Prepayment penalty rules, 47 states and DC.
Pick your state to see whether a business-purpose loan can carry a prepayment penalty, and the statute behind the answer.
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What is a prepayment penalty?
A prepayment penalty (a fee some loans charge if you pay the loan off or refinance early) is allowed in most states for business-purpose loans — but not all. This map shows where it's clear, where thresholds or entity structuring apply, where lenders decline entirely, and where the law isn't settled or hasn't been researched yet. Click any state for full details.
Click any state to see full prepayment penalty rules, statutory reference, and pricing impact. Hover to preview, or use the arrow keys.
The map is one stop: arrow keys move to the state that lies that way, Enter selects it, and typing a name (Tex, NJ) jumps to it.
Sources and limits
Statutory research, not legal advice. Each state entry cites the statute it rests on, or says none was found — including where a usury cap could apply — so you can verify it yourself. In most states business-purpose loans are exempt from consumer usury caps, but always confirm with your lender or counsel. Prepayment-penalty treatment turns on entity vesting, loan purpose and the specific lender matrix. This page is legal research, not a list of the states Greenstreet is licensed in.
The line below covers the platform's market data — rates, lender programs, tax figures. It does not describe the statutes above: each entry is reviewed on its own schedule.
Market data as of January 2026. Rates, lender terms, and state rules are dated research — verify with current sources before relying on them. 2 of 10 datasets are past twice their review cycle; treat those figures as provisional.
Printed November 9, 2026 · http://127.0.0.1:45643/state-laws
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