A storm closes the doors for days, and the repair bills and the lost sales arrive together. Plan the cash before you need it.
Apply Now →The National Hurricane Center says the Atlantic hurricane season runs from June 1 to November 30. For a coastal business, that is six months of the year in which a storm can interrupt sales, damage property and strain cash. This guide is about cash flow, not meteorology or insurance advice.
Closed days mean lost sales, and customers who evacuate do not come back the day the sun returns.
Rent, payroll commitments and loan payments keep their schedule whether or not the doors are open.
Boarding up, cleanup, repairs, spoiled inventory, replacement equipment and sometimes a deductible.
Insurance can take time to inspect, review and pay. During that wait, the business has to keep going.
The Texas Windstorm Insurance Association describes itself as a not-for-profit insurer of windstorm and hail coverage for property owners who cannot get it in the regular market. Whether your business is covered through the regular market or a program like that, read the policy and ask what it covers, what the deductible is, and whether it covers lost income while you are closed. Many owners find gaps only after a storm.
This is not insurance advice. An insurance professional can explain your policy.
| Layer | What to do | Why |
|---|---|---|
| Before the season | Review coverage, photograph inventory and equipment, build a cash reserve | Proof and cash make everything after easier |
| Before a storm | Back up records, move inventory, pay critical bills early if possible | Closed days are not the time for paperwork |
| After a storm | Document damage, start insurance claims, pay staff if you can | Speed and records shorten the wait |
A small restaurant closes for a week. Round numbers: $6,000 of food spoils, $9,000 of repairs are needed, payroll for staff comes to $11,000 whether or not they are working, and the insurance payment is weeks away. The owner has about $26,000 of outflow with no sales to cover it. These numbers are invented and are not terms we offer or outcomes to expect.
A reserve is the best answer. Working capital can bridge the gap where there is no reserve, so long as the business can carry the repayment after reopening and the insurance payment is realistic.
Funding from $25,000 to $5,000,000 can arrive in as little as 24 hours. The application takes about five minutes and starts with a soft credit pull. Sole proprietors can apply. Ask for what the repair and payroll gap require, and keep a buffer in case the insurance payment arrives later than expected.
June 1 to November 30, according to the National Hurricane Center.
Building a reserve is better. Borrowing in advance adds a payment before you know whether you will need the money.
It can cover a defined gap, as long as you can repay it after reopening.
No. Check your own policy and talk to an insurance professional.
Yes. Sole proprietors can apply.
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
