Potter County is Amarillo and the Panhandle around it. It is the regional market where many outlying towns come to buy, sell and get serviced.
Apply Now →Potter County was created in 1876 and organized in 1887. It is named for Robert Potter, a politician, signer of the Texas Declaration of Independence and Texas Secretary of the Navy. Amarillo is the county seat, and the 2020 census counted 118,525 residents. The county is included in the Amarillo metropolitan area. We list it in the Panhandle and South Plains grouping.
As the largest city in the Panhandle, Amarillo draws customers from a wide area for shopping, dining, medical care and services. Businesses in Potter County therefore serve both city residents and people from smaller towns who come in less often but spend more per visit. That affects how a shop handles stock and staff.
| Business | First cost | Later cash |
|---|---|---|
| Restaurant or catering | Food, labor, equipment | Daily sales and event payments |
| Contractor or repair crew | Materials, wages, vehicles | Invoices after completion |
| Regional supplier or distributor | Inventory, delivery costs | Customer accounts settled later |
Texas employers file quarterly wage reports and pay unemployment tax by the last day of the month after each quarter ends. Sales tax filers learn by letter whether they file monthly or quarterly, and timely filers receive a 0.5% discount. A larger business with more staff and sales will see these obligations grow in size, and they should be part of the cash plan.
Say an Amarillo food-service supplier delivers to restaurants across the region, billing $60,000 a month with customers paying in about 30 to 45 days. It is carrying roughly $60,000 of receivables on average. These are round numbers that show timing and are not our terms or a typical result. If the owner wants to add a second delivery truck and driver, wages and fuel arrive before extra sales are collected.
When customers concentrate on a few days, a business hires and schedules for those days. A restaurant staffs up for Friday and Saturday; a supply house for the first of the month. The labor is paid whether the day is busy or not, and a weather event or a slow week leaves the payroll in place. Owners often say that the toughest part of running a regional hub is not the busy day but the three slower days around it.
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. Amarillo is the county seat of Potter County, and the county is part of the Amarillo metropolitan area.
Yes. Amarillo straddles Potter and Randall counties, and both are in the Amarillo metropolitan statistical area.
Yes. Many Amarillo businesses serve customers across the Panhandle. Your business bank statements show deposits wherever the customer is.
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
