El Paso faces Ciudad Juárez across the Rio Grande. Warehouses, customs brokers and traders live on throughput, and cash lags the freight by weeks.
Apply Now →El Paso is the county seat of El Paso County and the most populous city in West Texas, with 678,815 residents in the 2020 census, according to Wikipedia. It stands on the Rio Grande across the Mexico-United States border from Ciudad Juárez, the most populous city in the Mexican state of Chihuahua. Socorro, Horizon City and San Elizario are nearby.
Freight, warehousing and brokerage businesses here move goods across a border whose paperwork, inspections and scheduling are part of every shipment.
| Stage | Who pays whom | Cash effect |
|---|---|---|
| Goods arrive at the warehouse | Warehouse pays labor, rent, power | Money out |
| Cross-dock and sorting | Forklift fuel and extra shifts | More money out |
| Customs paperwork cleared | Broker pays filing and bond costs | Money out |
| Delivery and invoice | Customer is billed on terms | Waiting |
| Payment arrives | Customer pays the warehouse or broker | Money in |
Everything before the last row is cost. For illustration only, a cross-dock operation with $90,000 in monthly labor and rent and customers who pay in 45 days is financing about a month and a half of costs. That is the number to explain in any request.
A merchant cash advance is generally described as money received up front and repaid from future sales. In a throughput business, ask how repayment is collected relative to when customers pay. If daily or weekly collection runs against a monthly payment cycle, the account can look tight even in a good quarter. Compare that with alternatives such as a line of credit or a term loan, and with equipment financing if the need is a forklift or truck.
Before approaching any funder, work out three numbers: monthly fixed costs, average days to collect from customers, and the share of revenue that comes from your largest two customers. If two customers account for most of the revenue, a delay from either one has an outsized effect on cash. Say so on the application; it is better for a funder to hear it from you than to discover it. Many warehouse and brokerage owners find that simply writing the numbers down changes how much they think they need.
Requests run from $25,000 to $5,000,000, with funding in as little as 24 hours once the application is complete. The application takes about five minutes and uses a soft credit pull. Sole proprietors can apply. Apply here.
Other pages: working capital and same-day funding.
Wikipedia says yes: it is the most populous city in West Texas.
Labor, rent and fuel are paid as goods move, while customers pay weeks later.
Ask how often repayment is collected and how that lines up with when your customers pay.
Yes.
No. It 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
