A town with cement plants and a steel mill buys and sells on industrial schedules. If those schedules hurt your credit, you can still apply.
Apply Now →Midlothian is a city in northwest Ellis County, 25 miles southwest of Dallas. It is the hub for the cement industry in North Texas, home to three separate cement production facilities as well as a steel mill. The 2020 census counted 35,125 residents. Waxahachie, Ennis and Red Oak are its closest neighbors.
Heavy industry creates work for businesses around it: trucking and hauling, equipment and parts, repair and maintenance, safety and supply, and the restaurants and shops that serve the people who work there. The broader base in town is mixed, with trades, healthcare practices, retail and service firms alongside.
A business that sells to an industrial customer usually sells on terms. The work is done and invoiced, then the invoice goes through approval, purchasing and an accounts payable run. During that time you pay your own people and vendors.
Owners who cannot wait use personal credit to keep the business running. Balances rise, a payment slips, and the score reflects it. This is a feature of selling to bigger buyers, not a flaw in the business.
| Business | Gap | Funding use |
|---|---|---|
| Hauler or equipment rental | Fuel, maintenance and drivers paid before the customer | Cover the invoice wait |
| Parts and supply shop | Stock bought ahead of orders | Bigger inventory lots |
| Local diner or retail | Fixed costs against uneven traffic | A cushion for slow weeks |
You do not need to name your customer. It helps to say what kind of buyer it is, how long invoices usually take to clear, and whether one customer makes up most of your revenue. A reader can then see whether your cash gap is a timing problem or a concentration problem, and you can see which one it is for yourself. Many owners find that writing it down also shows how much of a cushion they need.
Funding runs from $25,000 to $5,000,000. The application takes about five minutes, sole proprietors can apply, and funding can arrive in as little as 24 hours once available. A lower score can mean a smaller or more expensive offer, and we cannot predict outcomes; read each offer in full.
See the Midlothian page, the Ellis County overview and the Dallas-Fort Worth Metroplex hub for context, or apply directly.
A Midlothian trucking and hauling firm moves material for an industrial customer. Fuel and driver pay for a month come to $24,000, and the customer pays in sixty days. In month two the firm has paid out $48,000 and been paid nothing for the first month's work. The owner uses a card for fuel. These round, invented numbers show why the cash runs short; they are not our terms or an outcome to expect.
Local hauling is read on its own facts. Long-haul trucking is hard to fund and we make no promise for it.
It can help to explain who your customers are and how they pay. We cannot predict how any file is read.
Yes.
You can still apply. A short, honest explanation is useful.
About five minutes.
$25,000 to $5,000,000.
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
