Merchant Cash Advance for Landscaping & Lawn Care Businesses in Georgia: 2026 Guide

Georgia is one of only two states in the Southeast with a mandatory MCA disclosure law — and its landscape market runs eleven months a year.

Those two facts define the context for any Georgia landscaping company evaluating a merchant cash advance. SB 90 (effective January 1, 2024) gives Georgia landscapers a baseline protection their counterparts in South Carolina, Tennessee, Alabama, North Carolina, and Mississippi don’t have: a written dollar-cost disclosure before signing. The law discloses total cost in dollars, not an annualized APR, and it doesn’t ban confession-of-judgment clauses — but it’s a floor most of the region lacks (only Florida, with HB 1353, has a comparable dollar-cost disclosure law).

The landscape market it applies to is one of the strongest in the country. Metro Atlanta’s northern suburbs — Alpharetta, Milton, Johns Creek, Roswell, Sandy Springs, East Cobb — form the densest concentration of high-income HOA-managed estates in the Southeast. Savannah’s coastal estates, resort-corridor golf courses, and the emerging Hyundai Metaplant America industrial orbit in Bryan County add a second distinct regional market. Augusta’s golf-course maintenance industry and Fort Moore’s military community create a third. Georgia’s 10- to 11-month active growing season means deposits are more consistent than northern-state operators, and that consistency lowers underwriting risk.

Understanding both the legal landscape and the market opportunity is what this guide is for.

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TL;DR

• SB 90 disclosure applies — dollar cost, not APR. Georgia SB 90 (effective January 1, 2024) requires MCA providers to disclose the amount financed, total dollar cost, total repayment, and payment schedule before any advance of $500,000 or less closes. It does not require an annualized APR — the same dollar-cost approach as Florida’s HB 1353, and weaker than California and New York, which do require APR. Convert the disclosed dollar cost to an APR yourself with the MCA calculator before comparing offers.
• COJ is not banned. Georgia courts permit confession-of-judgment clauses in commercial contracts. Read the governing-law clause: if the contract selects Ohio or Pennsylvania as the forum, COJ can be obtained there without notice and domesticated in Georgia. Consult a Georgia business attorney for advances above $50,000 with a COJ clause.
• No statewide landscape contractor license. The GCIB does not license landscaping as a trade. Irrigation contractor work requires a separate state license. Local county business licenses are required in most metro counties.
• Two GDA pesticide licenses required for any commercial pesticide application — individual Commercial Pesticide Applicator (Category 24: Ornamental and Turf) + Pesticide Contractor business license ($55/year). Both are publicly searchable by underwriters.
• No state prevailing wage law. Federal Davis-Bacon applies to federally funded construction projects; most public grounds maintenance contracts fall outside that coverage. Low compliance overhead relative to the Northeast.
• Georgia minimum wage follows the federal $7.25 floor. Structural labor-cost advantage over Florida ($14.00/hr) and the Northeast; actual competitive wages for skilled crew leads in the Atlanta metro run $16–$22/hr.
• 10- to 11-month growing season. More consistent deposit history than northern states reduces funder risk. Factor rates run 1.18–1.48 — at the lower end of the national landscaping range.
• Atlanta northern suburbs are the market anchor. Alpharetta, Milton, Johns Creek, Roswell, Sandy Springs, East Cobb — HOA density, estate accounts, and income levels that support premium long-term maintenance contracts.
• Apply after a peak month. Spring (March–May) or early fall (September–October) statements show the strongest deposit history for underwriting.

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Georgia’s MCA Regulatory Picture

SB 90: One of the Southeast’s Two Mandatory Disclosure Laws

Georgia SB 90 — signed by Governor Kemp on May 1, 2023, and effective January 1, 2024 — requires any commercial financing provider that completes more than five commercial financing transactions per year in Georgia to provide a written disclosure before a financing agreement of $500,000 or less is signed. For MCA providers, this means a written cost summary must be delivered before you sign — not at closing, not after the funds hit your account, but before you commit.

