A county-seat business can lose a week to a late payment and a broken machine at the same time. Apply in five minutes.
Apply Now →This is a made-up example. A small-engine and equipment repair shop in a county seat in East Texas has been busy all month. On a Tuesday, its main diagnostic and parts-cleaning equipment fails. On the same day, a larger customer who owes the shop a few thousand dollars says the check will be a couple of weeks late. Payroll is Friday. The supplier wants cash on delivery for a replacement.
Nothing in that story is unusual. Neither problem alone would sink the shop. Together they leave the owner choosing between paying people and fixing the equipment.
East Texas is a broadly defined region of approximately 38 counties in the eastern part of the state, roughly divided into Northeast, Southeast and Deep East Texas. Most of it lies in the Piney Woods ecoregion, and toward Central Texas the forests thin into sparser trees and eventually open plains. Our editorial grouping includes Anderson, Angelina, Bowie, Camp, Cass, Cherokee, Franklin, Gregg, Harrison, Henderson, Hopkins, Houston, Marion, Morris, Nacogdoches, Panola, Rains, Rusk, Sabine, San Augustine, Shelby, Smith, Titus, Trinity, Upshur and Wood counties. It is based on public regional definitions and is not an official state region.
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.
Answering those before applying will make the amount and the purpose clear, and a clear request is a better request.
The owner in that example has two problems that arrived at once, and neither is a sign of a bad business. A fixed date (payroll), an unexpected cost (the equipment) and a slow payment (the customer) landed in the same week. In small-county economies, this pile-up is common because there is little slack: there are fewer customers, fewer suppliers, and often fewer banks within easy reach.
Speed in this setting is not about being impatient. It is about getting the money in the account on the day it needs to be there, so a short, temporary problem does not turn into a permanent one.
| Item in the story | Illustrative amount | Include it? |
|---|---|---|
| Replacement equipment | $30,000 | Yes, if the repair is not viable |
| Friday payroll gap | $8,000 | Yes, if the late check will not arrive in time |
| A larger inventory order that would be nice | $20,000 | No, it is not part of the gap |
The amounts are invented, and the point is the habit: include what the gap requires, and leave out what is merely nice to have.
Use the apply page. Sole proprietors can apply, and any Texas business can apply.
We say funding can arrive in as little as 24 hours. We do not promise a same-day timeline.
Any Texas business can apply.
$25,000 to $5,000,000.
A soft credit pull.
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
