Growth keeps contractors busy, and busy contractors run out of cash first. Pearland’s curve is a good example of why.
Apply Now →Pearland is a city in Brazoria County, with portions extending into Fort Bend and Harris Counties, and a principal city of the Houston-Pasadena-The Woodlands metropolitan area. It had 125,828 residents at the 2020 census, up from 91,252 in 2010. Wikipedia notes that its 2000-to-2010 growth rate ranked among the fastest in the country for cities of its size, and describes West Pearland as heavily suburban, with many master-planned communities. Steady development means steady demand for contractors, subcontractors and trades. It also means a contractor who says yes to more work adds crews, materials and equipment before each new job pays. More work is not the same as more cash.
| Stage | Work | Cash position |
|---|---|---|
| One crew, steady jobs | Manageable | Draws roughly keep up with payroll |
| Two crews, overlapping jobs | Busier | Payroll doubles before the second job’s first draw |
| Three crews, bigger jobs | Full | Largest gap; any slip hits hard |
The usual mistake is to size the business for the work and not the cash needed to carry it.
The Atlantic hurricane season runs from June 1 to November 30. For a Gulf Coast region contractor, weather can slow site work, delay deliveries and push completion dates. Pearland’s own history includes the 1900 and 1915 Galveston hurricanes, which Wikipedia says destroyed most of the city’s fruit trees and slowed growth for a long period. A late finish pushes the final payment later while payroll continues.
Texas Property Code 28.004 sets interest on overdue amounts at 1-1/2 percent per month from the day after the due date. Property Code 53.052 sets the lien-affidavit deadline for a non-residential original contractor at the 15th day of the fourth month after the month work was completed. Those are remedies, not cash, and this page is not legal advice.
For illustration only, not our terms: two crews costing $24,000 a week combined, with the first draw on a new job six weeks out, carry about $144,000 before materials. Size the request to that peak and a cushion, not to contract values.
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 your draw schedule. See the Pearland overview, restaurants, healthcare, or apply now.
Each added crew and job adds payroll and materials before its first draw is paid.
It can delay work and completion dates, which pushes final payment later while payroll continues. The season runs June 1 to November 30.
For a one-time expansion rather than a recurring payroll gap. Compare total repayment.
No. It is a legal filing with the county clerk. Confirm details with an attorney.
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
