La Marque grew up supplying trades and crafts workers to the petrochemical complex in neighboring Texas City, and hurricane season still sets its cash calendar. Apply in five minutes.
Apply Now →La Marque is a city in Galveston County and a suburb of Galveston, with 18,030 residents at the 2020 census. It grew considerably in the 1950s, when the city provided a general administrative and trades and crafts workforce helping to support the petrochemical complex in adjoining Texas City. League City, Galveston, Texas City, Friendswood, Dickinson, Santa Fe, Hitchcock and Kemah are all close by.
That history shows up in the business base today: trades, repair and service firms, marine and port-related businesses, and the shops and restaurants that serve working households.
Hurricane season runs from June 1 to November 30. A coastal contractor or small marine business has to decide each year how much cash to hold back for the months when a storm can close roads, shut down jobs or damage equipment. Property owners who cannot find windstorm and hail coverage in the regular market can turn to TWIA, a not-for-profit insurer.
Insurance helps with the loss. It does not pay payroll during the weeks before a claim is settled, and it does not restock the truck.
Work picks up after a storm and slows before one. Materials and crew costs are paid before the customer or general contractor pays. Under Texas Property Code section 28.004, overdue amounts accrue interest from the day after the due date at 1-1/2 percent per month, which helps when customers pay late, but it does not put cash in your account on the day you need it. This is general information, not legal advice.
Cash depends on boat and cargo traffic, which falls off in bad weather. Insurance, dock fees and labor do not.
Say a La Marque roofing and repair contractor has five employees and a $40,000 job that will be billed on completion and paid 30 days later. The figures are made up to show timing, not terms we offer. After a storm the owner might have more work than the crew can handle, but needs materials and temporary labor up front.
The owner can turn down work, stretch suppliers, or use funded working capital to take it on. Taking it on only makes sense if the customer's payment is dependable and the margin covers the cost of the funding.
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 nearby places and county context, see the Galveston County page and the Greater Houston overview.
Texas Property Code section 28.004 provides that overdue amounts accrue interest from the day after the due date at 1-1/2 percent per month. This is general information, not legal advice.
November 30, according to the National Hurricane Center.
Yes, including sole proprietors.
No. It 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
