Irving owners can often see their cash crunches coming. Build the calendar first, then decide how large a line you need.
Apply Now →Irving is an inner suburb of Dallas in the Mid-Cities region, with 256,684 residents at the 2020 census. It includes the Las Colinas mixed-use master-planned community and part of Dallas Fort Worth International Airport. Businesses here range from restaurants and shops near office and travel traffic to trades and practices serving neighborhoods.
Whatever you sell, the most useful first step before asking for a line is a one-page calendar of what leaves your account and when.
| Obligation | When it hits |
|---|---|
| Franchise tax report | May 15, or the next business day if it falls on a weekend or holiday |
| Unemployment wage report and tax | Last day of the month after each quarter ends |
| Sales tax return | Monthly or quarterly, as the Comptroller notifies filers by letter |
| Payroll | Your own schedule, usually weekly or every two weeks |
| Rent and supplier terms | Per your lease and accounts |
Put your own receipts on the same sheet. Wherever outflows stack up before inflows, you have found the size of the line you may need.
A line of credit lets a business draw as needed rather than take one lump sum. For a gap you can map in advance, that can match the use better than a larger single amount. The structure of any offer is spelled out in the offer, and nothing here is a promise of terms.
Once the sheet is built, circle the three tightest weeks of the year. For each, write what caused the squeeze: a tax date, a seasonal slow period, a large supplier order or a slow-paying customer. Reasons that repeat belong to a line. Reasons that happened once usually do not. Irving owners near Las Colinas offices and the airport-area corridor may find their tight weeks follow business-travel and office-lunch patterns, while neighborhood trades and practices tend to follow payment cycles instead. Whichever describes you, being able to explain the squeeze in two sentences makes your request easier to understand and your plan easier to follow.
Also decide in advance what you will do if a draw is needed longer than expected. A line is a convenience, not a substitute for fixing a margin or collections problem, and a plan for the slow weeks is part of using one well.
If you need a new machine, read about equipment financing. For a project with a fixed budget, term loans. For a general cushion, working capital. For quick access, see same-day funding and the merchant cash advance page.
We consider funding from $25,000 to $5,000,000. Funding can arrive in as little as 24 hours, the application takes about five minutes with a soft credit pull, and sole proprietors can apply.
Irving is part of Dallas County and the Dallas-Fort Worth Metroplex. When the calendar is built, start your application.
Payroll, rent, supplier payments, tax dates and your expected receipts, listed by date.
May 15, moving to the next business day if that is a weekend or holiday.
Yes.
No, the pull at application is soft.
In as little as 24 hours once approved.
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
