Across 27 counties of open West Texas, a business can go weeks between big payments and still need to meet payroll every Friday. A line of credit is built for exactly that rhythm.
Apply Now →The Big Country and Concho Valley grouping runs from Taylor and Tom Green counties out through Nolan, Scurry, Jones, Brown, Runnels and more than a dozen smaller counties such as Kent, King, Sterling and Irion. This is an editorial grouping drawn from public regional definitions, not an official state region. What it describes well is low-density country, where a business often serves customers spread over long roads.
Distance changes the money. A delivery that takes a half day each way, a service call that is sixty miles from the shop, a supplier whose invoices you pay before your own customers settle: these are everyday costs that raise how much cash you need on hand at one time.
Name the date money leaves and the date you expect it back. If you cannot, the first draw will be a guess.
A recurring gap, such as a slow stretch each year or a customer who always pays late, argues for a standing line. A one-off argues for something else.
The best draw is tied to a specific receivable or sale. A draw with no repayment source tends to become permanent borrowing.
Round numbers, not our terms or a typical result. A farm-and-ranch supply dealer stocks up before a busy season, spending $30,000 on inventory it will not sell for several weeks. It draws that amount on a line, sells through the stock and pays the draw down as customers pay their accounts. Weeks later, a slow stretch and a delivery truck repair bring a smaller draw. The dealer never carried a lump sum it did not use.
Quarterly unemployment wage reports and taxes fall due by the last day of the month after quarter end. The annual franchise tax report is due May 15. Sales tax filers are told by letter whether to file monthly or quarterly. In a small-town business those dates meet payrolls that cannot move, so a standing line gives an owner the room to pay on time without waiting for a late invoice.
A lump sum starts costing the day it lands, whether or not you have spent it. In a region where work comes in clumps, that is a real consideration. An owner who knows only that "some weeks will be tight" may be better off holding access to funds than holding the funds themselves. The trade-off is discipline: access is easy to use, so write down the purpose of each draw before you take it.
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 uses a soft credit pull. Sole proprietors, including one-truck and one-shop owners, can apply. Start your application.
It can be, because you draw ahead of a busy stretch and repay as sales come in. A steady year-round business may prefer one amount.
This page makes no claim that it does. Apply from wherever you operate in Texas.
Sole proprietors can apply.
Terms are set on the application and are not published 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.
No obligation • No impact to your credit score
