Pecos County is West Texas at its widest. Service businesses here carry crews, trucks and long payment waits.
Apply Now →Pecos County was created in 1871 and organized in 1875, and it is named for the Pecos River. Fort Stockton is the county seat, and the 2020 census counted 15,193 residents. It is one of the nine counties that comprise the Trans-Pecos region of West Texas. We list it in our Permian Basin grouping. The Permian Basin covers West Texas and the far southeast of New Mexico and is the highest-producing oil field in the United States.
This page is about the business side. A local hauler, welding or fabrication shop, equipment-rental yard, restaurant or lodging business serving crews all share three recurring money problems.
| Problem | What it looks like | What to size the request to |
|---|---|---|
| Payroll gap | Crew paid before customer pays | Weeks of payroll |
| Equipment failure | Truck or trailer down, work stalled | Replacement price less what you can pay |
| Slow receivables | Average balance owed to you stays high | The average unpaid balance |
Pecos County is large, and the distance between towns and sites is long. Fuel, tires, maintenance and driver time add up on every job. A failure far from town costs more than the part, because the truck and the crew sit idle while help arrives. Owners often keep spare parts and tools on hand for that reason, which ties up cash in inventory.
Say a Fort Stockton fabrication and repair shop services equipment for several local customers who pay about 60 days after invoice. It bills $40,000 a month. At any time it is carrying roughly two months of work: about $80,000 in receivables. These are round numbers that show timing and are not our terms or a typical result. If the owner wants to add a second service truck and a technician, the added payroll comes due long before the first extra invoice is paid.
Not every business in the county works on equipment. Restaurants, motels, convenience stores, supply houses and parts counters in towns like Fort Stockton serve crews, travelers and residents on a rhythm set by work schedules and highway traffic. Their problem is the mirror image of the service firm: customers pay at once, but sales vary from day to day. Fixed costs such as rent, utilities and staff do not vary, so an owner needs a reserve to ride out the slow weeks.
Track each customer's actual days-to-pay in a notebook or spreadsheet. After a quarter you will know which accounts are reliable and which are stretching, and you can size any request to the real gap rather than a guess.
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. Fort Stockton is the county seat of Pecos County.
No. Pecos County is named for the Pecos River, and its county seat is Fort Stockton.
Yes. Service firms, haulers and fabrication shops can apply. We describe funding in terms of payroll, equipment and receivables.
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