What SB 90 requires providers to disclose:

1. Total funds provided
2. Amount financed — total funds disbursed net of all fees and deductions (if different from funds provided)
3. Total amount to be repaid
4. Total cost of financing in dollars
5. Payment schedule or frequency
6. Any prepayment charges or penalties

SB 90 does not require an APR. This is the single most important thing to understand about the law. It mandates dollar-cost disclosure — the total cost of financing expressed in dollars — but not an annualized percentage rate. That is the same approach Florida takes in HB 1353. Only California (SB 1235) and New York (S5470B) require providers to print an estimated APR; Georgia sits with Florida, Texas, Utah, and Virginia in the dollars-only group. SB 90 also requires brokers to register, disclose their compensation, and prohibits undisclosed kickbacks and double-dipping.

The practical check: because SB 90 gives you the dollar cost but not the rate, do the annualization yourself. Enter the amount financed and the total repayment (both disclosed) plus your expected repayment term into the MCA calculator to get an APR you can compare against equipment financing or an SBA loan. A shorter repayment window raises the effective APR even on the same factor rate — a 1.26 factor repaid in 90 days is far more expensive on an annualized basis than the same factor repaid over 12 months. The dollar cost alone hides that.

Enforcement. Georgia SB 90 carries civil penalties of $500–$1,000 per violation, capped at $20,000 aggregate ($50,000 for repeated violations within five years). There is no private right of action — SB 90 amends Georgia’s Fair Business Practices Act, which the Georgia Attorney General’s Consumer Protection Division enforces. This penalty structure is similar to Florida’s HB 1353, lighter than California’s DFPI regime, and lighter than New York’s DFS enforcement.

Context. Georgia is one of the few Southeast states with any mandatory MCA disclosure. South Carolina, Tennessee, Alabama, North Carolina, and Mississippi have no equivalent law. For a Georgia landscaping company, this is a meaningful baseline protection — but it is a baseline, not a comprehensive framework.

Confession of Judgment: Partial Exposure

Georgia SB 90 does not ban confession-of-judgment clauses. Georgia courts generally permit COJ in commercial contracts. This puts Georgia in an intermediate position: not a high-protection state like Florida (§55.05 outright ban), Virginia (HB 1027 bans COJ for MCA contracts under $500,000), New Jersey (P.L.2019 c.430 categorical COJ ban), or New York (CPLR §3218 bars COJ against out-of-state borrowers) — but also not an active forum-selection state like Ohio (ORC §2323.12–2323.13) or Pennsylvania (Pa.R.C.P. 2950–2967).

The practical risk is choice-of-law. Many MCA contracts don’t say “we’ll get a COJ in Georgia.” They say the contract is “governed by the laws of the State of Ohio” or “the State of Pennsylvania” — both of which explicitly authorize cognovit notes in commercial contracts. Under those forum-selection clauses, the provider can file the signed contract with an Ohio or Pennsylvania court, which enters a judgment against your business in days: no lawsuit, no advance notice, no opportunity to contest the debt before judgment is entered. They then domesticate that judgment in Georgia under the Uniform Enforcement of Foreign Judgments Act. Your first notice may be a bank-account garnishment or a lien against your commercial mowers, service trucks, or trailers.

Before signing any MCA, search the full contract for:

• “confession of judgment”
• “cognovit”
• “warrant of attorney to confess judgment”
• “power of attorney to confess judgment”
• “confess judgment”

Then locate the “Governing Law,” “Choice of Law,” or “Jurisdiction” clause. If the forum is Ohio or Pennsylvania — the two states most commonly selected as MCA forum jurisdictions precisely because COJ is reliable there — contact a Georgia business attorney before signing, especially for advances above $50,000.

The confession-of-judgment guide explains how this mechanism works in detail.

