In a county seat of about 3,100 people, the service companies, haulers and field-crew restaurants carry a lot of other people's payroll. Apply in five minutes; funding in as little as 24 hours.
Apply Now →Karnes City is the county seat of Karnes County and had 3,111 residents at the 2020 census, up from 3,042 in 2010. The town was named after Henry Karnes of the Texas Revolution. It is on U.S. Highway 181, 24 miles southeast of Floresville and 54 miles southeast of San Antonio. Kenedy, in the same county, is the nearest neighbor.
A town this size supports a business base that serves the field and the road: oilfield service and equipment firms, haulers, suppliers, and the restaurants, motels and shops that feed and house the crews. For more detail on that sector, see oilfield services in Karnes City.
Write both lists. Payroll, fuel, insurance and parts on one side; open invoices with dates on the other. The distance between the two columns is the real size of your gap.
If one truck, one pump unit or one trailer going down stops revenue, it deserves a repair or replacement plan, and that plan costs money.
Concentration in a few customers is normal in field services. It also means a single late payment can disrupt everything.
| Use | Why it can't wait |
|---|---|
| Crew payroll | Workers are paid weekly, regardless of invoice timing |
| Truck and equipment repair | Idle equipment bills nothing |
| Parts and supplies | Vendors want payment on their own schedule |
| Fuel | Paid as used, billed later to the customer |
Say a Karnes City service company's customers pay about 60 days after invoicing, and it carries a crew of eight on weekly payroll. Round numbers, used to show timing, not terms we offer. Over those 60 days the company will pay eight or nine payrolls before the first invoice is settled, plus parts and fuel.
If a pickup or trailer also fails, the owner needs money in hand that week. That sequence, not poor sales, is the most common cause of cash trouble in this business.
Restaurants, motels and shops that serve the field have a different pattern but a related problem. Their sales rise and fall with the crews' work schedules, so a job that wraps up or moves on can empty a dining room in a week. Fixed costs stay where they were. Owners in that position are usually asking for a cushion, not a growth loan, and the right size is whatever covers the lean weeks until the next job crews arrive.
Funding runs from $25,000 to $5,000,000. The application takes about five minutes with a soft credit pull, sole proprietors can apply, and funding can arrive in as little as 24 hours. Related pages: Karnes County and the San Antonio and Hill Country overview.
The minimum is $25,000. If your gap is smaller, it is worth thinking about whether the larger amount makes sense for the need.
Yes. Sole proprietors can apply.
Payroll, repairs, parts, fuel or the weeks before customer invoices are paid.
Yes, the application uses a soft credit pull.
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
