California Disclosure Generator
Enter your financing terms, we'll calculate the annualized rate and email you a draft disclosure. Covers fixed-term, fixed-payment financing only.
Generate a draft disclosure
This covers fixed-term, fixed-payment financing only (not sales-based financing, factoring, or open-end credit, where California's rules require different assumptions we haven't built yet). The APR is calculated using the Regulation Z Appendix J actuarial method, the base methodology California's own regulations require, but the state's rules diverge from it in ways specific to certain products and fee types. Treat this as a draft to verify, not a finished, compliant document.
This tool produces a draft only. It is not legal advice and does not guarantee compliance with California's disclosure requirements. Have qualified counsel review any disclosure before using it in an actual transaction.
Generating these one at a time? If you're processing real volume, we're gauging interest in API access →