Disclosure Law Coverage in Neighboring States

Georgia’s SB 90 is unusual in the region — but not unique. Of Georgia’s neighbors, only Florida (HB 1353) has a comparable law, and it uses the same dollar-cost-only approach as Georgia. South Carolina, Tennessee, North Carolina, Alabama, and Mississippi have enacted no MCA disclosure law at all. For landscaping companies that operate across state lines, Georgia’s SB 90 applies only to transactions consummated in Georgia; a multi-state operator signing an advance in South Carolina has no disclosure rights there. (South Carolina has introduced commercial-financing disclosure bills — most recently in the 2025–26 session — but none has been enacted; re-check current status before relying on a “no disclosure” characterization for any neighboring state.)

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Georgia Regulatory Overview for Landscaping Businesses

No Statewide Landscape Contractor License

The Georgia State Licensing Board for Residential and General Contractors (GCIB) licenses general contractors, residential contractors, electrical, plumbing, HVAC, and a handful of specialty trades — but not landscaping. Basic lawn maintenance, mowing, mulching, planting, and grounds care can be performed commercially in Georgia without a state landscape contractor license.

Irrigation contractor exception. Any company that installs, maintains, or repairs irrigation systems for compensation requires a licensed Irrigation Contractor under GCIB. Irrigation contractor licensing requires documented experience, passing an exam, and maintaining an active license. Subcontracting all irrigation work to a licensed irrigator exempts you from holding the license yourself — but the licensed subcontractor must hold it. Verify current irrigation contractor requirements at sos.ga.gov/licensing.

Local business licenses. Metro Atlanta counties — Fulton, Gwinnett, Cobb, DeKalb, Cherokee, Forsyth, Henry — each require an occupational tax certificate or business license for commercial operations regardless of state license status. Alpharetta, Roswell, Sandy Springs, Marietta, Kennesaw, and Duluth have separate city business license requirements. Savannah, Chatham County, and Augusta-Richmond County maintain their own systems. Missing a county or city license can surface in MCA underwriting for funders that run business-registration database checks.

GDA Commercial Pesticide Applicator License

Any Georgia landscaping company that applies pesticides for compensation — weed control, turf chemical programs, fire ant treatment, fungicide applications, tree and shrub spraying — must hold a Commercial Pesticide Applicator license from the Georgia Department of Agriculture (GDA) under the Georgia Pesticide Use and Application Act (O.C.G.A. §2-7-90 et seq.).

Category 24 (Ornamental and Turf) is the relevant category for lawn and turf work, covering herbicides, insecticides, and fungicides applied to lawns, landscapes, and ornamental plants. Two separate licenses are required: (1) an individual Commercial Pesticide Applicator license (pass the general safety exam + Category 24 category exam), and (2) a Pesticide Contractor license for the business entity ($55 annual fee; renews December 31, with a 50% late penalty after the deadline). At least one certified Commercial Applicator must be designated for the business; other employees who apply pesticides may operate as licensed Operators supervised by the certified applicator.

Verify current individual exam fees, renewal schedule, and category numbers at agr.georgia.gov — fees and category designations may be updated. The GDA pesticide licensing database is publicly searchable — underwriters who check your license can verify active status and compliance history. An active, clean license is a positive signal on MCA applications; an expired or suspended license can trigger declines.

No State Prevailing Wage Law

Georgia has no state prevailing wage law. Federal Davis-Bacon and Related Acts (40 U.S.C. §§3141–3148) apply to federal and federally assisted construction contracts above $2,000 — but routine public landscape maintenance (mowing, fertilizing, leaf removal, seasonal color) generally falls outside Davis-Bacon coverage, which targets construction rather than services.

The federal Service Contract Act (SCA, 41 U.S.C. §6701 et seq.) may apply to federal service contracts above $2,500 — verify SCA applicability at dol.gov/agencies/whd/government-contracts/sca if bidding on any federal agency grounds contract. Most public-entity grounds maintenance contracts in Georgia at the county, municipal, or school district level carry no prevailing wage requirement. This is a meaningful operational advantage over landscaping competitors in Connecticut (high thresholds), Massachusetts (prevailing wage on essentially all public works), and Rhode Island ($1,000 threshold that captures nearly every public grounds contract).

