deBanked’s Top Stories of 2025

With deBanked having closed out its 15th year (WHOA) of being online, it appears that merchant cash advance content still dominates in views. I know this because these were the top five most read stories of 2025:

#1 – Texas Passed an MCA ACH Prohibition
Without a perfected first position, Texas no longer allows commercial sales-based financing providers to automatically ACH debit a merchant’s bank account.
See: Texas Governor Signs Sales-Based Financing ACH Prohibition Into Law

#2 – Ban on Refinancing MCAs With SBAs
The world took note when the SBA stated that: “merchant cash advances and factoring agreements are not eligible for refinancing for Standard 7(a) loans, 7(a) Small loans, SBA Express loans, Export Express loans, and International Trade loans.”
See: SBA Places Restrictions on Use of Proceeds to Refinance Merchant Cash Advances and Factoring Agreements

#3 – The CFPB Proposed Removing MCAs From Section 1071
After years of preparing for a world in which MCAs would be subject to CFPB small business loan data collection rules, the agency proposed taking MCAs out.
See: CFPB Reverses Course: Now Proposes to Remove Merchant Cash Advances from Section 1071 Rule

#4 – Getting Backdoored? Try This Watermark
One of the biggest stories of 2025 was a proposed solution to the backdooring problem.
See: Getting Backdoored? Put Your Mark on the Docs

# 5- New California Law Goes into Effect on January 1, 2026
This story was posted at the very end of the year and yet managed to secure a place as the 5th most read story on deBanked in 2025. Is the industry ready for this new law???
See: Brokers and Funders – Are You Ready for Changes to California Law Effective January 1, 2026?

Sean Murray is the President and Chief Editor of deBanked and the founder of the Broker Fair Conference. Connect with me on LinkedIn or follow me on twitter. You can view all future deBanked events here.