The Cross Timbers is a strip of oak woodland and prairie that runs under the western half of the Dallas-Fort Worth Metroplex and out into ranch country. Businesses here sit on both sides of that edge.
Apply Now →The Cross Timbers is a mix of prairie, savanna and woodland that marks part of the line between the forested east and the almost treeless Great Plains. The short, stout post oaks and blackjack oaks that give the region its name were not usable as timber, so much of that woodland was never cleared. Land use today is a mixture of rangeland, pastures and farmland, and the area has been an important site of oil extraction for over eighty years.
Roughly the western half of the Metroplex lies inside it, including Fort Worth, Denton, Arlington and Weatherford, with I-35W running north to south. Our county grouping here includes Johnson, Parker, Hood, Palo Pinto, Erath, Comanche, Eastland, Brown, Stephens, Young, Jack, Wise, Denton and Cooke, and it is general, not official.
On the Metroplex side, a business grows with new housing and traffic: trades, restaurants, medical offices, auto repair, retail. On the ranch-country side, a business lives off farm and ranch customers and, in some counties, oil and gas activity. Both worlds appear in the same sales tax filing, but the rhythms are different.
| Side of the edge | Typical rhythm | Typical cash squeeze |
|---|---|---|
| Suburban and exurban | Steady, growing, competitive | Adding a crew, truck or location before the revenue shows |
| Ranch and farm towns | Seasonal, tied to livestock and crop income | Stocking inventory ahead of customers who pay later |
| Oil-service shops | Work arrives in bursts | Paying crews weekly while operators pay slowly |
Because oil extraction here is long-established, there are small service shops, hauling outfits and parts suppliers that depend on it. Their pattern is familiar: wages and fuel go out every week, but the invoice goes to a larger company with its own payment cycle. A shop that waits on two or three large invoices at once can look fine on paper and be unable to make Friday payroll.
For illustration, with round numbers and not our terms: a welding and repair shop in a small county seat spends $18,000 on steel, consumables and wages to finish a repair contract. The customer pays in six to eight weeks. In the meantime the shop turns down a smaller job because it cannot buy the material. Working capital turns that rejected job into revenue. The test for any such decision is simple: does the money bought produce a sale that repays it?
Rangeland and rural roads are hard on trucks, trailers and tractors. A single failed unit can idle a crew. Owners here often decide between repairing again and replacing, and the cheaper choice over twelve months is not always the cheaper choice today. If your need is a specific machine, say so on the application.
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, and sole proprietors can apply, which covers many of the one-owner shops and farm-service outfits in this region. Start your application when you know what the money has to do.
It is a strip of mixed prairie, savanna and woodland running from southeastern Kansas across Oklahoma into central Texas. In Texas it underlies roughly the western half of the Dallas-Fort Worth Metroplex.
The name refers to the woodland belts of post oak and blackjack oak that cross the prairie.
We do not publish qualification rules. Apply with your actual picture and the application will determine what is offered.
No. It uses a general county list and the boundaries of the real ecoregion do not follow county lines.
Yes. Sole proprietors can apply, and retailers in small towns are among the businesses working capital is often used for.
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
