A crew that works Monday is paid Friday; the customer pays when its process allows. Kenedy service companies can apply in five minutes, with funding in as little as 24 hours.
Apply Now →Kenedy, in Karnes County, was named for Mifflin Kenedy, who bought 400,000 acres and wanted to develop a new town carrying his name. It had 3,473 residents at the 2020 census, up from 3,296 in 2010. The mix of businesses here includes oilfield service, equipment and supply companies, hauling firms, and the restaurants, hotels and shops that serve field crews.
Not every business in an oilfield town operates a crew. Suppliers sell parts, fittings, chemicals and tools, and they carry inventory that must be paid for before it moves. A supplier that offers customers terms is in the same position as a service company that sends invoices: it pays first, and waits to be paid.
| Business | Cash tied up in | Funding use |
|---|---|---|
| Service crew | Labor and fuel before invoice payment | Payroll bridge |
| Parts and equipment supplier | Stock bought ahead of orders | Inventory |
| Hauler | Fuel, tires and repairs | Operating cash and equipment |
It covers payroll, equipment and receivables-gap uses. Funding decisions depend on each business, including those tied to oil prices, and nothing here is a promise of approval or a statement of terms.
Invented round numbers for illustration, not our terms or typical results: a Kenedy supply and service shop has $25,000 of unpaid invoices outstanding, a payroll of $9,000 due Friday and a $15,000 parts order that a supplier wants paid before shipping. Each item is normal. Together, in the same week, they strain an account that is waiting on customers.
With working capital, the shop can make payroll and place the order. Without it, one of the three slips, and the slip is usually the one that costs the next job.
For more about the local area, see business funding in Kenedy, Karnes County and San Antonio and Hill Country. The application takes about five minutes with a soft credit pull. Funding runs from $25,000 to $5,000,000 and can arrive in as little as 24 hours.
A simple habit helps any small oilfield-town business: every Monday, list what must be paid this week, what customers have promised to pay, and what is left. Owners who do this early can see a shortfall coming days ahead rather than on payday, which gives them time to arrange working capital instead of scrambling.
The same list shows which customers pay slowly. If one account consistently runs behind, that is useful information when deciding how much work to take on for it and how much cushion to hold in reserve.
Business owners in many kinds of work can apply, including suppliers and haulers. Sole proprietors can apply too.
Yes. Working capital is flexible and inventory is a common use.
No. Decisions are made case by case, and this page makes no promise.
From $25,000 to $5,000,000.
In as little as 24 hours after the five-minute application.
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
