Tomball is a Harris County city in the Houston area with field-service, equipment and supply businesses. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →Tomball is a city in Harris County and part of the Houston metropolitan area. In 1907 the community of Peck was renamed Tomball for local congressman Thomas Henry Ball, who had a major role in the development of the Port of Houston. The population was 12,341 at the 2020 census, in a county of 4,731,145 residents with Houston as the seat. Houston, Pasadena, Baytown, La Porte, Deer Park, Katy, Bellaire and Humble are among the places nearby.
In the meantime, the owner has paid two or three payrolls, a fuel bill, an insurance premium and a parts account. Multiply that by several jobs a month and the business is financing its customers.
| Pressure point | What goes wrong | What helps |
|---|---|---|
| Payroll | Wages are due before the customer pays | A payroll reserve of several weeks |
| Equipment | A truck or tool fails during a busy stretch | Cash for a fast repair or replacement |
| Receivables | One large account runs late | A bridge sized to the typical delay |
Equipment dealers, repair and welding shops, motels, restaurants and shops that serve crews share the cycle. When field work is busy, so are they, and when it slows, their receipts fall at once. They carry fixed costs year-round, such as rent, staff and equipment, so a slow month feels the same to a lunch counter as it does to a hauler.
A bad week in a field-service business usually has one of three causes: a major customer paying late, a vehicle or machine failing, or a job that took longer than quoted. Each of them changes the same equation, which is cash in minus cash out. When two of them happen in the same week, the account can go from comfortable to short in days. Owners who keep a running list of what is owed to them, what they owe and what is likely to break next are better positioned to decide when to bridge a gap and for how long.
A hypothetical Tomball equipment-rental company has $36,000 outstanding on net-60 terms and a generator that fails, with a $11,000 replacement cost. Wages for six are due on Friday. These invented, round numbers show the timing, not terms we offer or typical outcomes.
The application takes five minutes with a soft credit pull. We consider $25,000 to $5,000,000, and sole proprietors can apply. Funding can arrive in as little as 24 hours. Read about Harris County and Greater Houston, or apply.
It was renamed in 1907 for congressman Thomas Henry Ball, who had a major role in the development of the Port of Houston.
No. Equipment, supply, restaurant, lodging and trade businesses can apply.
Yes, sole proprietors can apply.
Cash set aside to cover wages for several weeks while receivables clear.
In as little as 24 hours.
About five minutes, using a soft credit pull, with amounts from $25,000 to $5,000,000.
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
