Texas working capital is short-term funding that covers the everyday operational costs of running a Texas business — payroll, inventory, rent, vendor payments, utilities, and the seasonal cash flow gaps every Texas operator deals with. Unlike equipment financing, which is tied to specific purchases, working capital is flexible. You decide where it goes — whether that's stocking inventory before winter Texan season hits, covering payroll during a slow August, or repairing hurricane damage so you can reopen quickly.
If your Texas business is generating at least $10,000 in monthly revenue and has been open at least 6 months, you qualify. Our working capital starts at $25,000 and goes up to $5,000,000 based on your monthly bank deposits. Most Texas businesses receive funding within 24 hours of approval. Texas's no-state-income-tax environment means more of every dollar of working capital stays in your business.
Why Texas Businesses Need Specialized Working Capital
Texas operates differently than the rest of the country. Summer heat, Gulf Coast storm season from June through November, energy-price cycles, school-year swings and major event calendars all move revenue up and down. Construction booms come and go with population growth. Your monthly cash needs reflect these realities, and working capital structures need to match.
We underwrite based on Texas-specific cash flow patterns. We understand that a Corpus Christi restaurant may do far more in peak summer beach season than in January — and we structure repayments to handle that variation. We understand that a Houston contractor's revenue may pause for two weeks after a major storm and then surge for months on rebuild work. Bank underwriters out of state can't model that.
How Much Texas Working Capital Can You Qualify For
- $10,000 - $25,000 monthly revenue — qualifies for $25,000 to $50,000
- $25,000 - $50,000 monthly revenue — qualifies for $50,000 to $125,000
- $50,000 - $100,000 monthly revenue — qualifies for $125,000 to $250,000
- $100,000 - $250,000 monthly revenue — qualifies for $250,000 to $500,000
- $250,000+ monthly revenue — qualifies for $500,000 to $1,000,000+
Texas Working Capital vs SBA and TexasCommerce Programs
Texas and the SBA offer several lending programs (SBA 7(a), SBA Express, SBA 504, and state and local small-business programs). These programs offer favorable rates but come with significant constraints: strict qualification requirements, lengthy application processes (60-120 days), substantial documentation, and program eligibility limitations. SBA Disaster Loans for storm recovery have improved but still take weeks to fund.
Private working capital like ours complements rather than competes with state and federal programs. We're faster (24 hours vs 60-120 days), accept lower credit scores (500+ vs 680+), require less documentation (bank statements only vs full financial packages), and have no program-eligibility restrictions. The cost is higher, but for time-sensitive needs — storm recovery, seasonal inventory buys, vendor early-pay discounts, urgent equipment failures — we're the right answer.
Application Process for Texas Working Capital
- Apply online — Tell us about your Texas business, upload 3 months of bank statements. Soft credit pull only.
- Same-day decision — Underwriters review within hours and respond with your offer including amount, terms, and total cost.
- Sign and fund — Review and sign electronically. ACH transfer initiated within hours. Funds typically hit your account within 24 hours.
- Repayment — Small automatic daily or weekly ACH withdrawals begin a few days after funding, sized to fit your seasonal cash flow.
What to Prepare Before You Apply for Texas Working Capital
Start with three facts: how much cash your Texas business needs, the date it is needed, and the deposits already on the way. A recurring inventory gap and a one-time operating shortfall are different decisions, and a Texas address alone does not decide eligibility. Have these ready before you apply:
- Legal entity name exactly as it appears on your business bank account.
- Operating location where the business actually runs, plus the state where the entity was formed if different.
- Recent business bank statements showing your deposits as they land.
- The deadline the money is for: payroll date, supplier due date, or job start.
- Existing obligations: every current loan, advance or lease payment, with its amount and schedule.
A cash-gap example (for illustration only)
These numbers are made up to show the method; they are not Texas averages and not our terms. A Houston-area supplier has $60,000 of deposits expected over the next 30 days, but a $45,000 inventory order and $22,000 of payroll both fall in the first two weeks, with $9,000 already owed on an existing payment. The first two weeks need $76,000 against roughly $30,000 of deposits landing in that window, so the gap is about $46,000 for about two weeks. Compare a line of credit draw for that amount with a lump-sum advance on net cash received, total cost and whether the new payment fits the calendar after your existing $9,000. If the gap repeats every month, a credit line usually fits better than repeated lump sums.
Industries We Fund in Texas
Tourism and hospitality (hotels, vacation rentals, restaurants, attractions), construction and contractors (residential, commercial, hurricane recovery), healthcare (medical practices, dental, urgent care, home health), retail and e-commerce, transportation and logistics, energy and oilfield services, real estate services, professional services (legal, accounting, consulting), beauty and wellness, automotive, and the full breadth of Texas's diverse business economy.
