Cotton and grain farms spend the money first and earn it back at harvest. Working capital bridges the months in between. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →Row-crop farming has a built-in timing problem. Seed, fertilizer, chemicals, fuel and labor are paid for in the months before the crop exists. Revenue arrives once the crop is harvested, ginned or delivered to an elevator, and sometimes later than that if the grower holds grain for a better price. Meanwhile the equipment payments, insurance and family expenses do not wait.
Texas farms of this kind are spread across very different ground, from the High Plains to the Gulf Coast and the Blacklands, and the calendar differs by region. The pattern does not: a long stretch of spending, a short stretch of income.
Seed, fertilizer and soil-prep passes all land at once. This is usually the first big draw on cash, and it comes while last year's income may already be spent.
Fuel, crop-protection chemicals, irrigation power or pumping costs, and hired help are steady monthly costs. A repair on a sprayer or tractor during a narrow window can cost more in lost days than in parts.
Harvest has its own costs: custom hauling, drying, extra drivers, fuel and repairs on machines running long days. Cash goes out hard before it comes back in.
Payment arrives, loans or advances are covered and the cycle begins again. A grower who started the year short may still be catching up when the next planting bills arrive.
A planter, combine, cotton stripper or grain cart is expensive, and downtime during the one window that matters is more expensive. Many growers keep older machines running and replace them in stages. Working capital can help when a breakdown forces an unplanned purchase, when a used machine comes up at a fair price, or when an operator wants to add capacity without waiting for the next harvest check.
For illustration only, with no relation to our terms: a grower with an old stripper faces a repair that will take it out of the field for a week. A replacement part and a rented machine for a few days is a cost the grower can plan around. Losing the week is not.
The application takes about five minutes and uses a soft credit pull. It is a business working-capital product for the amounts we state, $25,000 to $5,000,000, not a farm-specific program, so describe how your operation actually runs.
Working capital is meant to cover the months between spending and selling. The application asks about your business, and funding can arrive in as little as 24 hours once you apply.
It is a general business working-capital product, with funding from $25,000 to $5,000,000. Cotton and grain operations apply the same way any other Texas business does.
Yes. Sole proprietors can apply, which matters for family farms that never formed an entity.
Equipment repair or replacement is a normal use of working capital. You state the intended use on the application.
The application is about your business as a whole, and cash flow differs. Irrigated operations carry pumping and power costs through the season, and you can describe those when you apply.
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
