Pampa and the Panhandle along Interstate 40. Working capital for Gray County businesses that run on long distances, weather and customers who pay later.
Apply Now →A small business in the Panhandle runs on three clocks at once, and cash flow trouble usually comes from two of them falling out of step.
Payroll, fuel, rent and utilities come due on a schedule. Pampa shops, cafes and contractors cannot move those dates.
Customers pay when their own cash arrives: after a cattle sale, at the end of a job, at the next insurance payment. The owner does not set that date either.
High winds, hail, a hard freeze or a dry summer can close a job site or a road for days. The bills keep arriving.
Gray County is in the Texas Panhandle, created in 1876 and organized in 1902. Pampa is the county seat, and the county forms the Pampa micropolitan area. The 2020 census counted 21,227 residents across about 928 square miles, and roughly 79.5 percent lived in urban areas, which in a county this size mostly means Pampa itself. The median age was 39.2. Interstate 40 runs through, with U.S. Highway 60 and State Highways 70, 152 and 273, and McClellan Creek National Grassland lies within the county.
The interstate matters to anyone who sells to travelers, trucks goods or repairs vehicles. The grassland is a reminder that most of this land is open range, and that a lot of the commerce that supports Pampa comes from beyond the town limits.
About 73 percent of occupied homes in the county were owner-occupied in 2020, and a good share of homes stood vacant. In practice this usually means a long-settled customer base. An owner here grows by serving the same households more fully, by taking commercial work, or by reaching out of the county. All three need money upfront.
| Trade | What is paid first | What arrives later |
|---|---|---|
| Auto and truck repair | Parts, technician pay, shop rent | Fleet invoices on terms, insurance work |
| Contractors and roofers | Materials, crews, dump fees | Customer or insurance payment after completion |
| Cafes and diners | Food, labor, utilities | Traffic that rises and falls with the season |
| Ranch and farm services | Feed, fuel, repairs | Sales after the cattle or crop moves |
| Hauling | Fuel, tires, insurance | Broker or shipper payment, weeks later |
A roofing contractor in Pampa gets several storm-repair jobs after a hailstorm. Materials, a second crew and a dumpster rental come to $45,000 before the insurance companies pay. These invented numbers show timing only; they are not terms we offer or typical outcomes. Storm work is fast and then it is over, so the decision to staff up has to be made in days. Working capital makes that decision possible without cutting into payroll for the jobs already under contract.
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. Start your application.
Any Texas business can apply regardless of which Gray County community it is in.
A funded buffer can carry payroll and materials while you wait on insurance and customer payments. Describe the expected timing in the application.
Yes. Equipment, inventory and payroll are common reasons to apply.
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
