On the High Plains, equipment is bought on the farm calendar, not the retail one. Lubbock owners can apply for $25,000 to $5,000,000.
Apply Now →Lubbock is the county seat of Lubbock County and had 257,141 residents at the 2020 census, making it the tenth most populous city in Texas. It lies in northwestern Texas on the Llano Estacado, at the southern end of the High Plains, at the economic center of a metropolitan area with an estimated 367,109 residents in 2024. Farming, ag supply, wineries, restaurants and construction all feature in the local economy, and each runs on machines that cost real money to replace.
Slow for field work. This is the time farm operators and suppliers service tractors, planters, trailers and handling equipment, and place orders for parts.
Preparation turns into action. Breakdowns now are costly, since the planting window does not wait. Feed and ag supply stores are stocking up and need forklifts, racking and delivery trucks in working order.
Equipment runs hard. Cooling, irrigation and hauling gear are under load.
Harvest-related gear and hauling are in use. Bills for the season arrive while revenue from the crop or the harvest is still coming in.
Cotton and grain growers, ag supply and feed stores, and vineyard operators all work to seasonal clocks. Their pages explain the cash side: cotton and grain farms, ag supply and feed stores and wineries and vineyards. Local restaurants and builders follow different rhythms but share the same problem: equipment is a lump-sum expense, and revenue arrives gradually.
For illustration only, suppose a supplier needs a $60,000 delivery truck replacement before the spring rush. The truck is needed in March; the revenue from the spring rush comes in April through June. Between purchase and payoff, the supplier pays for fuel, driver wages and insurance. Round numbers, not our terms or a typical outcome. The gap between when the machine is needed and when it pays is the heart of the equipment decision.
Answers shape how much you need and when.
We fund $25,000 to $5,000,000, in as little as 24 hours. The application takes about five minutes with a soft credit pull, and sole proprietors can apply. Go to the application page. Related product pages: working capital, merchant cash advance, line of credit, term loans and fast funding. Slaton and Wolfforth owners share the same seasons.
Vendors are usually less rushed in winter, so quotes come back faster and delivery windows are clearer. Owners who order before the season starts avoid the premium that can come with an urgent purchase. Keep your quotes on file and note the lead time so you can decide when to apply.
No. Funding is working capital for Texas businesses, from $25,000 to $5,000,000, and many kinds of local businesses apply.
Yes. Sole proprietors can apply.
Funding can arrive in as little as 24 hours, though delivery of the equipment follows the vendor's schedule.
It uses a soft credit pull.
Funding is working capital, so you decide how to use it.
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
