Westernmost Texas, a pass in the mountains and a city beside Juárez. Working capital for El Paso County businesses that buy ahead, sell across a border and wait to be paid.
Apply Now →El Paso County sits where the Rio Grande cuts a pass between mountain ranges, which is where its name comes from: El Paso del Norte, "the Route of the North." The 2020 census counted 865,657 residents, making it the tenth-most populous county in the state, and about 96 percent of them lived in urban areas. The county seat is the city of El Paso, the sixth-most populous city in Texas, and across the river is Juárez in Chihuahua.
The county also sits apart in a practical way. It and Hudspeth County are the two Texas counties entirely in the Mountain Time Zone, while nearly all of the rest of the state keeps Central Time. If you sell to customers or buy from vendors in Houston, Dallas or San Antonio, your cutoff times and payment windows are an hour out of step with theirs.
Importers, retailers and restaurants that stock goods from across the border buy inventory in larger lots and on a schedule that is set by the supplier, not by the register.
A shop in El Paso may serve local households and customers who travel in from the other side of the river. Demand moves with holidays, paydays and exchange-rate swings that the owner cannot control.
Anything that moves by truck or crosses a border adds days to the time between paying for goods and being able to sell them. Those days are real working-capital costs.
| Business | Spend first | Collect later |
|---|---|---|
| Restaurants and bakeries | Food, payroll, rent | Daily sales, with slow weeks between events |
| Medical and dental offices | Staff, supplies, equipment | Insurance and patient payments, weeks later |
| Construction and trades | Materials and crews each week | Draws or final payment from builders |
| Retail and wholesale | Inventory in bulk | Sales over the season |
| Trucking and logistics | Fuel, drivers, repairs | Shipper or broker invoices on terms |
About 82.6 percent of the county's residents identified as Hispanic or Latino in 2020, and English and Spanish run side by side in daily business. Many deals still run on relationships and repeat customers. That is a strength, and it affects cash flow: a customer you know well may pay when it can rather than on day thirty, and you may not press for the invoice.
When you are the one carrying that float, working capital gives you room to keep the relationship without missing your own payroll. It is also a way to take on a larger customer who pays on longer terms.
Imagine a produce distributor that sells to a dozen restaurants and wants to add a second refrigerated truck to reach new accounts. For illustration only, say the truck, insurance and first month of fuel and driver pay come to $70,000, while new accounts take thirty days to pay. These are invented numbers to show timing, not terms we offer. The business is healthy, but the cash from the existing accounts is already spoken for.
The application takes about five minutes and uses a soft credit pull. Sole proprietors can apply. Funding runs from $25,000 to $5,000,000, and funds can arrive in as little as 24 hours. Apply now, from the shop, the warehouse or your phone.
No. The application is for Texas businesses and does not depend on your city inside the county.
Describe how your business earns in the application. It is reviewed with the rest of your business picture.
Many owners use working capital for build-out, fixtures and opening payroll. Share your plan in the application.
Yes. Sole proprietors can apply.
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
