Houston's businesses supply the energy, port and medical economies, and their invoices are as big as the city. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →Houston is the most populous city in Texas and the fourth-most populous in the United States, with 2.3 million residents at the 2020 census. The Greater Houston metropolitan area, at 7.8 million residents, is the fifth-most populous in the nation. Located in Southeast Texas near Galveston Bay and the Gulf of Mexico, it is the county seat of Harris County and covers 640.4 square miles. Pasadena, Baytown, La Porte, Deer Park, Katy, Bellaire, Humble and South Houston are all part of the surrounding map.
If you sell to field crews with equipment, supplies, hauling or service, you pay for labor, fuel and parts before your customers pay. See oilfield services in Houston.
Drivers, fuel and chassis costs run daily while payment follows delivery and paperwork. See port drayage and logistics.
Staff, rent and equipment are paid on time while insurer payments run on weeks. See medical practices in Houston.
Restoration companies buy materials and pay crews before insurers or owners pay. See storm recovery.
Houston's size creates large customers, and large customers tend to pay on large-company schedules. A small supplier selling to a big operator or a hospital system may wait through approval cycles that have nothing to do with the quality of the work. Meanwhile the supplier's own costs are small-company costs: weekly payroll, fuel, rent and parts. For illustration only, a hauling company with $25,000 in weekly fuel and driver pay and a customer that pays in 60 days is carrying about eight weeks of costs. That is how a business with strong demand can feel starved of cash. A working-capital request is simply a way to carry that float without slowing the work.
The Atlantic hurricane season runs June 1 to November 30. A Houston business near the coast or on a bayou has to think about it in advance. The Texas Windstorm Insurance Association is a not-for-profit insurer of windstorm and hail coverage for property owners who cannot get it in the regular market. Whatever the policy, a claim is a process, and payroll is not.
| Question | Answer |
|---|---|
| How long to apply? | About five minutes, soft credit pull |
| How soon is funding? | As little as 24 hours |
| How much? | $25,000 to $5,000,000 |
| Can sole proprietors apply? | Yes |
Compare working capital, equipment financing, lines of credit, term loans and merchant cash advances. Area pages: Harris County and Greater Houston.
Funding can arrive in as little as 24 hours after you apply. Same-day delivery is not promised. The application takes about five minutes and uses a soft credit pull, so most of the time is decision, not paperwork.
Yes. Businesses that serve field crews apply the same way as any other business. Long customer payment cycles are a common reason owners in this line of work seek funding.
It affects your costs and revenue timing, not the application itself. When a system forms in the Gulf, apply early rather than waiting for landfall; the 24-hour window is not a promise of same-day delivery.
No, the application uses a soft pull.
$5,000,000.
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