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How ACH-Based MCAs Work for Georgia Landscape Contractors

Georgia landscaping revenue arrives primarily by check, ACH, and bank wire — from HOA management accounts, commercial property managers, hotel and resort accounting departments, and institutional clients. Card terminals are rarely central to commercial landscaping billing. Funders use ACH-based (bank-statement) programs: they review 3–6 months of business bank statements, calculate average monthly deposits, and structure repayment as either a fixed daily ACH debit or a holdback percentage of daily deposits.

For a Georgia landscaping company averaging $42,000 in monthly deposits:

Advance Amount	Factor Rate	Total Repayment	Fixed Daily ACH (est.)
$15,000	1.22	$18,300	~$244/day over ~75 days
$30,000	1.26	$37,800	~$315/day over ~120 days
$60,000	1.32	$79,200	~$440/day over ~180 days

These are illustrative fixed-debit figures. Request a holdback or revenue-based structure — a percentage of daily deposits rather than a flat daily pull. Georgia’s longer growing season means relatively consistent month-to-month deposits, but operators in North Georgia mountain areas or those running primarily summer irrigation programs still see pronounced seasonal gaps. A holdback that moves with revenue protects reserves during slower periods.

Where Georgia factor rates sit. At 1.18–1.48, Georgia rates are near the lower end of the national landscaping range (1.20–1.48). Georgia’s 10- to 11-month growing season produces more consistent deposit histories than six-month northern states, and that consistency reduces funder risk. Established metro Atlanta HOA-belt operators with multi-year contract histories and year-round deposit flow can compete with Florida operators for the best terms.

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Georgia’s Regional Landscape Markets

Metro Atlanta / North Atlanta Suburbs — The Primary Market

The northern suburbs of Atlanta form the largest and most valuable residential landscaping market in the Southeast. The arc from Dunwoody and Sandy Springs north through Roswell, Alpharetta, and Milton, east through Johns Creek and Suwanee, and northwest through East Cobb, Marietta, Kennesaw, and Woodstock contains the highest concentration of HOA-managed communities and estate residential properties in the region.

Johns Creek consistently ranks among the top-ten highest-income cities in Georgia by median household income. Milton — incorporated in 2006 to prevent annexation by higher-density municipalities — has maintained large-lot zoning that supports horse farms and multi-acre estate properties with six-figure annual landscaping contracts. Alpharetta and Sandy Springs host dozens of corporate campuses and office park complexes (Microsoft, NCR, Concentrix, UPS Technology Group, State Farm Southeast offices) that generate commercial grounds maintenance demand alongside the residential HOA market.

Characteristic accounts in the north Atlanta market:

• HOA community associations paying net-30 to net-60 from property management billing departments (Gwinnett County alone has over 2,200 active HOAs)
• Estate residential clients with 1–5 acre properties in Alpharetta, Milton, and Johns Creek
• Corporate campus grounds contracts with institutional payment cycles
• Golf course surrounds and private club grounds in areas like Eagle’s Landing, Reynolds Lake Oconee, and Cherokee County

Established north Atlanta suburban operators with HOA and corporate accounts, 3+ years in business, and $40,000–$60,000/month in deposits typically qualify at factor rates of 1.18–1.28 from ACH-based programs.

Forsyth County and the Cumming/Suwanee corridor are the fastest-growing new construction markets in the Atlanta metro — Forsyth County grew faster than any other Georgia county in 2023–2025. New HOA community activation is a classic spring-startup MCA use case: a landscaping company that just won a 200-unit community contract needs to front mulch, sod, and crew costs before the first HOA assessment billing cycle clears.

Savannah / Coastal Georgia

Savannah’s landscape market is defined by two distinct revenue streams: estate maintenance in the historic district and coastal island communities, and the emerging industrial grounds opportunity from the Hyundai Metaplant America (HMGMA) corridor.

