Arlington is the largest Texas city that is not a county seat, and contractors and suppliers here are often paid late. Here is what the law says about it and how funding can help.
Apply Now →Arlington is in Tarrant County, in the Mid-Cities region of the Dallas-Fort Worth-Arlington metropolitan area. The 2020 census counted 394,266 residents, the seventh most populous city in Texas and the largest in the state that is not a county seat. It is the second-largest city in Tarrant County after Fort Worth.
Local business spans restaurants, construction, healthcare, retail and tourism. If part of your work supplies or hauls for field crews, add slow-paying industrial customers to that list.
On private construction projects, Texas law sets a rule for overdue amounts: they accrue interest from the day after the due date at one and a half percent per month. For a non-residential original contractor, the deadline to file a lien affidavit with the county clerk is the fifteenth day of the fourth month after the month the work was completed. Both are published in the Texas Property Code. This is not legal advice, and a lawyer can tell you how it applies to your job.
Knowing the clock helps you decide how long you can wait before you need cash from another source.
| Approach | When it fits |
|---|---|
| Keep chasing the invoice | The customer is reliable and the delay is short |
| Bridge with working capital | Payroll or materials are due before the payment will land |
We do not promise same-day timing. Funding can arrive in as little as 24 hours, and the application takes about five minutes.
Compare a merchant cash advance, a line of credit, equipment financing, a term loan and working capital. Trade pages cover construction, restaurants, healthcare, retail and tourism.
Say an Arlington electrical contractor finished a commercial job worth $60,000, and the customer's payment is overdue by several weeks while the contractor owes $25,000 in payroll and materials this week. The numbers are round and invented, not our terms or a typical result. The contractor knows the Property Code gives rights over late payment, but those rights take time. A short bridge covers the payroll while the process runs.
Working capital does not collect your invoice, and it does not replace a lawyer's advice about a lien. It only covers costs while you wait. Compare the total repaid with the invoice you are waiting on, and ask how repayment behaves if the customer pays later than you expect.
We fund $25,000 to $5,000,000, and sole proprietors can apply. Fort Worth, Mansfield, Grapevine and Euless owners use the same form. Start your application, or see the Tarrant County overview.
We do not promise same-day timing. Funding can arrive in as little as 24 hours.
Texas Property Code section 28.004 sets one and a half percent per month from the day after the due date. Check with a lawyer for your job.
For a non-residential original contractor, the fifteenth day of the fourth month after the month work was completed. This is not legal advice.
No. A lien is a legal step; funding is a way to cover costs while you wait.
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
