, delete, data portability, and opt out of certain processing. |
| Connecticut (CTDPA) | Right to access, correct, delete, obtain a copy, and opt out of sale or targeted advertising. |
| Utah (UCPA) | Right to access, delete, and opt out of targeted advertising or sale of personal data. |
To exercise your rights, contact [email protected] or call (888) 913-6889. If we deny your request, you may appeal by replying to our response or emailing [email protected] with “Privacy Appeal” in the subject line.
3. Merchant Cash Advance (MCA) and Commercial Financing Disclosures
Certain U.S. states have enacted laws requiring cost disclosures for Merchant Cash Advances (MCAs) and other small-business commercial financing. Liquidela complies with these laws to the extent they apply to referral, brokerage, and technology platforms.
Important: This page is informational only and is not a commercial financing disclosure form. If you are approved or referred for funding, the funding provider will supply you with the official state-mandated disclosure before you sign any agreement.
State-Specific Commercial Financing Disclosure Requirements
| State | Disclosure Law | What You’ll Receive |
|---|---|---|
| California | Commercial Financing Disclosure Law (SB 1235) | For covered financing ≤ $500,000, providers must disclose total funds provided, total dollar cost of financing, estimated APR or annualized cost metric (as applicable), payment method/schedule, term, and prepayment terms. |
| New York | Commercial Financing Disclosure Law (CFDL) | For financing ≤ $2.5 million, providers must disclose finance charges, total repayment amount, estimated APR, payment schedule, and prepayment details. |
| Utah | Commercial Financing Registration and Disclosure Act (2023) | Providers must register with the state and disclose total funds provided, all fees or charges, payment method, and repayment details. |
| Virginia | Commercial Financing Act (effective 2024) | Providers must disclose total cost of financing, total repayment, payment method/schedule, and prepayment terms for covered small-business financing. |
| Connecticut | Small Business Truth-in-Financing Act (effective 2024) | Providers must disclose total cost and rate metrics, repayment amount, term, and prepayment terms for covered financing up to $250,000. |
| Other States | Pending / proposed legislation (e.g., Florida, Georgia, and others) | Liquidela will update this page as new disclosure laws take effect. |
Provider Responsibility: Commercial financing disclosures are prepared and delivered by the funding provider in compliance with the laws of the applicable state. If any information on this page differs from a provider’s official disclosure, the provider’s disclosure controls.
What This Means for You
- You will receive a standardized disclosure form directly from the funding provider before finalizing any MCA or financing offer.
- The disclosure will show:
- Total funds provided
- Total repayment amount and fees
- Estimated cost of capital or annualized rate (if required)
- Payment schedule and term
- Prepayment policies and any additional costs
For sales-based financing (MCA), payment amounts and time to full repayment may vary with your receivables. Any cost or APR equivalents shown are estimates required by law and may differ from actual results.
Who Provides the Official Disclosure
Liquidela is not a lender or funding provider. We do not create, issue, or deliver any state-mandated commercial financing disclosure forms. These legally required disclosures are provided solely by the funding company or provider that evaluates or funds your transaction.
4. No Guarantee or Endorsement
Liquidela does not make credit decisions, extend financing, or guarantee approval. All credit terms, costs, and required disclosures are determined by the independent funding provider that reviews your application.
5. Contact for State Disclosure Questions
Liquidela, Inc.8N Front Street #0201
Kingston, NY 12401
Email: [email protected]
Phone: (888) 913-6889
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