Humble became an oil boomtown in the early 1900s, and the service, equipment and supply companies there still work on long invoice cycles. Apply in five minutes.
Apply Now →Oil was first discovered in Humble in 1904, and by 1905 the Humble oilfield was the largest producing oilfield in Texas. The city was home to the Humble Oil and Refining Company, a predecessor of Exxon. The 2020 census counted 16,795 residents. Today Humble sits in the Houston metropolitan area, with Houston, Pasadena, Baytown, La Porte, Deer Park, Katy and South Houston around it.
That history left a business culture built around supplying the people who work in energy. Service shops, equipment and parts dealers, haulers, and the restaurants and hotels that feed and house crews are all still part of how Humble does business.
| Pressure point | What happens | What a bridge covers |
|---|---|---|
| Payroll | Crews are paid every week; the customer's accounts payable team takes weeks to approve an invoice | Wages between the job and the payment |
| Equipment | A truck, pump or trailer goes down mid-job | Repair or replacement without turning down work |
| Receivables | One large customer accounts for most of the open invoices | Operating costs while one slow payer settles |
Give a real number from your last few invoices, not a hope. This tells the funder how long the gap lasts.
Wages, a repaired unit, a replacement, parts inventory. A clear answer matters more than a long explanation.
Good owners have already thought about this. A plan for a late payer is part of a credible request.
Say a Humble equipment-hauling company bills three customers about $45,000 a month in total, each on net-45 terms. Round numbers, used only to show timing. During any given month it has paid two or three payrolls and a fuel bill before the first customer's money arrives, and a single breakdown makes it worse. The owner is not losing money. The owner is lending to customers.
Working capital is one way to stop doing that. Whether it is the right way depends on the size of the gap, the cost of the funding and how fast the receivables turn. Think through those numbers before you apply.
Funding runs from $25,000 to $5,000,000. The application takes about five minutes with a soft credit pull, funding can arrive in as little as 24 hours, and sole proprietors can apply. More on the area is on the Harris County page and the Greater Houston overview.
The city's identity is tied to oil, and many local businesses still serve field operations. The cash-flow pattern of long invoice cycles and weekly payroll hasn't changed.
Yes. Funding is available for businesses of different sizes, including sole proprietors.
That is a common use. Say so on the application and describe when the related invoices are expected.
The application uses a soft credit pull.
From $25,000 to $5,000,000, depending on the business.
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
