Andrews County sits inside the Permian Basin, where oil and gas activity sets the pace for suppliers, haulers, shops and lodging. The cash gap shows up between the job and the payment.
Apply Now →Andrews County in West Texas covers 1,501 square miles, was established in 1876, and had 18,610 residents at the 2020 census. The seat is the city of Andrews (13,487), incorporated on February 2, 1937. It lies close to New Mexico and sits within the Permian Basin, the highest-producing oil field in the US, which averaged 4.2 million barrels of crude oil per day in 2019.
When a big operator sets the pace, the businesses around it respond: oilfield service shops, equipment and supply firms, hauling companies and the restaurants, hotels and shops that serve field crews. Together they form a local economy where a single customer can account for a large share of revenue.
Suppose a local welding and fabrication shop takes a large job from an operator. The shop buys steel, adds two helpers and runs overtime for a month. It invoices at completion on 45-day terms. For roughly eleven weeks, the shop carries every cost of the job. If a second customer pays late during that period, the squeeze gets tighter. These numbers are illustrative only and not a statement of our terms.
A cushion of working capital lets a shop like that say yes to the job and still make payroll.
Long-haul trucking is a harder fit, and we do not promise funding for it. Local hauling and field support are a different category.
The same economy that creates the busy stretch also creates the slow one. When activity pauses, receivables stretch out and the fixed costs remain. Owners who have a reserve can hold their staff, keep inventory and be ready for the next call. Owners who don't often lose people who are expensive to rehire.
| Phase | Cash pressure |
|---|---|
| Ramp-up | Hiring, parts, trucks and lodging costs before the first invoice |
| Peak | Customers on net terms and growing receivables |
| Pause | Fixed costs with fewer jobs |
The city of Andrews and the smaller towns around it also support banks, clinics, schools, grocery stores, auto parts houses and restaurants. These businesses see the effects of oilfield activity secondhand: more crews mean more lunch orders, more tires and more urgent repairs. When work slows, they feel it too. An owner running a diner, a tire shop or a parts counter in this county is often making hiring and ordering decisions with an eye on rig counts and operator schedules they cannot control.
We fund $25,000 to $5,000,000. The application takes about five minutes with a soft credit pull, and funding can arrive in as little as 24 hours. Sole proprietors can apply, which covers many one-truck and small-crew operations. Start on the application page.
It covers 1,501 square miles and had 18,610 residents at the 2020 census.
The city of Andrews, with 13,487 residents at the 2020 census.
Yes. The Permian Basin is in western Texas and far-southeastern New Mexico, and Andrews County is part of it.
Yes. Many owners seek working capital to bridge the time between doing the work and getting paid.
We do not promise funding for long-haul trucking. Local hauling and field-support businesses are part of the regional economy.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