Historic district and coastal estate accounts. The Isle of Hope, Dutch Island, Skidaway Island, and Whitemarsh Island communities southeast of Savannah contain some of the highest-value residential landscape accounts in coastal Georgia — low-maintenance-visible estates that require consistent crew availability, tree care, and property management coordination. Tybee Island, St. Simons Island, and Sea Island round out the Golden Isles resort market, where seasonal rental occupancy drives grounds standards.

Hyundai Metaplant America (HMGMA). Hyundai’s Bryan County electric vehicle manufacturing facility — located in Ellabell, approximately 30 miles west of Savannah — represents the largest single economic development project in Georgia history at approximately $12.6 billion total investment (including battery joint ventures with LG Energy Solution and SK On). First vehicle rolled off the line in October 2024 (IONIQ 5); committed workforce of 8,500+ direct employees at full production by 2031, with 3,200+ employed as of late 2025. The campus and surrounding supplier park (which includes battery manufacturing, seat manufacturing, and logistics facilities) require commercial grounds maintenance at scale. The Bryan County–Liberty County–Bulloch County industrial orbit is generating new commercial construction, workforce housing, and industrial campus grounds demand that did not exist in this corridor five years ago. Landscaping operators who establish commercial grounds contracts in this market before it matures to full competition are building the kind of multi-year institutional account that underwriters value most.

Savannah port logistics orbit. The Port of Savannah (third-busiest container port in the United States) generates a dense warehouse and logistics facility complex in Garden City, Rincon, and Pooler — commercial grounds accounts for facility managers who prefer the same crew and don’t re-bid annually.

Savannah-area operators typically see factor rates of 1.22–1.35, reflecting a mix of consistent HOA and institutional accounts and the growing but still-maturing HMGMA-corridor market.

Augusta Corridor — Golf, Military, and Medical

Augusta’s landscaping market is driven by three distinct demand clusters.

Golf course grounds. Augusta is home to Augusta National Golf Club (Masters Tournament) and dozens of private and semi-private golf courses in the CSRA (Central Savannah River Area). Golf course grounds maintenance contracts are typically multi-year with stable institutional billing, though payment cycles can be quarterly or semi-annual for member-owned clubs — creating classic invoice-timing MCA scenarios.

Fort Moore (formerly Fort Benning) and Fort Eisenhower (formerly Fort Gordon). Georgia hosts two major Army installations. Fort Moore in Columbus anchors the Maneuver Center of Excellence (60,000+ military personnel and dependents); Fort Eisenhower in Augusta is the Army Cyber Command headquarters. Both installations create surrounding residential neighborhoods with active maintenance demand from military-family renters and PCS-rotation homeowners who want predictable, hands-off grounds management.

Hospitals and medical campus grounds. Augusta University Health, Augusta University Medical Center, and Wellstar Health System’s CSRA facilities generate institutional grounds maintenance contracts with reliable institutional billing.

Augusta-area operators typically qualify at factor rates of 1.22–1.32 for established operations with golf course or institutional accounts.

Middle Georgia / Columbus / Warner Robins — Secondary Markets

Columbus / Muscogee County (home of Fort Moore) and Warner Robins / Houston County (home of Robins Air Force Base, the largest industrial complex in Georgia at 18,000+ employees) represent Georgia’s secondary landscaping markets. Both cities have active residential HOA markets supported by military-family demand, and both have institutional commercial grounds accounts (base housing management, hospital campus, retail-center property management). Operators in these markets typically see factor rates of 1.26–1.40, reflecting smaller market size and more residential-concentrated deposit patterns.

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MCA Use Cases for Georgia Landscaping — Worked Examples

Example A — Alpharetta HOA Spring Activation Profile: Alpharetta landscaping company, 5 years in business, just renewed contracts for three north Fulton County HOA communities (combined $9,600/month, March–November), $45,000/month average deposits April–October, $11,000/month December–February with limited off-season work.

