Pampa is the Gray County seat, with a downtown ranching museum and a yearly August rodeo. Apply in about five minutes; funding can arrive in as little as 24 hours.
Apply Now →Pampa is the county seat of Gray County and the principal city of the Pampa micropolitan area, which includes Gray and Roberts counties. The 2020 census counted 16,867 residents, and Gray County, established in 1876, had 21,227 people across 928 square miles. Each August the town hosts the Top o' Texas Rodeo, which brings competitors from Texas and surrounding states, and the White Deer Land Company Museum, in downtown Pampa, shows ranching exhibits.
A ranching museum and a rodeo are signs of a community whose identity is tied to the land. Businesses that supply feed, fuel, tires, welding, trucks and tools to that community depend on customers whose income is tied to cattle markets, weather and harvest. That is a different rhythm from a city with a steady payroll base.
It leads to a pattern worth planning for: orders cluster, payment follows sales, and slow stretches are unpredictable.
Parts and tires are bought ahead of busy periods. When customers come in all at once, the shop needs inventory on hand and extra labor.
Weekend rodeo traffic means ordering extra food and staffing up, with receipts arriving days later.
Work is billed after completion, sometimes after the customer sells livestock or a crop. Meanwhile, steel and wages are paid right away.
For illustration only, not our terms or typical outcomes: a fabrication shop quotes a $70,000 job, with $25,000 of materials due up front and payment due when the job is delivered six weeks later. Wages continue every week in between. The owner can say yes to the job only if the materials and payroll can be carried for those six weeks. That is what working capital is for: making a good order possible to accept.
Events that fill a town for a few days create a particular strain for restaurants, lodging and shops. Orders for food and supplies are placed ahead, extra staff are scheduled, and the revenue comes in as a burst. Then the town goes quiet, and rent, utilities and wages carry on at the weekday rate. Owners who treat an event week as a project, with a budget for stock and labor, tend to end it with a clearer picture than those who simply hope it goes well.
Funding ranges from $25,000 to $5,000,000, with a five-minute application and funding in as little as 24 hours. Sole proprietors can apply.
See Gray County and the Panhandle and South Plains page, or apply here.
It is held every August in Pampa.
Yes. Small businesses and sole proprietors can apply.
That timing is common for ag-linked suppliers and is a typical reason owners use working capital to bridge the wait.
It includes Gray and Roberts counties, and Pampa is its principal city.
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
