Starr County sits on the Rio Grande, where trade, family and supply chains regularly cross the border. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →Starr County was created in 1848 and named for James Harper Starr, who served as secretary of the treasury of the Republic of Texas. Rio Grande City is the county seat, and the county forms the Rio Grande City micropolitan area, part of the larger Rio Grande Valley. The 2020 census counted 65,920 residents across about 1,223 square miles. The population is almost entirely Hispanic or Latino, and part of the Lower Rio Grande Valley National Wildlife Refuge lies in the county. The Valley as a whole is generally bilingual in English and Spanish.
A border setting shapes business life in ways that interior counties do not experience. Customers, relatives and suppliers can be on either side of the river, and the rhythm of work often follows both.
A business that buys from suppliers on both sides of the border may face different payment terms, delivery times and paperwork. A delay at one step can hold up the next.
Some owners sell to local households and to buyers who come from farther away. Sales may rise and fall with the calendar, local events and family-driven spending seasons.
Many border-county businesses are family-run, where payroll, rent and personal expenses can overlap. A single missed payment affects the household as well as the business.
| Business | First cost | What slows the return |
|---|---|---|
| Grocery, taqueria or restaurant | Food, supplies and staff | Uneven days, weather |
| Farm or produce supplier | Seed, equipment and labor | Harvest and buyer schedules |
| Auto or truck repair | Parts and tools | Customers who pay after the repair |
| Contractor or builder | Materials and crew | Draw schedules and final payment |
The application is quick and straightforward, and takes about five minutes. We use a soft credit pull, so there is no hard inquiry. You may request $25,000 to $5,000,000, sole proprietors can apply, and funding can arrive in as little as 24 hours. Start your application and describe the business plainly.
The best use of working capital is usually a specific, short-term need with a clear end: restocking before a busy period, repairing a truck, or covering payroll while a receivable clears. Tell us what you are covering and when you expect the money you are waiting on to arrive.
Employers report wages and pay unemployment tax to the Texas Workforce Commission by the last day of the month after each quarter ends, and sales tax filers report on the schedule the Comptroller assigns. These dates do not change because a produce buyer paid late or a customer was out of town. For a family business that mixes household and business money, a firm calendar is one of the best protections against a bad month becoming a bad quarter.
Funding of $25,000 to $5,000,000 is available, and many owners start by asking what the smallest amount is that would solve the specific gap.
The application is short and plain-language. You can describe your business the way you would to a supplier.
Yes. Family-run businesses and sole proprietors can apply.
Yes. The application looks at the business itself.
From $25,000 to $5,000,000.
Describe how your sales and purchases work on the application. The review is about the cash flow of your business.
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
