From a San Antonio restaurant kitchen to a Hill Country tasting room, equipment is where the cash goes. Apply in five minutes; funding in as little as 24 hours.
Apply Now →Greater San Antonio, officially San Antonio-New Braunfels, is an eight-county metropolitan area on the southwestern corner of the Texas Triangle. The 2020 census counted 2,558,143 people there, making it the 24th largest metropolitan area in the United States. Downtown Austin and Downtown San Antonio are roughly 80 miles apart along the Interstate 35 corridor, which links a lot of the region's commerce.
West and north of the city, the Hill Country adds a different mix: small-town shops, ranch-adjacent trades and a wine industry. The Hill Country is described as the center of the Texas wine industry, with three American Viticultural Areas: Texas Hill Country, Fredericksburg in the Texas Hill Country, and Bell Mountain.
| Business | Typical equipment | Cash-flow pinch |
|---|---|---|
| Restaurant or caterer | Ranges, hoods, refrigeration, dishwashers | Failures arrive without warning, often in the busiest week |
| Winery or tasting room | Tanks, presses, bottling and cellar gear, tasting-room fixtures | Equipment must be in place well before the product it makes can be sold |
| Contractor | Trailers, skid steers, saws, scaffolding | Customers pay after the work, but crews and fuel are paid weekly |
| Medical or dental office | Imaging, chairs, sterilizers | Large purchases up front, reimbursement later |
Hill Country businesses often see traffic that rises and falls with weather, weekends and visitors. Equipment bought to handle a busy season has to be paid for before that season fills the register. That is a timing problem, and it is common to every business that sells to visitors.
Winemaking adds a longer wrinkle. Fermentation tanks and cellar gear are bought long before a vintage is bottled and sold, so cash is tied up for a long stretch. The same logic applies to any craft producer who has to invest before the product reaches a customer.
This page covers Atascosa, Bandera, Bexar, Blanco, Colorado, Comal, DeWitt, Edwards, Fayette, Frio, Gillespie, Gonzales, Guadalupe, Karnes, Kendall, Kerr, Kimble, Lavaca, Mason, Medina, Real, Uvalde, Wharton and Wilson counties. The grouping is editorial, based on public regional definitions, and is not an official state region.
Funding runs from $25,000 to $5,000,000, and sole proprietors can apply. Start on the application page.
Yes. Any Texas business, including sole proprietors, can apply for $25,000 to $5,000,000.
The application is open to Texas businesses wherever they operate. Describe your business and the use of funds.
The funding is working capital, so you can direct it where the business needs it, including installation and freight on equipment.
The application takes about five minutes and uses a soft credit pull. Funding can arrive in as little as 24 hours.
No. Contractors, medical offices, retailers and other types of businesses can apply.
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
