A feed store carries heavy inventory for customers who pay on their own seasons. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →A rural feed and supply store is a stocking business. Feed, seed, fencing, mineral blocks, tack, trailer parts, animal health products and tools all sit on shelves and in the yard until a customer needs them. Orders to suppliers are placed in volume, delivery trucks need to be unloaded, and the cost of the stock is due long before it has all been sold. The Small Business Administration reports that Texas has 3.5 million small businesses, 99.8 percent of the state's businesses, and a store like this is the kind of local firm a farm or ranch relies on.
Bulk feed and seed turn over at different speeds. Some lines sell steadily, while others sit until a season arrives. Cash used on slow stock is cash that cannot pay for what customers want this week.
Many ag suppliers extend credit to regular customers who pay when a calf crop is sold or a harvest is in. That is a service the customer values, and it also means the store carries receivables for weeks or months while its own suppliers want payment on normal terms.
A forklift, a loading dock, a delivery truck, a feed mixer, a refrigerated case for vaccines: each is an equipment cost that arrives without warning and cannot be put off for long.
| Item | Illustrative cost | When the money comes back |
|---|---|---|
| Spring seed and fertilizer order | $22,000 | Over the weeks planting happens |
| Fencing and hardware ahead of demand | $9,000 | Across the next few months |
| Extended account balances for regulars | $14,000 outstanding | When customers sell cattle or crops |
| Delivery truck repair | $6,500 | Not recovered directly; keeps deliveries running |
These are round numbers for explanation only, not our terms, rates or typical results. The point is that $51,500 can be out the door before the full season's sales have been rung up.
A farm-and-ranch customer base does not buy on a schedule the store controls. A dry spell can raise feed demand while cutting what customers can pay. A good sale at the auction barn can bring a rush of purchases and settled balances the following week. A store that sees these swings can build a cash reserve in good stretches, but a reserve is slow to build, and a supplier price increase can arrive before it is ready.
For that reason, many owners think of working capital as a shock absorber. It lets the store keep shelves full and accounts open without choosing between suppliers and payroll when a payment is late.
Funding runs from $25,000 to $5,000,000. The application takes about five minutes and uses a soft credit pull. Sole proprietors and family-owned stores can apply.
Yes. Buying inventory ahead of a season is a common use of working capital. Describe the purchase on your application.
It is a normal reason for working-capital needs. Receivables that pay when a crop or herd is sold create a timing gap that funding can cover.
No. Any business operating in Texas can apply, whatever the population of the town.
Yes. Sole proprietors can apply.
In as little as 24 hours after approval.
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
