Cloverleaf is a census-designated place in east central Harris County, where service, supply and hauling firms work for industrial customers. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →Cloverleaf is a census-designated place in east central Harris County, with 24,100 residents at the 2020 census. Houston, Pasadena, Baytown, La Porte, Deer Park, Katy, Bellaire and Humble are the larger names around it.
| Number | The question | Why it matters |
|---|---|---|
| 1. Weeks of payroll | How many weeks could I pay my crew with no new income? | Shows your cushion |
| 2. Days to collect | How long does my typical customer take to pay? | Sets the length of the gap |
| 3. Equipment age | Which truck, trailer or machine is next to fail? | Predicts a repair bill |
| 4. Customer concentration | How much of my work comes from one account? | Shows the damage of one late payment |
Companies that work for industrial and oilfield customers share a structure. They pay people weekly and their customers pay monthly or later. Their equipment is expensive, and replacement cannot be postponed. A supplier carries stock that it has already paid for. A hauler fuels up every day and invoices at the end of the week or month.
When any of the four numbers moves the wrong way, such as a larger customer paying 20 days later than usual, the owner has to cover the difference from somewhere. Working capital is one of the ways to do that without cutting staff or turning down jobs.
Suppose a two-truck hauler has weekly costs of a round figure and a main customer that switches from paying in 30 days to paying in 50. The company now has to carry about three extra weeks of costs that it did not plan for. If those weeks add up to more than the account holds, the owner chooses between late payroll, a deferred repair and outside funding. This example is invented and is not our terms or typical outcome. It shows why owners keep an eye on the number of days their customers take to pay.
For the surrounding area, see the Harris County page and the Greater Houston page. Sole proprietors can apply, and the application takes about five minutes.
It does not say funding is right for every business, and it does not predict any particular outcome. Working capital is a timing tool: it can help a company that has done the work and is waiting to be paid, or one that needs to buy equipment ahead of earning from it. It does not turn an unprofitable job into a profitable one. Owners get the most from it when they apply a clear measure, such as weeks of payroll or days to collect, and size the request to match.
No. The application is about your business. Owners use a Cloverleaf address or a neighboring city's address.
Yes. Sole proprietors can apply.
Longer terms are a common reason to look at working capital. Size the request to the extra weeks you must cover.
Funding ranges from $25,000 to $5,000,000, and funds can arrive in as little as 24 hours.
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
