Navarro County sits just south of the Dallas-Fort Worth metro, close enough to sell into it and small enough to compete on relationships.
Apply Now →Navarro County is named for José Antonio Navarro, a Tejano leader in the Texas Revolution who signed the Texas Declaration of Independence. Corsicana is the county seat, and the 2020 census counted 52,624 residents. The county comprises the Corsicana micropolitan statistical area, which is also part of the Dallas-Fort Worth combined statistical area. We list it in the Dallas-Fort Worth Metroplex grouping.
For a small business, that location is both an advantage and a test. Customers and suppliers in a huge market are close, and so are competitors.
Many Navarro County firms sell beyond the county line, because the Metroplex is a short drive. A contractor takes jobs in several counties, a manufacturer or fabricator ships to larger customers, a delivery or service business covers a wide route. That brings larger invoices, but also longer waits. A big customer may pay on its own schedule, and the owner has to carry labor and materials until it does.
| Goal | Why it can matter | Question to ask |
|---|---|---|
| Bigger contracts | Larger customers, steadier volume | Can you carry the first 60 days of costs? |
| More equipment | Faster jobs, wider range | Are you already turning work away? |
| A second location | New customers | Does the first run without you? |
Texas law lets a non-residential original contractor file a lien affidavit with the county clerk by the 15th day of the fourth month after the month the work was completed. This is not legal advice, and an attorney should confirm the deadline for any specific job. It does show how long payment on a contract can take, and why contractors plan their cash around it. Under Texas prompt-payment rules, overdue amounts on property improvements accrue interest at 1-1/2 percent per month from the day after they are due, but interest does not pay this week's crew.
Say a Corsicana fabrication shop wins a larger order from a customer in the Metroplex. Materials cost $45,000 up front, two more welders are needed for six weeks, and the customer pays 60 days after delivery. These are round numbers to explain the timing, not our terms or a typical result. The shop must carry materials, extra payroll and ordinary overhead for months before payment arrives. If the margin on the order is strong, the business may choose to bridge that gap; if it is thin, the owner may decide to pass.
One large customer can make a small business, and it can also break one. If a single account is more than a fraction of your sales, the cash you hold in reserve matters more, because a delayed payment hits everything at once. Many owners diversify slowly, adding a few smaller customers who pay faster.
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. Corsicana is the county seat of Navarro County.
It can bring larger customers, but those customers often pay on longer cycles, so cash timing becomes more important.
Yes. Subcontractors apply regularly because of timing gaps between jobs and payments.
About three months of business bank statements. No tax returns are required.
Yes.
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
