Corpus Christi, the bays and the barrier islands run on tourism, trade and weather. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →The Texas Coastal Bend takes its name from the curve of the Gulf Coast, and its largest city is Corpus Christi. The area includes the Nueces Estuary (Corpus Christi Bay), the Mission-Aransas Estuary (Aransas Bay) and part of Laguna Madre. The coast is paralleled by barrier islands, including North Padre Island, Mustang Island and San José Island.
For a business owner here, geography is also a calendar. Visitors, boats, fishing and beach traffic are all weather-dependent, and storms can close a business without warning.
The Atlantic hurricane season runs from June 1 to November 30. For coastal businesses the season is not only a risk of damage. It is a period when one closure can erase weeks of margin.
Property owners who cannot find windstorm and hail coverage in the regular market can look to the Texas Windstorm Insurance Association, a not-for-profit insurer. Insurance claims take time, though, and the payroll does not wait for the adjuster.
A merchant cash advance is working capital tied to revenue. We fund $25,000 to $5,000,000, and funding can arrive in as little as 24 hours. Terms are in the offer and are not stated on this page. In a coastal business, two uses stand out: bridging the weeks between a storm and an insurance payout, and pre-funding the inventory and staffing a busy season needs.
It is not a replacement for insurance, and it is not suited to every situation. If you are repairing damage, compare the speed of the advance with what an insurance claim will cover.
For illustration only: a bayside restaurant with fixed weekly costs of $15,000 loses two weeks of revenue to a storm closure and then spends several weeks at reduced volume while customers return. Insurance may cover some of the damage, but claims take time and may not cover lost sales. The owner's real question is how to pay staff and suppliers during that period. A modest, well-sized bridge answers that question. An oversized one only adds repayment pressure to a business already recovering.
Aransas, Bee, Calhoun, Goliad, Jackson, Jim Wells, Kenedy, Kleberg, Live Oak, Matagorda, Nueces, Refugio, San Patricio and Victoria counties are in this editorial grouping, based on public regional definitions. It is not an official state region, and any Texas business can apply.
Apply in about five minutes on the apply page. The application starts with a soft credit pull, and sole proprietors can apply.
The funds are working capital that you can direct to business needs, including restocking and payroll. Compare the timing against insurance.
No. It is a separate source of working capital.
$25,000 to $5,000,000.
No. Any Texas business can apply.
In as little as 24 hours after the application is complete.
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