Scenario: February, needs $25,000 to hire spring crew, service commercial mowers, pre-order mulch and pine straw, and pay for GDA pesticide product inventory. HOA billing starts March 15.

Advance: $25,000 at 1.24 factor = $31,000 total repayment, $6,000 fee. Repaid over approximately 90 days (March–May) from HOA deposits.

APR equivalent: ~89%. High — but the renewed HOA contracts generate $9,600/month × 9 months = $86,400 in documented forward revenue. The advance bridges a timing gap, not a solvency gap. Apply against November or October statements — peak-season statements, not February’s thin deposits.

Example B — Bryan County HMGMA Grounds Contract Profile: Savannah-area landscaping company, 7 years, $55,000/month average deposits, just landed a commercial grounds maintenance contract for an HMGMA supplier-park facility ($6,500/month, net-45 billing).

Scenario: April, needs $18,000 to front labor, equipment transport, and initial mulch/bed material for three new acres of grounds before the first invoice clears.

Advance: $18,000 at 1.22 factor = $21,960 total repayment, $3,960 fee. Repaid from supplier-park invoice deposits over next 8–10 weeks.

APR equivalent: ~78%. Justifiable because the contract is signed, the billing is institutional (low non-payment risk), and the fee is modest relative to annual contract value. Use the SB 90 disclosure Georgia law requires to verify these are the actual terms before committing.

Example C — Augusta Golf Course Pre-Season Profile: Augusta-area landscaping company, 3 years, $28,000/month average deposits, provides pre-season grounds preparation to two private club surrounds (not full course). Club accounts pay quarterly; Masters season prep must begin March 1.

Scenario: February, needs $15,000 for equipment rental, crew overtime, and specialty turf inputs ahead of first-quarter club billing.

Decision point: Quarterly billing creates a cash-flow gap even for well-established operators. At 1.26 factor on $15,000 = $18,900 total repayment, $3,900 fee over approximately 60 days. APR equivalent ~95%. Alternative: ask the club’s property manager whether the club will advance a portion of the quarterly billing in exchange for a small discount. Some private clubs with long-term vendor relationships will do this — essentially an informal factoring arrangement that costs nothing.

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Georgia Landscaping Funding Alternatives

Georgia SBDC Network (georgiasbdc.org). Sixteen offices statewide providing free, confidential business advising. Start here before approaching any MCA provider.

• Atlanta SBDC at Georgia State University: 55 Park Place NE, Suite 1000, Atlanta, GA 30303; (404) 413-2000 — covers metro Atlanta and the north suburban HOA markets
• Savannah SBDC at Savannah State University — covers Savannah, Bryan County (HMGMA), and the coastal market
• Augusta SBDC at Augusta University — covers the CSRA, golf-course grounds, and Fort Eisenhower orbit

SBA Georgia District Office. SBA 7(a) loans at approximately 9.75–13.25% APR in mid-2026; SBA CAPLines seasonal revolving lines of credit for operators with 2+ years of documented seasonal deposit patterns.

• Atlanta District Office: 233 Peachtree St. NE, Suite 300, Atlanta, GA 30303; (404) 331-0100

Georgia Small Business Credit Initiative (GSBCI). State-backed programs that channel capital through participating lenders at below-market rates. Ask your SBDC advisor for current GSBCI programs available to landscaping businesses.

Invoice factoring. The most cost-effective alternative for HOA-heavy and commercial-accounts books. Factoring at 1–3% of invoice face per 30 days on a $25,000 monthly HOA invoice costs $250–$750. A 1.26 factor-rate MCA on $25,000 costs $6,500. The difference is large.

Equipment financing. For any planned purchase — commercial mowers, service vehicles, trailers, irrigation systems — equipment financing at 6–20% APR over 36–60 months is dramatically cheaper than an equivalent MCA. John Deere Financial, Kubota Credit, and community banks with commercial equipment programs are the first calls for planned purchases.

