Fast Business Funding in the Big Country and Concho Valley

The long-drive problem

In West Central Texas the distances are part of the cost structure. The Concho Valley is a West Texas region named for the Concho River, and our grouping spans 27 counties: Brown, Callahan, Coke, Coleman, Concho, Cottle, Eastland, Fisher, Hamilton, Haskell, Irion, Jones, Kent, King, McCulloch, Menard, Nolan, Runnels, San Saba, Schleicher, Scurry, Shackelford, Sterling, Stonewall, Sutton, Taylor and Tom Green. It is an editorial grouping, not an official state region.

When a part has to be ordered from far away, a crew is waiting, and a customer is expecting delivery, an extra week for financing can turn a repair into a lost job.

What we can say about speed

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 starts with a soft credit pull. We do not promise same-day funding.

Triage: which of these needs speed?

Needs speed

A repair that is idling a crew or closing a counter. A payroll that falls before a late customer pays. A supplier offer that expires this week.

Can wait a little

A planned expansion, a remodel, a purchase you have been thinking about for months. For those, take time to compare options.

Should not be rushed at all

Anything where the amount is bigger than the clearly described need. A fast process is not a reason to borrow more.

An illustration, with invented numbers

For illustration only: a small-town auto repair and towing business has a hydraulic lift fail on a Monday. A new unit and installation would cost roughly $30,000, and every day without it costs the shop jobs. The owner has regular customers who pay promptly, and the lift will pay for itself in revenue within a few months. In that setting, speed has real value, because the lost jobs are not coming back.

Why a day can cost more in a small market

A business in a large city that loses a day can often make some of it back, because there are other customers a few blocks away. A business in a county with a handful of towns usually cannot. The customer who is turned away may drive to the next town, and that customer might not come back. The same goes for crews: a day lost on a rural job is often a day when no other job could have been fit in.

That is not an argument for borrowing quickly. It is an argument for knowing how much a day of downtime costs your particular business, and for making the decision with that number in front of you.

Before you apply, from a small-town business

1. Get the repair quote or the supplier's price in writing.
2. Write down the date by which the money has to arrive.
3. Check what your regular customers owe you and when it is due, because an incoming payment may close part of the gap.
4. Request the amount of the gap, not a round figure above it.

Apply

Start on the apply page. Sole proprietors can apply, and any Texas business can apply from any county.