With a river through town, summer camps, hunting ranches and RV parks nearby, Kerrville's businesses live on the visitor calendar. Apply in five minutes; funding in as little as 24 hours.
Apply Now →Kerrville is the county seat of Kerr County, in the Texas Hill Country. It had 24,278 residents at the 2020 census; the county had 52,598. The city is named after James Kerr, a major in the Texas Revolution and a friend of settler-founder Joshua Brown, who settled in the area to start a shingle-making camp. It is best known for the parks along the Guadalupe River, which runs directly through town, and nearby features include youth summer camps, hunting ranches and RV parks.
The Texas Hill Country is also the center of the state's wine industry, which adds a visitor draw to the area.
A business that has figured out which of these seasons it can serve is better positioned than one that treats all twelve months the same. A business that depends on one of them has to plan its cash around the other three.
| Business | Spending before the season | More detail |
|---|---|---|
| Hotels and motels | Repairs, linens, staffing | Kerrville hotels and motels |
| Wineries and tasting rooms | Production, equipment, events | Kerrville wineries and vineyards |
| Restaurants and retail | Inventory and seasonal hires | Covered in the section below |
| RV parks and campgrounds | Utilities, hookups, maintenance | Describe the equipment on the application |
Say a Kerrville outfitter and gift shop spends $22,000 in spring on inventory and two summer staff, and the first real summer revenue comes in late June. The numbers are round and made up to show timing, not terms we offer or outcomes to expect. If a flood closes the river for a week or the weather turns, the owner has already paid for the stock and the wages.
A funded cushion lets the owner hold the season together rather than discount to get cash in quickly. How much to ask for depends on how many weeks of slack the business needs.
The weeks between seasons are where Hill Country businesses are most exposed. The summer rush is over, hunting has not started, and the staff hired for the peak are either gone or being paid to stand around. Owners who map those weeks on a calendar usually find the shortfall is smaller and more predictable than it feels, which makes the request easier to size and the repayment easier to plan.
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. For county and regional context, see Kerr County and the San Antonio and Hill Country overview.
Businesses in the Kerrville area can apply. The county page covers the surrounding area.
Yes. Explain your season and when cash comes in.
The application is the same. The dedicated pages explain the specific cash-flow patterns.
No. It uses a soft credit pull.
$25,000.
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
