Live Oak is part of the San Antonio-New Braunfels metro, with trade and supply firms and the small shops that serve nearby neighborhoods. Apply in five minutes.
Apply Now →Live Oak is a city in Bexar County and part of the San Antonio-New Braunfels metropolitan area. It had 15,781 residents at the 2020 census. Schertz, Converse, Universal City, Leon Valley, Selma, Fair Oaks Ranch and Helotes are among the nearby places, and San Antonio itself is next door.
If most of your customers pay at the counter, your gap is likely about inventory and slow weeks. If most pay on invoice, your gap is about the time before they pay.
Payroll, rent, insurance and your suppliers' invoices have dates. Sales tax collected for the state is also not yours to spend. Filers are told by letter whether they file monthly or quarterly.
A second vehicle, a new machine, a bigger stock order. If you can name it and say when it starts to pay back, you can size a request around it.
| Business | Typical gap |
|---|---|
| Farm and ranch supply or feed | Customers buy now and settle later |
| Trade contractors and haulers | Crew and materials before payment |
| Retail and food | Stock and staff ahead of sales |
| Repair and service shops | Parts and technicians ahead of invoices |
Suppose a Live Oak farm and ranch supply store, serving customers who buy on account, carries $30,000 in customer balances and needs to order $20,000 of seasonal stock. These round numbers are illustrative only and are not terms we offer. The stock has to be paid for before the balances come in.
The owner can wait, order less and risk empty shelves, or use working capital to place the order. Orders delayed by a month can mean the whole season's sales. That cost, not the cost of the funding alone, is what the decision should weigh.
The same weighing applies to a contractor deciding whether to add a second truck and to a restaurant deciding whether to add a second shift. In each case, ask what happens to revenue if you wait, what happens to cash if you act, and how many weeks pass before the new capacity is billing. The answers turn a general sense of needing more money into a specific amount with a specific purpose, which is how a request should read.
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: Bexar County and the San Antonio and Hill Country overview.
Yes, it is its own city in Bexar County and part of the same metropolitan area.
Filers are told by letter whether they file monthly or quarterly, according to the Texas Comptroller.
Yes, including sole proprietors.
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
