East of Dallas, Kaufman County is growing quickly, and growth means builders, retailers and service firms paying costs before customers pay them.
Apply Now →Kaufman County had 145,310 residents at the 2020 census and covers about 786 square miles, with the city of Kaufman as its seat. Terrell is about 32 miles east of Dallas. Forney, named by the Texas Legislature as the Antique Capital of Texas, is part of the Greater Dallas area. Crandall, Mabank and Talty are other incorporated places, and communities like Heartland and Travis Ranch have added residents as well.
| Business | Paid out first | Collected later |
|---|---|---|
| Home-services contractor | Materials, subcontractors, fuel | Draws or final payment |
| Retailer or restaurant | Inventory, rent, staff, sales tax | Daily sales, but uneven |
| Professional or clinic | Staff, leases, equipment | Insurer or client payments |
In every row, the owner is the one carrying the gap.
Retailers collect sales tax and remit it. The Comptroller notifies each filer by letter whether to file monthly or quarterly. The maximum combined state and local rate is 8.25 percent. Filers who file and pay on time may keep a 0.5 percent discount. This is general information and your own account governs.
For illustration only: a store with $100,000 of taxable sales in a month would collect up to $8,250 at the maximum rate. That money belongs to the state, and the cash has to be there when the return is due, even if inventory spending was heavy that month.
For non-residential original contractors, a lien affidavit must be filed with the county clerk by the 15th day of the fourth month after the month the work was completed. This is general information and not legal advice. Practically, it tells you that payment for construction work is often settled over months, which is why many contractors in a growing county like this use working capital for the middle of the project.
Forney, closer to Dallas, leans toward new residential and commuter-driven demand. Terrell, further east, serves a broader and more rural trade area. The seat, Kaufman, with a smaller city population, draws on county services and nearby neighborhoods. A contractor can cover all three in a day, but a storefront is tied to one. Choose the funding amount with that in mind: a crew-based business should size for payroll and vehicles, a storefront for inventory and lease.
A restaurant in Forney adds a second shift. A Terrell shop adds a van. A Mabank service company hires two employees. Each decision adds fixed cost immediately and revenue gradually. If you can describe the decision and the timeline, you are ready to apply.
Funding runs from $25,000 to $5,000,000. The application takes about five minutes with a soft credit pull, funds can arrive in as little as 24 hours after approval, and sole proprietors can apply.
The maximum combined state and local rate is 8.25 percent.
Yes, 0.5 percent for timely filers, per the Comptroller.
Yes. Describe your business and its timeline.
No.
As little as 24 hours after approval.
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
