Between the Brazos and Navasota rivers, a county of livestock, dairy and growing towns beside Bryan-College Station. Working capital for Grimes County owners.
Apply Now →Grimes County was formed from Montgomery County in 1846 and is named for Jesse Grimes, a signer of the Texas Declaration of Independence. The Navasota and Brazos Rivers form its western boundary, and the eastern areas drain into the San Jacinto River watershed. Anderson is the county seat, but Navasota is the largest city: in 1859 the Houston and Texas Central Railroad extended into the county, Anderson turned it down, and Navasota, which was on the line, soon outgrew it. The 2020 census counted 29,268 residents across about 794 square miles.
It is a small lesson that applies to any business: the road or the rail line you choose to be on shapes the next hundred years of customers.
The county stayed mostly rural and agricultural until the late twentieth century. Timber was an early industry, and livestock and dairy farming became the largest part of the farm economy, with crops growing more diverse. State Highway 90 is the main north-south road, and State Highways 30 and 105 run east and west. New manufacturing has arrived, and the county's location next to the Bryan-College Station area has contributed to growth.
For a small business owner, that mix produces a split customer base: longtime ranch and farm households, and newer residents who commute or work from home and expect the services of a larger town. Serving both usually means buying equipment or inventory before the new demand is proven.
The pattern is predictable. A town that is growing slowly adds a house at a time, so a new contractor, mechanic or restaurant has to spend months building a client list. The ones who survive that stretch are usually the ones who had enough cash to wait.
| Stage | Cost | Revenue |
|---|---|---|
| Opening or expanding | Equipment, fit-out, first inventory, deposit | Almost none for weeks |
| Building a client list | Marketing, a truck or trailer, a second hire | Slowly rising |
| Steady state | Payroll, insurance, fuel | Regular but exposed to a bad month |
A feed and farm supply store wants to carry a wider range of livestock supplies, which means buying about $30,000 of inventory before customers have a chance to ask for it. For illustration only, these numbers are invented to show timing and are not terms we offer. Sales will come over the season, but the supplier invoices are due in a few weeks. The owner can stay with the narrower line or bridge the gap 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 Grimes County community it is in.
Texas businesses across agriculture and farm supply can apply. Share what the funds are for and when you expect to be paid back.
Yes. Describe where your work comes from and how your customers pay.
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
