Randall County sits beside Potter County in the Amarillo metro, with Canyon as its seat and ranch history behind it.
Apply Now →Randall County was created in 1876 and later organized in 1889. It is named for Horace Randal, a Confederate brigadier general killed at the Battle of Jenkins Ferry. The name differs from his because the bill creating the county misspelled it. Canyon is the county seat, and the 2020 census counted 140,753 residents. Alongside adjacent Potter County, it is part of the Amarillo metropolitan statistical area. At one time the large JA Ranch, founded by Charles Goodnight and John George Adair, held acreage in the county. We list it in the Panhandle and South Plains grouping.
Randall County combines a historical ranching identity with the growth of a metro area. Contractors build and maintain homes and commercial space. Equipment, vehicle and supply businesses serve ranch customers and city customers alike. Restaurants, shops and professional offices serve a growing population.
The mix means that a business can have customers with very different payment habits: a rancher who pays after a sale of cattle, a homeowner who pays at completion, a business that pays on thirty-day terms.
| Customer | Usual timing | Planning note |
|---|---|---|
| Ranch or farm account | After a sale or season | Plan for a long wait |
| Homeowner | At completion or in draws | Cash can arrive quickly |
| Commercial customer | On set terms, often 30 days or more | Invoice promptly and track |
On property-improvement contracts, overdue amounts accrue interest from the day after they are due at 1-1/2 percent per month. A non-residential original contractor can file a lien affidavit with the county clerk by the 15th day of the fourth month after the month work was completed. This is not legal advice. It shows how long contractors may wait, and why they carry costs for months.
Say a Canyon contractor takes on a commercial remodel with $40,000 of materials and a crew of four for six weeks. The customer pays 30 days after completion. These numbers show timing only and are not our terms or a typical result. The contractor pays materials and wages for about ten weeks before the first dollar arrives. If the contract is signed, working capital may bridge that gap.
Ranch and farm customers often settle after a sale, a harvest or a season. A supplier who extends credit can keep a long relationship, but it carries a lot of money for months. Owners with many such accounts often keep a short list of the largest balances and the date each is expected, so that a payment slipping by a few weeks does not surprise the payroll.
A request that matches a single, specific gap is easier to evaluate and easier to explain. Rather than asking for a round number, add up the actual cost of the machine, the materials, the wages and the waiting time, and subtract what the business can cover itself.
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. Canyon is the county seat of Randall County.
The bill creating the county misspelled Horace Randal's name.
Yes. Any operating business can apply, including those whose customers pay after a sale or season.
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
