Pecos is the largest city in Reeves County, on the Pecos River in the Trans-Pecos. Apply in about five minutes; funding can arrive in as little as 24 hours.
Apply Now →Pecos is the largest city and county seat of Reeves County. It sits in the valley on the west bank of the Pecos River at the eastern edge of the Chihuahuan Desert, in the Trans-Pecos region of West Texas, just south of the New Mexico border. The 2020 census counted 12,916 residents in the city and 14,748 in the county, which covers 2,636 square miles. The city is a regional commercial center for ranching, oil and gas production and agriculture, and is best known for its local cantaloupes.
The Permian Basin, covering West Texas and part of far southeast New Mexico, is described as the highest-producing oil field in the United States. A town in that region has businesses that serve crews and operators: equipment and parts, welding, repairs, supply yards, rentals, catering, lodging and local transport. They sell to customers whose own payment practices set the pace.
This page stays with the business side, specifically three recurring pressure points:
Crews are paid weekly. Customer payments arrive on invoice terms.
A unit that is down earns nothing. A repair or replacement cannot wait for the next invoice to clear.
One large customer paying late can hold up many small bills.
| Business | Pays first | Waits for |
|---|---|---|
| Equipment and parts supplier | Distributor invoices, counter staff | Account customers on terms |
| Welding or fabrication shop | Steel, gas, wages | Completed-job invoices |
| Diner, motel or laundry serving crews | Food, supplies, linens, wages | Revenue that follows work activity |
| Farm or ranch supply | Stock bought before the season | Seasonal customer payments |
For illustration only, not our terms or typical results: a small fabrication shop completes work worth $45,000 for a commercial customer on net-thirty terms. It has already spent $20,000 on material and carries $9,000 in weekly payroll. Nothing is wrong with the business. The money is simply owed, not in the account. Owners in this position use working capital to keep payroll and purchasing moving while the receivable is outstanding.
See the notes for oilfield service businesses in Pecos and for local hauling and trucking operators, which describe the cash-flow side only. We do not promise funding for any particular trade, and long-haul trucking in particular has its own realities.
Funding runs from $25,000 to $5,000,000, the application takes about five minutes, and funding can arrive in as little as 24 hours. Sole proprietors can apply. Read about Reeves County and the Permian Basin, or apply now.
The city is best known for its local cantaloupe cultivation, alongside its role as a commercial center for ranching, oil and gas and agriculture.
It is in the Trans-Pecos region of West Texas, in Reeves County, just south of New Mexico.
Wages, fuel and materials are paid on a schedule regardless. A late receivable leaves a gap that working capital can cover.
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
