A line of credit suits some Arlington businesses and not others. These five tests help you tell which group you are in before you apply.
Apply Now →Arlington is a city of 394,266 people at the 2020 census, in Tarrant County. It is part of the Mid-Cities region of the Dallas-Fort Worth-Arlington metropolitan area, the second-largest city in its county after Fort Worth, the seventh-most populous in Texas, and the largest in the state that is not a county seat. Neighbors include Fort Worth, Mansfield, North Richland Hills, Euless, Grapevine, Bedford, Haltom City and Keller. A city that size has every kind of small business, from kitchens to contractors to clinics.
List the last six months. If you needed cash on short notice in four of them, a reserve you can draw from is probably more useful than a single sum. If you needed it once, for one purchase, a lump sum matches the need.
Each draw should be tied to something specific: a receivable, a busy weekend, a seasonal order. "General cushion" is not a repayment source. Restaurants can point to the next weekend, contractors to a project billing date, and visitor-facing businesses to an event calendar. The more concrete the answer, the safer the draw.
Arlington's restaurants, retail and tourism-related businesses see visitor-driven swings. Construction firms see billing lags. Healthcare practices see payer delays. If you can say in a sentence when your cash is thin and when it recovers, a line follows your pattern.
Be honest about habit. Owners who treat a limit as extra revenue end up with a balance that never falls. If you will pay the balance down when the receivable lands, a line works. If you suspect you will not, a fixed repayment schedule may protect you from yourself.
When you are buying a vehicle, oven or scanner, the cost is one number. In that case equipment financing or a term loan may fit better. For general timing gaps, see working capital. For speed, see same-day funding.
A short worked example, with round numbers and not our terms: a catering firm needs $18,000 for staff and food ahead of three events, which will each pay within a few weeks. That is a repeating gap and a named source. A line fits. The same firm buying a $60,000 van has a single purchase, so a term structure fits.
Some Arlington businesses live on event days and slower days in between. The risk is stocking and staffing for the busy day and carrying that cost through the quiet ones. Ask what a typical slow week costs you in fixed expenses, and keep your draw below that number until you have seen how quickly the receipts arrive.
Funding runs from $25,000 to $5,000,000, funded in as little as 24 hours once approved. The application takes about 5 minutes and sole proprietors can apply. Terms are not published on this page. Explore the Tarrant County and Metroplex pages for local context, or apply now.
If you face repeating, uneven gaps and can name what repays each draw, it can fit. For one purchase, other structures may suit better.
No. Fort Worth is larger; Arlington is second-largest in the county.
Yes. Sole proprietors can apply.
A fixed repayment structure may suit you better.
No. We do not publish terms on this page.
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.
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