Terry County runs on two seasons at once: the crop calendar on the South Plains and the work around the northern edge of the Permian Basin. Apply in five minutes.
Apply Now →Terry County was marked off in 1876 and organized in 1904, and Brownfield is the county seat. It is named for Benjamin Franklin Terry, who led Terry's Texas Rangers. The 2020 census counted 11,831 residents across about 890 square miles. Early settlers were ranchers; by 1910 the county had 235 farms, with corn the leading crop. Cotton later became important, and the county has been noted as one of the most productive pumpkin-producing counties in the nation. It lies in the oil-rich north Permian Basin, where oil was discovered in 1940.
| Season | Farm and ag-supply cash needs | Oilfield-support cash needs |
|---|---|---|
| Late winter and spring | Seed, fertilizer, equipment servicing | Steady crew payroll, parts |
| Summer | Fuel, labor, irrigation costs | Equipment maintenance, insurance |
| Fall | Harvest labor and hauling, before sales are paid | Same payroll while invoices wait |
| Winter | Off-season repairs, loan and lease payments | Year-end tax and wage-report deadlines |
For the energy side of the economy, think about the support businesses, not the production itself: welding, hauling, equipment repair, parts, yards and small crews. The cash-flow questions are payroll, equipment and receivables. A broken pump truck, a late invoice and a payroll date do not care what the crop price is.
Owners who work both sides, farming part of the year and doing contract work for energy companies, have an unusual advantage: their income arrives at different times. They also have a challenge, because costs from both worlds can land at once.
For illustration only, picture a shop that does equipment work for farms in the fall and energy-support jobs year round. In October it may be paying seasonal help, fuel and parts for harvest-related work while an energy customer's invoice from September is still in the queue. Neither side is slow in a way that signals a weak business. The issue is simply that both sets of bills arrive at the same moment.
Suppose, for illustration only, that a small hauling-and-repair business has three seasonal workers in the fall, a fuel bill that has doubled with harvest traffic, and a month-old invoice from a regular customer. None of these facts says anything bad about the business. They are simply the normal pattern of a place where several kinds of work overlap. A short-term injection of working capital helps the owner avoid delaying a repair or letting a helper go during the busiest weeks of the year.
You can request $25,000 to $5,000,000 with a five-minute application. The credit pull is soft, sole proprietors can apply, and funding can arrive in as little as 24 hours. Apply here.
Yes. Seasonal businesses can describe their calendar on the application.
Support businesses with payroll, equipment and receivable needs can apply.
The county has been noted as one of the most productive pumpkin-producing counties in the United States.
Equipment repair is a typical operating use.
Yes.
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