Georgia community banking. Ameris Bank, Colony Credit, Synovus, and larger credit unions (Georgia’s Own Credit Union, LGE Community Credit Union) offer business lines of credit at 8–18% APR to established operators with 2+ years of documented revenue and clean tax returns.

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Related Guides

Georgia MCA guides:

• MCA for Georgia businesses — state overview — full Georgia regulatory picture: SB 90 disclosure, UCC liens, Atlanta and Savannah markets
• MCA for Atlanta businesses — Fortune 500 cluster, northern HOA suburbs, film production economy, Emory/WellStar/Northside healthcare
• MCA for Savannah businesses — Port of Savannah, Gulfstream Aerospace, Hyundai HMGMA, historic district
• MCA for Georgia construction contractors — draw-gap financing, SB 90 disclosure, Atlanta metro growth

Landscaping MCA by state:

• MCA for Landscaping in Florida — year-round demand, HB 1353 disclosure, Florida §55.05 COJ ban (strongest protection in the South)
• MCA for Landscaping in Texas — HB 700 disclosure + COJ ban (Sept 2025), H-2B leader nationally, HOA-dense DFW/Houston
• MCA for Landscaping in Ohio — COJ explicitly authorized (ORC §2323.12–2323.13; Ohio is the primary MCA forum state for COJ)
• MCA for Landscaping in Pennsylvania — Pa.R.C.P. 2950–2967 COJ authorization; PA and OH are the two most-used MCA forum states
• MCA for Landscaping in New Jersey — categorical COJ ban (P.L.2019 c.430), Bergen County HOA belt
• MCA for Landscaping in New York — S5470B APR disclosure, Nassau/Suffolk HOA suburbs, Hamptons estate market
• MCA for Landscaping in California — SB 1235 + SB 362 (strongest disclosure), near-year-round SoCal demand

Useful tools and references:

• MCA calculator — convert any factor rate to APR before committing
• Confession of judgment explained — how COJ works and why the governing-law clause matters
• State MCA disclosure laws compared — 50-state breakdown, including Georgia SB 90

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Sources: Georgia SB 90 (codified in the Fair Business Practices Act at O.C.G.A. §10-1-393.18, signed May 1, 2023, effective January 1, 2024) — mandatory commercial-financing disclosure of total dollar cost, amount financed, total repayment, and payment schedule; SB 90 requires dollar-cost disclosure, not an annualized APR (Buchalter client alert; National Law Review); Georgia Pesticide Use and Application Act (O.C.G.A. §2-7-90 et seq.), Georgia Department of Agriculture — Commercial Pesticide Applicator License (Category 24: Ornamental and Turf) + Pesticide Contractor License ($55/year, renews December 31) (agr.georgia.gov); Georgia State Licensing Board for Residential and General Contractors, Irrigation Contractor licensing (sos.ga.gov/licensing); No state prevailing wage law — Davis-Bacon and Related Acts (40 U.S.C. §§3141–3148) and federal Service Contract Act (41 U.S.C. §6701 et seq.) apply only to federally funded projects (payroll4construction.com; dol.gov); Federal minimum wage $7.25/hr (Georgia state minimum $5.15/hr; federal FLSA floor applies to virtually all commercial employers); Hyundai Metaplant America (HMGMA), Bryan County (Ellabell), Georgia — $12.6 billion total investment (including LG Energy Solution and SK On battery JVs), 8,500+ jobs by 2031, first vehicle October 2024 (georgia.org; hmgma.com); Georgia SBDC Network (georgiasbdc.org); SBA Georgia District Office, 233 Peachtree St. NE, Suite 300, Atlanta, GA 30303, (404) 331-0100 (sba.gov/district/georgia). Fees, wage rates, license requirements, and regulatory provisions change and may have been modified since publication — verify current amounts with each agency before relying on them. The specific O.C.G.A. statute governing commercial COJ enforceability is not cited; consult a Georgia business attorney before signing any commercial financing agreement containing a confession-of-judgment clause. This guide is general information, not legal or financial advice.