Texas businesses are built for heat, so a hard freeze can stop work in ways owners did not plan for. Here is how to count the lost days and fund only the restart.
Apply Now →Much of Texas is built and staffed for heat, not ice. Pipes, outdoor equipment, trucks and job sites are not set up for several days of hard cold, and roads and power can be affected at the same moment. The result is a business that cannot open, cannot deliver or cannot let crews work, with the bills still due.
This page describes the general cash-flow shape of a weather shutdown. It does not describe any one storm, and we are not stating dates or damage figures.
| Bucket | Examples | When it hits |
|---|---|---|
| Lost days | No sales, canceled jobs, missed deliveries | During the freeze |
| Damage | Burst lines, spoiled stock, equipment faults | When you re-enter and inspect |
| Catch-up | Overtime, rush orders, rescheduled crews | The weeks after reopening |
People usually plan for the first bucket and are surprised by the third. A business that reopens and then has to pay overtime to catch up can run short a second time.
Check your policy before anything else. Property and business-interruption coverage, deductibles and waiting periods vary widely, and a claim can take time to resolve. Photograph everything before you clean up. Windstorm and hail coverage through TWIA, the not-for-profit insurer for property owners who cannot get it in the regular market, is a different thing from freeze or water damage coverage, so do not assume one answers the other.
Insurance may reimburse part of the loss, but not on your payroll schedule. Funding is for the gap between the loss and the payout, not a replacement for a claim you should still file.
For illustration only: a shop closes for four days and normally clears $3,000 a day, so about $12,000 of sales did not happen. Add $9,000 in repairs and a few thousand in overtime to catch up, and the working number is a bit over $20,000. These figures are invented to show the method, not our terms or typical outcomes.
We fund $25,000 to $5,000,000, funded in as little as 24 hours, with a 5-minute application and a soft credit pull. Sole proprietors can apply. If your restart need is below $25,000, insurance advances, supplier extensions or a landlord conversation may be the quicker route. If it is above, choose an amount you can repay from normal sales without needing another freeze-free year to do it.
No. File the claim. Funding covers the timing gap while the claim is processed and does not change what your policy owes you.
TWIA insures windstorm and hail for property owners who cannot get coverage in the regular market. Freeze or water damage is a separate coverage question. Read your own policy.
Photos and video of damage, a list of spoiled stock with costs, timesheets for lost days, and any notices from landlords or suppliers.
Count overtime, rush supplier orders and rescheduled crews, not just repairs. Catch-up costs are commonly underestimated.
Yes. The application takes about 5 minutes with a soft credit pull.
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
