State Disclosures & Operating Restrictions

Last Updated: September 16, 2025

Happy To Help Funding (HTHF) is a business-purpose financing broker, not a lender. We match businesses with independent financing providers. Funding decisions, terms, and rates are made by those providers.

Current Service Area

HTHF currently serves most U.S. states. We do not operate in the following states at this time due to state-specific financing laws or restrictions:

California

New York

Utah

Virginia

Connecticut

Florida

Georgia

Kansas

North Carolina

Nevada

Arizona

Michigan

Minnesota

Idaho

Montana

Nebraska

Vermont

Important Notices

California (CA): Commercial Financing Disclosure Law (DFPI) requires specific disclosures before offers are accepted. HTHF does not currently operate in CA.

New York (NY): 23 NYCRR 600 requires commercial financing disclosures. HTHF does not currently operate in NY.

Utah (UT): Registration and disclosure required under Utah Commercial Financing Registration Act. HTHF does not currently operate in UT.

Other states listed above: Similar disclosure or broker restrictions apply.

Broker Compensation

HTHF may receive compensation from financing providers if you fund a transaction, and/or may charge a broker fee where permitted by law. Any required disclosures of compensation will be provided in writing before you accept an offer.

Updates

This list may change as laws evolve or our coverage expands. For questions about your state, contact us at info@happytohelpfunding.com