When your customers are large and your crew is small, the delay between work and payment lands entirely on you.
Apply Now →According to Wikipedia, the Permian Basin is the highest-producing oil field in the United States, averaging 4.2 million barrels of crude a day in 2019, across West Texas and the far southeast corner of New Mexico. That figure is a 2019 reading, not a current one, and nothing here forecasts activity.
The more useful point for a small business is structural. A large producing area supports a long chain of smaller companies: trucking and hauling, fabrication and welding, supply houses, equipment rental, safety services, catering, lodging, repair shops. Each sells to a bigger customer and pays its own bills weekly.
A supply or parts business buys inventory before it sells it. It also extends terms to customers who then take their time paying. Its two big numbers are inventory on the shelf and receivables on the books, and the gap between what it owes vendors and what it is owed.
A field contractor sells time and skill. Wages and equipment are the main costs, and the invoice follows the job. Its gap is mostly receivables, plus the cost of keeping crews and gear ready between jobs.
Both need cash for different reasons, which is why the same product rarely fits both equally well.
| Measure | Why it matters | Warning sign |
|---|---|---|
| Days from work to payment | Sets how long you fund the customer | The number creeping upward |
| Share of revenue from the top customer | Shows concentration risk | One name above half of sales |
| Weekly payroll and fixed costs | Defines the minimum cash you need | Cash below two weeks of that figure |
| Idle equipment days | Shows cost of gear without work | Machines parked while payments continue |
A small contractor wins a larger contract and adds a second crew. Wages double, a second truck is needed, and the customer's payment terms are 60 days. Round numbers: the added cost is $30,000 a month, so by the time the first invoice for the expanded work is paid, the owner has funded roughly $60,000 more than before. These figures are for illustration only and are not terms we offer.
That is not a reason to refuse growth. It is a reason to plan the funding before accepting the work, and to ask the customer whether terms can be shortened or a deposit paid.
It can cover payroll and materials across a known payment gap. It cannot fix a business that is losing money on each job, replace a customer who has stopped paying, or substitute for an honest conversation about whether growth is worth the added exposure. Funders weigh each applicant individually, and businesses tied closely to energy activity should expect careful review.
If you are ready to explore it, the application takes about five minutes and uses a soft credit pull to start.
Each business is reviewed individually, so there is no blanket answer. You can start the application in about five minutes.
Funding ranges from $25,000 to $5,000,000, and the best amount is whatever covers the specific gap with a buffer.
It can bridge a short gap, but if equipment is idle for long stretches, the underlying issue is workload, and borrowing does not solve it.
Yes. Sole proprietors can apply.
As little as 24 hours.
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
