Business Operating Without a License

If a consumer enters into a contract with a business that lacks a required license to engage in the subject activity, I believe that the so-called contract can be ruled null-and-void and the business required to return any funds paid to it by the consumer.

Are there any penalties to the business (apart from the return of funds)? Does it matter if the terms of the contract are one-sided so as give the consumer almost nothing in return for large fees? Is there a provision in law to impose a penalty on a business if the terms of the "contract" are found to be unconscionable?