Moore County is Panhandle country, and Dumas is its center. Work follows the farm season, and so do receivables.
Apply Now →Moore County was created in 1876 and organized in 1892. It is named for Edwin Ward Moore, the commander of the Texas Navy. Dumas is the county seat, and the Dumas micropolitan statistical area includes the entire county. At the 2020 census the county had 21,358 residents. The Window on the Plains Museum in Dumas highlights the county's history. We list Moore County with the Panhandle and South Plains.
On the plains, much commercial activity is tied to agriculture, either directly or through the shops and services that support it. Equipment dealers, parts counters, welders, trucking-adjacent services, feed and supply stores, and the restaurants that feed the town all rise and fall with the seasons.
A seasonal calendar produces a predictable pattern: money goes out when the work begins, and the larger share of money comes in after the harvest or sale. The question for the owner is not whether it will arrive but whether the business can carry its costs until it does.
| Period | Typical business activity | Cash position |
|---|---|---|
| Early season | Parts, repairs, supplies purchased ahead | Outflows high, inflows low |
| Busy season | Long hours, quick service work | Sales rise, many on account |
| After harvest | Customers settle accounts | Inflows catch up, bills reset |
Say a Dumas equipment-repair business wants to carry $50,000 of extra parts ahead of the busy season so that it can fix machines the same day. Many of its customers pay after the harvest. These are round numbers to show the timing and are not our terms or a typical result. The shop pays for the parts in spring and collects in fall. A working-capital decision therefore needs to cover that waiting period, plus payroll for the technicians through the months in between.
The benefit, if there is one, is that a customer whose machine is down during a critical week gets service the same day. That is worth more than a discount on a slow-moving part.
Insurance premiums, vehicle payments, shop rent, utilities and base payroll arrive on a monthly schedule regardless of the season. A shop that earns half its yearly income in a few months must fund its costs through the rest of the year. Owners often keep a spreadsheet of fixed costs by month and compare it with last year's deposits, which shows how many months of the year the business depends on its best weeks.
When that comparison shows a gap, the sensible question is whether the gap is a one-off (a new machine, a bad month) or a pattern. A pattern points to a plan with a recurring cushion; a one-off points to a specific purchase.
We fund $25,000 to $5,000,000, and funding can arrive in as little as 24 hours. The application takes about five minutes and uses a soft credit pull. We look at about three months of business bank statements, no tax returns are required, FICO 500+ is considered, and sole proprietors can apply. Start the application.
Yes. Dumas is the county seat of Moore County, and the micropolitan area covers the whole county.
Yes. Any operating business can apply, including those whose customers pay after harvest.
Through its business bank statements. We review about three months of them, so it helps to apply with a clear sense of the surrounding months.
No tax returns are required.
Yes. Sole proprietors can apply.
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
