Surfside Beach is a small Gulf Coast town on Follet's Island near Freeport, where the weather decides when businesses open, close and get paid. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →Surfside Beach, also known locally as Surfside, is a town in Brazoria County on Follet's Island by the Gulf of Mexico, near the city of Freeport. It had 640 residents at the 2020 census. The town has claimed the title "Cradle of Texas Liberty" because the Treaty of Velasco, which ended hostilities between Texas and Mexico, was signed at Fort Velasco, which was located near the city's current City Hall. Brazoria County, with Angleton as its seat, had 372,031 residents in 2020.
A population this small means that local residents alone cannot support many businesses. A shop, rental operator, restaurant or service firm here is usually drawing on people from outside, from nearby cities such as Freeport, Lake Jackson, Clute, Angleton, Alvin and Pearland, and from beyond. The customers come when conditions invite them, and they do not when they do not.
That has real financial consequences. Revenue is concentrated, and fixed costs, including rent, insurance and maintenance, are not.
| Stage | What the business pays for |
|---|---|
| Before: a watch or warning | Securing property, moving equipment, boarding up |
| During: closure | Rent, insurance, wages for staff who are not working |
| After: cleanup | Repairs, debris removal, replacement stock |
| Later: recovery | Slower customer traffic while the area rebuilds |
The Atlantic hurricane season runs June 1 to November 30. TWIA, a not-for-profit insurer of windstorm and hail coverage for property owners who cannot get it in the regular market, is one source of coverage on the Texas coast. Insurance helps with the loss; it does not make the bills wait.
Think in weeks, not days, and count wages, rent and insurance for each.
Staff, landlord and suppliers all have a claim. Decide the order before you need to.
Replacement stock and repairs are rarely covered in full on the day of the loss.
Owners in very small coastal towns often say that every business has three lives: the busy season, the slow season and the aftermath of a storm. Plan for each separately. In the busy season, the question is whether you are stocked and staffed to capture demand. In the slow season, it is whether fixed costs can be carried. After a storm, it is how fast you can reopen. A single funding decision rarely addresses all three, but a clear view of which one you are solving for makes the amount, the timing and the use easier to choose. Owners who write down the answer before they apply tend to request the right amount.
A hypothetical Surfside Beach beach-rental and bait shop spends $18,000 on repairs and restocking after a closure while still owing a month of wages to three employees. Round numbers, used to show how timing hurts cash even in a healthy business. They are not terms we offer.
The application takes five minutes with a soft credit pull. We consider $25,000 to $5,000,000, and sole proprietors can apply. Funding can arrive in as little as 24 hours. Browse the Brazoria County and Greater Houston pages, or start now.
The Treaty of Velasco, which ended hostilities between Texas and Mexico, signed at Fort Velasco near the current City Hall.
On Follet's Island in Brazoria County, near Freeport.
June 1.
Yes, sole proprietors can apply.
About five minutes.
No. It is the same five-minute online application used across Texas, with a soft credit pull and amounts from $25,000 to $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
