San Patricio County is on the Gulf, and its owners plan around storm season as much as around payroll. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →San Patricio County is near the lower Texas Gulf Coast and is part of the Corpus Christi metropolitan area. In 1828, about 200 Irish Catholic families were recruited to settle here under a contract with the Mexican government. Spanish for Saint Patrick, the name honors the colonists' home-country patron saint. Sinton is the county seat today. The county had 68,755 residents at the 2020 census and covers roughly 692 square miles, with the Gulf of Mexico along its eastern edge. Early on, the economy was based on cattle, and later on vegetables and cotton. The Port of Corpus Christi is listed in connection with the county.
The Atlantic hurricane season runs from June 1 to November 30. For a coastal business owner, that is nearly half the year of watching forecasts. Inventory may need to be moved, a boat or truck secured, a shop shuttered for a few days, and income stops even though rent and payroll continue.
The Texas Windstorm Insurance Association, or TWIA, is a not-for-profit insurer that offers windstorm and hail coverage for property owners who cannot get it in the regular market. Owners who rely on that coverage know that deductibles and claim timelines can leave a gap between damage and repair.
| Window | What to think about | Cash question |
|---|---|---|
| Before June 1 | Review coverage, repair roofs, restock supplies | Do you have cash set aside for deductibles and prep? |
| June to November | Watch forecasts, protect inventory and equipment | Can payroll continue if the shop is closed for several days? |
| After a storm | Assess damage, file claims, resume work | How will you cover repairs while waiting on a claim? |
| December onward | Rebuild stock, catch up on deferred work | Is there room to restock without squeezing payroll? |
Not every cash gap comes from weather. A tire shop, restaurant, dock-side supplier or small contractor in Sinton or elsewhere in the county faces the same common problems as anywhere: a slow account, an unplanned repair, or a supplier who wants payment sooner. Because the county is part of a port-oriented metro area, some owners have customers whose payments follow industrial schedules rather than a small-business calendar.
The application takes about five minutes and uses a soft credit pull. You may request $25,000 to $5,000,000. Sole proprietors can apply, and funding can arrive in as little as 24 hours. Start the application.
Yes. Many owners prefer to line up working capital before the season starts, so they are not applying under pressure.
No. Insurance and working capital do different jobs. Working capital helps with operating costs; it does not replace coverage.
June 1 to November 30, according to the National Hurricane Center.
A not-for-profit insurer of windstorm and hail coverage for property owners who cannot get it in the regular market.
Yes. Sole proprietors can apply.
In as little as 24 hours once approved.
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
