Texas business owners we help
Texas is home to one of the largest and fastest-growing small-business economies in the country. Our consulting is typically a fit for Texas owners who:
- Are managing $10,000–$500,000+ in business debt
- Have taken on multiple merchant cash advances (MCAs) or stacked short-term financing
- Are experiencing persistent cash-flow pressure that makes daily or weekly payments hard to sustain
- Are weighing restructuring, settlement, or refinancing and want to understand the tradeoffs first
- Want an independent second opinion before committing to a path
- Are preparing for SBA, conventional, or alternative financing and need a clear plan
Why Texas owners work with us
Flat-fee, never contingency. You pay a defined fee for strategic clarity. We don't earn more if you settle, restructure, or borrow — which means we can tell you honestly when inaction is the right call.
Independent. No lender affiliations, no debt-firm ownership. We sit on the same side of the table as you.
Connected to licensed professionals. Renaissance Capital Advisors is a consulting and referral firm. Where execution requires regulated, licensed work, we connect you with the appropriate licensed professional — an attorney or a registered provider — and help you vet them.
Confidential and fast. We respond to every inquiry within one business day. Your situation stays between us — no sales follow-ups, no email lists.
How a Texas consultation works
Step 1 — Situation review. We review your current debt, cash position, and any offers on the table. Consultations are by phone or video, so owners anywhere in Texas can take part.
Step 2 — Options mapping. We lay out every realistic path — restructuring, settlement, refinancing, or strategic inaction — and explain the tradeoffs of each.
Step 3 — Connection and plan. You leave with a clear picture of your options. Where regulated execution is needed, we connect you with a licensed professional and outline next steps.
What Texas business owners should know about MCA and debt regulation
Texas significantly changed its treatment of merchant cash advances in 2025. House Bill 700, a commercial sales-based financing law, took effect in September 2025 and requires MCA providers to give written disclosures of key terms — the amount financed, the finance charge, the total repayment amount, fees, and repayment terms. The law also restricts providers from automatically debiting a business's account unless specific conditions are met, and requires providers and brokers to register with the state.
The law is administered by the Texas Office of Consumer Credit Commissioner. Historically, Texas treated MCAs as account-purchase transactions rather than loans, which kept them outside state usury limits — HB 700 marks a notable shift toward disclosure and oversight. You can learn more from the Texas Office of Consumer Credit Commissioner.
For neutral, non-state-specific guidance on small-business financing, the U.S. Small Business Administration is a useful starting point. None of this is legal advice — it is context to help you ask sharper questions. For how these rules interact with your specific contracts, our guide to evaluating an MCA stack and a restructuring consultation map it to your situation.
Frequently asked questions
Renaissance Capital Advisors provides strategic consulting and referral services only. We are not licensed attorneys, CPAs, financial advisors, or a debt settlement company. Regulated debt-resolution work is performed by appropriately licensed third parties. Nothing on this page constitutes legal, tax, accounting, or financial advice. Consult a licensed professional before making binding decisions.