Webb County is built around the Laredo border crossing, where goods move on one schedule and payment arrives on another. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →Webb County had 267,114 residents at the 2020 census, and its county seat and largest city is Laredo. By area it is the largest county in South Texas, and it is the only county in the United States that borders three foreign states or provinces: Coahuila, Nuevo León and Tamaulipas. Laredo is the largest inland port on the Mexican border, with an economy driven by trade and by land, rail and air cargo.
That geography shapes what small businesses here look like. Some sit directly in the cargo chain: warehouses, customs paperwork, repair shops for equipment, suppliers to the people who run the freight. Others live off the people the trade supports: restaurants, retailers, clinics, cleaners, contractors. Both groups share one problem. Their costs are fixed and weekly, while a customer's payment can sit behind a shipment, an inspection or a thirty-day invoice term.
| Type of business | The gap | What working capital can cover |
|---|---|---|
| Warehouse or logistics support | Rent, forklift upkeep and crew pay come due before the customer pays the invoice | Payroll across a slow-paying account, equipment repair, extra dock labor |
| Retail and restaurants | Stock and food are paid for up front; sales follow the weekend and the school calendar | Inventory ahead of a busy stretch, a second register, a kitchen repair |
| Contractors and trades | Materials and crew are paid before the job is billed or the general contractor pays | Materials, payroll between draws, a replacement truck or tool |
| Clinics and service offices | Staff and lease are fixed; reimbursement trails the visit | Payroll float, a build-out, new equipment |
We do not describe long-haul trucking as a funded category on this page. If your business supports the freight cycle in another way, the same cash-flow questions apply, and the application is where the specifics get reviewed.
For illustration only: a Laredo equipment-repair shop bills a logistics customer $40,000 on thirty-day terms. In the same thirty days it pays $18,000 in wages, $6,000 in parts and $5,000 in rent and utilities. The work was done and the money is owed, but the shop is $29,000 out of pocket until the invoice clears. If a second job lands in the same week, it may have to turn the job down, or buy parts on a card it does not want to carry.
Working capital is meant for exactly that bridge. The point is not to fund a loss. It is to keep a sound, busy business from stalling because someone else's payment is slow. These numbers are round examples, not Texas Biz Funding terms or typical results.
The application takes about five minutes and uses a soft credit pull, so applying does not add a hard inquiry to your report.
No separate program. The same funding applies statewide: $25,000 to $5,000,000, with funding in as little as 24 hours once approved. What changes by county is the business, and the application asks about yours.
Yes, if it is a business operating in Texas. A cross-border customer base is common in Laredo, and the review looks at how your business account is performing, not where your customers are.
Yes. Sole proprietors can apply. Describe how the funds would be used and the application takes about five minutes.
The application uses a soft credit pull, which is not a hard inquiry.
That is a classic use of working capital: covering payroll and rent across a gap between finished work and payment. Say so on the application.
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
