Crew and materials get paid first; the draw arrives later. McAllen contractors can apply for $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →McAllen is at the southern tip of Texas in the Rio Grande Valley, on the Mexican border, across from Reynosa. The city had 142,210 residents at the 2020 census, and Hidalgo County, whose seat is Edinburg, had 870,781. The neighbors, Edinburg, Mission, Pharr, Weslaco, San Juan, Alamo, Alton and Donna, are close enough that one crew can work in several in a single week. A contractor here deals with warehouses and freight facilities tied to border trade, retail and food businesses, homes, and the everyday repairs that follow them.
| Phase | You pay | You collect |
|---|---|---|
| Permits and mobilization | Fees, deposit on materials, first payroll | Perhaps a small deposit |
| Main work | Weekly labor, subs, supplies | Nothing until a milestone |
| Inspection and punch list | Crew time, corrections | A partial draw at best |
| Close-out | Final materials, cleanup | Final payment after approval |
The widest gap is usually in the middle, when most of the money has gone out and the next release is still pending.
Payment follows your invoice and the owner's own cash position. Some are prompt, and some need reminding.
A sub is typically paid after the general collects. A delay upstream is a delay for your crew.
Approval chains are longer, with more steps before a check is issued.
This is not legal advice. Texas Property Code section 28.004 provides that overdue amounts accrue interest from the day after the due date at one and a half percent per month. Section 53.052 covers the lien affidavit filed with the county clerk, and for a non-residential original contractor the deadline is the 15th day of the fourth month after the month the work was completed.
Those tools protect your claim, but they work over months. Payroll is weekly. A contractor who plans ahead keeps good records, files on time if needed and, for the gap itself, uses working capital instead of delaying the crew. Review your contracts with an attorney.
For trucks, trailers and tools, see equipment financing in McAllen. For payroll and materials ahead of draws, see working capital, or consider a line of credit if you will draw repeatedly. If you also work on warehouses for trading companies, the import-export page may help you understand your clients' cash cycles, and produce facilities are covered on the produce packers and distributors page.
When does the next draw come due, and what has to happen before it is released? How much will you have spent by that date? What does the job's margin look like after the cost of outside capital? If a draw slips by two weeks, can you still cover payroll? Answering those questions turns a vague request into a plan, and a plan makes repayment easier to manage.
The application takes about five minutes with a soft credit pull. Sole proprietors and one-truck crews can apply. Funding runs from $25,000 to $5,000,000 and can arrive in as little as 24 hours after approval. See the McAllen hub or start the application.
It depends on the need. Equipment purchases and day-to-day payroll gaps are different problems with different fits.
Yes. Sole proprietors and small crews can apply.
No. Liens and statutory interest are separate legal tools; ask an attorney.
Yes. Materials, payroll and subcontractors are common uses.
No. The application uses a soft 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
