The worst weeks for a restaurant are the ones when sales stop and the bills do not. In a Gulf Coast city, a storm can be one of them.
Apply Now →The Atlantic hurricane season runs from June 1 to November 30. A storm can close a dining room for days, spoil food in a power outage and still leave rent and payroll due.
A key cook or manager leaves, and the restaurant pays overtime or runs short.
A walk-in, fryer or hood fails and the kitchen runs a limited menu.
| Event | Immediate cash hit | Tool to compare |
|---|---|---|
| Storm closure | Lost sales, restocking | Working capital |
| Key staff leaves | Overtime, recruiting | Working capital |
| Walk-in or hood fails | Repair or replacement | Equipment financing |
| A slow season | Rent and payroll against thin sales | A line of credit |
Pasadena had 151,950 residents at the 2020 census and, in Wikipedia’s description, has become a mostly working-class suburb of Houston. Neighbors include Deer Park, La Porte, South Houston and Houston itself. Restaurants here serve a mix of families and workers from the refining, petrochemical, shipping and healthcare sectors that anchor the local economy, which tends to make weekday lunch and weekend family dinner the two pillars of the week.
The Texas Comptroller informs sales tax filers by letter whether they file monthly or quarterly, and the maximum combined state and local rate is 8.25 percent. Keep that money out of your sizing: it is collected from customers and due to the state, not yours to spend.
For illustration only, not our terms: a restaurant that spends $10,000 a week and loses a week of sales to a storm has a hole near $10,000 plus replacement stock, before any cushion.
Restaurants cannot control the weather, but they can control how much cash they hold going into it. A practical approach is to treat the hurricane season as a budgeting period and set aside a modest weekly amount toward a closure reserve. That reserve pays the first bills, and funding is needed only for what it cannot cover.
If a storm does leave a gap, the most useful number is the one in your own accounts, not a rule of thumb.
Funding runs from $25,000 to $5,000,000, funded in as little as 24 hours once the file is complete. The application takes about five minutes with a soft credit pull, and sole proprietors can apply. Compare the amount received, total repaid and repayment start date to the weeks you expect to be short. See the oilfield services and drayage pages, the Pasadena overview, or apply now.
The Atlantic season runs from June 1 to November 30, according to the National Hurricane Center.
A one-time gap from lost sales and restocking can fit working capital. Compare total repayment against the sales you expect to recover.
It is collected from customers and owed to the state, so it is not free cash.
Equipment financing is usually the closest fit for a single asset.
Yes. Sole proprietors can apply, and the application takes about five minutes.
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
