DFW is big enough that a business can lose a customer, win a contract and miss a payment in the same week. A line of credit keeps the borrowing flexible when the pace is this uneven.
Apply Now →The Dallas-Fort Worth metroplex is the most populous metropolitan area in Texas and the Southern United States, with more than 7.6 million residents in the metropolitan statistical area. Residents call it DFW, after the airport code for Dallas Fort Worth International Airport, or the Metroplex. Dallas and Fort Worth are its historic core cities, and our grouping lists 20 counties, among them Dallas, Tarrant, Collin, Denton, Ellis, Kaufman, Rockwall, Parker and Johnson.
A market this large rewards businesses that can say yes quickly. It also punishes thin cash. With many competing suppliers, a customer that pays slowly is easy to replace, but a vendor that is paid slowly is harder to keep happy.
Pays crews weekly while a general contractor pays on its own schedule. Texas has a prompt payment statute under which overdue amounts accrue interest at one and one-half percent per month from the day after the due date, but that is a remedy for later, not cash today. A line bridges the wait.
Buys inventory ahead of a customer's order cycle. The cash goes out when the truck is loaded and comes back when the invoice clears.
Opens a second location. Build-out is a project, but the first ninety days of payroll and food costs before the room fills are a timing gap, and a line suits that gap better.
The test of a good line is that the balance moves. Round numbers, for illustration and not our terms: a subcontractor draws $25,000 to meet payroll in a slow-pay month, repays after the general contractor settles, and draws $10,000 six weeks later for materials. If the balance only climbs, the line is hiding a margin problem rather than smoothing a timing one.
Funding runs from $25,000 to $5,000,000 and can be funded in as little as 24 hours once approved. The application takes about 5 minutes, includes a soft credit pull, and sole proprietors can apply. We do not publish terms. Start an application.
Competition affects your sales, not whether you can apply. Sole proprietors and small firms can apply.
Under the Texas prompt payment statute, overdue contract amounts accrue interest from the day after the due date. It is a legal remedy, not a quick source of cash. Ask your advisor how it applies to you.
Funding runs from $25,000 to $5,000,000. The amount for any business is determined on the application.
It can cover the early weeks of payroll and costs before sales build. A one-time build-out may fit a single amount better.
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
