Merchant Cash Advance in the Dallas-Fort Worth Metroplex

The scale of the market

The Dallas-Fort Worth metroplex, officially the Dallas-Fort Worth-Arlington metropolitan statistical area, is the most populous metropolitan area in Texas and in the Southern United States. It encompasses 11 counties, its historically dominant core cities are Dallas and Fort Worth, and residents call it DFW, after the airport code, or the Metroplex. Its population was 7,637,387 according to the U.S. census.

Our grouping reaches out to 20 counties, including Bosque, Collin, Comanche, Dallas, Denton, Ellis, Erath, Hill, Hood, Hunt, Johnson, Kaufman, Navarro, Palo Pinto, Parker, Rockwall, Somervell, Tarrant, Van Zandt and Wise. It is editorial and not an official state region.

What scale means for a small business

More customers, more competitors

A business can reach a lot of people, and so can the shop two streets away. Decisions about advertising, a second location or new equipment have to be made quickly.

Higher fixed costs

Rent, labor and insurance are built around the cost of operating in a large market. They are due on the first of the month no matter how the last one went.

Longer receivable cycles with larger customers

Businesses that sell to bigger companies often wait for those companies' payment runs. A small supplier can be owed a substantial amount and still be short of cash this week.

Where a merchant cash advance can help

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. We do not state rates or repayment terms on this page. They are in the offer, and you should read them before you accept.

• Opening a second location before the first has built up cash reserves.
• Buying inventory in volume ahead of a rush.
• Bridging a large receivable.
• Replacing equipment that went down unexpectedly.

A bridging example with invented numbers

For illustration only: a commercial cleaning company wins a contract that requires hiring ten people and buying supplies before the first invoice is sent. The first payment arrives 45 days later. That is six weeks of wages and supplies, paid by the owner. A revenue-based advance can cover the wait. The risk is sizing it to the entire contract value instead of the gap.

Questions a metro owner should ask first

• Is the cost I am covering a one-time gap or a permanent change in my cost structure?
• Will the revenue this spending produces arrive soon enough?
• What happens to my cash if a large customer pays two weeks later than expected?
• Have I compared what this costs against what it earns for the business?

Next steps

Pick the specific cost you are covering, and size your request to it. Then start your five-minute application on the apply page. The application uses a soft credit pull, and sole proprietors can apply.