You stock feed, seed and fencing before customers need them, then wait for charge accounts to settle. Apply for $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →Lubbock sits on the southern end of the High Plains, in the Llano Estacado, and it is the economic center of the Lubbock metropolitan area. A feed store or ag supply dealer in a High Plains market sells to customers whose own income arrives in chunks, not week by week. That shapes how you buy, how you sell and how you get paid.
The 2020 census counted 257,141 people in Lubbock and 310,639 in Lubbock County, and smaller towns such as Slaton and Wolfforth are close by. Your customers may come from any of them, or from further out.
Before the demand. Feed, seed, fertilizer, fencing and tack are ordered ahead, because a supplier has to deliver on a schedule and a sold-out shelf is a lost customer.
Often later. Many ag customers buy on a house account and settle after their own sales. Your cash is out early, and it returns after the customer's crop or livestock income lands.
Fixed costs continue: rent or mortgage on the store, a delivery truck, counter staff, utilities and insurance.
| Moment in the year | What you pay | What you wait for |
|---|---|---|
| Before the busy season | Large stock orders, extra staff | Walk-in and account sales |
| During it | Reorders, fuel, overtime | Customers settling house accounts |
| After it | Overstock carrying cost, rent | Final account balances |
| Off-season | Fixed costs only | Little new revenue |
It helps when the stock you buy has a clear buyer and the delay is only timing. A dealer who knows from past years what a spring order will bring can fund the larger order with confidence. It does not help if charge accounts are routinely unpaid for many months, because borrowing then only finances late payers. In that case, tightening credit terms matters more.
Also consider equipment: a forklift, a delivery truck or a feed mixer is usually better suited to equipment financing than to general cash. For stock, see working capital or a line of credit that you can draw on repeatedly. Nearby farm customers may find cotton and grain farm funding relevant, too.
The application takes about five minutes and uses a soft credit pull. Sole proprietors, including a one-person store with a part-time helper, can apply. Funding runs from $25,000 to $5,000,000 and can arrive in as little as 24 hours after approval. Start the application.
Yes. Buying inventory ahead of known seasonal demand is a typical use.
Working capital can bridge normal delays, but chronic late payment is a credit-terms problem to fix separately.
No. The application is the same short form wherever your business is in Texas.
Yes.
The application uses a soft credit pull.
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
