Sherman, Denison and the Lake Texoma shoreline along the Red River. Working capital for Grayson County businesses that supply a growing North Texas.
Apply Now →Grayson County was created from Fannin County in 1846 and named for Peter Wagener Grayson, an attorney general of the Republic of Texas. Sherman is the county seat, and the county forms the Sherman-Denison metropolitan area, part of the Dallas-Fort Worth-Arlington combined statistical area. It sits on the Oklahoma border in the Texoma region, near Lake Texoma and the Red River. The 2020 census counted 135,543 residents across about 934 square miles.
| Place | What is on the record | What it means for a small business |
|---|---|---|
| Sherman | County seat, a Butterfield Overland Mail station from 1856 | A commercial center with courthouse, offices and services |
| Denison | Birthplace of Dwight D. Eisenhower, site of the dam on the Red River | Visitors, industry and downtown shops |
| Van Alstyne, Howe, Whitewright, Pottsboro, Tom Bean | Founded as the railroads came in the 1870s and 1880s | Small-town businesses with a metro commute |
Railroads shaped the county first: the Houston and Texas Central and the Katy lines began running in 1872, and many towns grew up along them. That pattern, in which a transport link creates a business district, still describes growth along the highways today.
Perrin Air Force Base opened in 1941 and closed in 1971, which the county record calls a blow to the local economy. But the skilled workers who had been associated with the base helped attract industrial plants, and the field is now a civilian airport, North Texas Regional Airport - Perrin Field. A county that has lost a major employer and recovered it knows how expensive it is to wait for a single big customer.
It is useful context for any owner here: diversify customers when you can, and keep a buffer for the quarter when one of them slows down.
Denison Dam, authorized in 1938, created Lake Texoma, which is used for recreation, irrigation and electrical power generation. A reservoir changes the commerce around it. Marinas, bait shops, restaurants, rental cabins and boat repair businesses all sell most of their goods in a short window and spend the rest of the year preparing for it.
Imagine a small marina that wants to add four rental boats before the season. For illustration only, say the boats, insurance and a seasonal hire come to $90,000, and rental income starts in the late spring. These invented figures show timing, not terms we offer. The owner can fund this from savings and run lean, or bridge the months before revenue with working capital.
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.
Any Texas business can apply regardless of which Grayson County community it is in.
Add up the weeks between your last good revenue and the first of the season, and size the request to cover costs in that stretch.
Many owners use working capital for build-out, fixtures and opening payroll. Share your plan in the application.
Yes. Sole proprietors can apply.
Common uses include payroll, inventory, equipment and repairs.
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
