Live Oak County is a lot of ground for a small population, and distance shows up in every invoice. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →Live Oak County sits in the Coastal Bend grouping we use for South Texas. It was named for its native groves of live oak, and its county seat is George West. At the 2020 census the county had 11,335 residents spread across roughly 1,036 square miles.
That ratio matters for a business owner. A shop in George West or a crew based in a small town may be selling to customers a long drive apart, buying from suppliers a long drive the other way, and paying for fuel, tires and truck time on every trip. The overhead of covering distance is a cost that city competitors never see.
The pattern is usually the same. Costs arrive first: the parts order, the fuel card, the weekly crew payroll. Revenue arrives later, after the job is finished, the invoice is mailed and a customer gets around to paying. When the county is large and the customer base is thin, one slow account can matter more than it would in a crowded market, because there is no stack of other customers to cover it.
| Business | Cost that lands first | Cash that arrives late |
|---|---|---|
| Ranch and farm supply store | Feed, fencing and fuel bought ahead of the season | Charge accounts settled after the sale |
| Truck and equipment repair shop | Parts, shop payroll, a lift or diagnostic tool | Fleet customers who pay on their own calendar |
| Small cafe or diner in town | Weekly food and labor | Uneven weekday sales, slower stretches in between |
| Oil and gas service subcontractor | Crew payroll, equipment, insurance | Operator or prime-contractor receivables |
The Eagle Ford Shale is a formation that runs across much of Texas and is associated with petroleum deposits, and service businesses across South Texas live with the way that activity rises and falls. For a subcontractor the money questions are payroll, equipment and receivables, not anything exotic. Crews have to be paid every week. A truck or a trailer has to be on the road. The customer's accounting department may take weeks to release payment on work that is already finished.
Working capital sits between those two calendars. It does not change when the operator pays; it lets payroll and equipment stay current while you wait.
Say a Live Oak County repair shop needs $15,000 of parts and a replacement compressor to take on a fleet customer, and the customer pays 45 days after each job. Those are round numbers to show the timing, not our terms or a typical result. The shop has to find the parts money now, while the invoices come in later. The math question is whether the added jobs are worth more than the cost of the funds, and that is a question about your own margins.
We fund $25,000 to $5,000,000, and funding can arrive in as little as 24 hours. The application takes about five minutes and uses a soft credit pull. We look at about three months of business bank statements, and no tax returns are required. FICO 500+ is considered, and sole proprietors can apply. When you are ready, start the application.
A small county can still hold working businesses with real payroll and equipment costs. The test is your own cash flow, not the county population. The application looks at your recent bank statements.
That is common here. Funding is based on your business account activity, not on where your customers live, so a service company that works across county lines applies the same way.
Yes. Sole proprietors can apply, and the same documents are requested: about three months of business bank statements and a short application.
No tax returns are required. We ask for about three months of business bank statements.
Frame it around payroll, equipment and receivables: what you owe this week versus what the operator or prime contractor owes you. That is the gap working capital is meant to cover.
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
