San Marcos, Kyle, Buda and the Hill Country edge, all of it on the Interstate 35 growth line between Austin and San Antonio. Working capital for Hays County owners.
Apply Now →Hays County sits in central Texas as part of the Austin-Round Rock area, with San Marcos as its county seat. The 2020 census counted 241,067 residents across about 678 square miles, and in 2017 the county was listed among the nation's fastest-growing counties with at least 10,000 residents. It is predominantly on the Edwards Plateau, with the southeast portion in the Texas Blackland Prairies.
Interstate 35 divides the county into two commercial worlds. Along and east of the highway are San Marcos, Kyle and Buda, where growth is fastest and the customer base is largely young households, students and commuters. To the west are Dripping Springs, Driftwood, Wimberley and Woodcreek, which are more rural and visitor-driven, closer to the Hill Country.
When a market is busy, rent, build-out and equipment are priced for a busy market. Opening or expanding takes more cash before the first customer.
A new subdivision, a new store or a new road can shift traffic overnight. A shop that was in the center of town last year may not be next year.
Chains and franchises follow growth. A local owner often has to invest in signage, hours, delivery or a second location just to hold position.
Texas State University, the county's only four-year institution, is in San Marcos, and it shapes the rhythm of business there. Landlords, restaurants, bars, copy shops, bike and phone repair and many service businesses see strong demand during the semester and a visible drop in summer and between terms. Aquarena Springs, which opened as a tourist site in 1928, and Wonder Cave, which opened to the public in 1900, add a visitor layer in San Marcos itself.
| Period | Demand | Cost pattern |
|---|---|---|
| Start of semester | High, with a sudden peak | Inventory and extra staff paid for beforehand |
| Mid-term | Steady | Normal payroll, rent, utilities |
| Breaks and summer | Low | Rent and payroll continue |
West of the interstate, Wimberley, Dripping Springs and Driftwood draw weekend visitors, and businesses there are as dependent on weather and calendars as a lakeside resort: a rainy weekend can erase a month's expected margin. Event venues, restaurants, boutiques and trade contractors in this part of the county often buy and build ahead of a season that may or may not arrive on schedule.
For these owners, working capital is as much about steadiness as expansion: the aim is to keep a good crew employed through a slow stretch.
A San Marcos bakery wants a second location in Kyle, where new housing is going up. For illustration only, say the lease deposit, equipment and the first months of payroll come to $85,000, and revenue builds slowly as the neighborhood fills in. These are invented numbers to show timing, not terms we offer. The opportunity is real, and so is the stretch before it pays for itself.
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 Hays County community it is in.
Seasonal revenue is normal in a university town. Describe the pattern and what the funds are for.
Many owners use working capital for build-out, fixtures and opening payroll. Share your plan in the application.
Yes. 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
