Allen is a northern Dallas suburb where small businesses compete for the same households. Working capital keeps them paying staff and suppliers while sales catch up.
Apply Now →Allen is a city in Collin County and a northern suburb in the Dallas-Fort Worth metroplex, about twenty miles north of downtown Dallas. Its 2020 population was 104,627. The place is compact enough that most business owners know their competition by name, and busy enough that nobody gets to coast.
This page is about the timing of money, not the size of a business. Two shops of the same size can have opposite cash positions depending on when their bills and customers pay.
Every business has a gap between paying for something and getting paid for it. A restaurant pays for food before diners eat it. A contractor pays for materials before the customer pays the invoice. A retailer pays for stock before it sells. The length of that gap sets how much working capital you need.
| Business | You pay | You get paid |
|---|---|---|
| Restaurant | Food and wages, weekly | Daily, but variable |
| Contractor | Materials and crews, upfront | On completion or on draws |
| Retailer | Stock, before the season | As it sells, over weeks |
There are two ways to deal with the gap. You can shorten it by asking customers to pay faster, collecting deposits or buying stock in smaller batches. Or you can finance it with working capital. Most healthy businesses do both. Shortening costs nothing but goodwill; financing costs money but does not depend on anyone else changing their habits.
For illustration only, a landscaper who collects 25 percent deposits has a smaller gap than one who bills after the job. Even so, a large job can still leave cash short while the crew works. Invented numbers aside, the principle holds: deposits narrow the gap, working capital covers what remains.
Restaurants, contractors and clinics are well represented here, so see restaurants in Allen, construction in Allen and healthcare in Allen. If your need is one defined purchase, read about term loans or equipment financing.
None of these require borrowing, and each makes any borrowing you do more precise. A thirteen-week view in particular tells you which week will be tight long before you reach it.
We fund $25,000 to $5,000,000. The application takes about five minutes with a soft credit pull, sole proprietors can apply, and funding can arrive in as little as 24 hours. See also a business line of credit, a merchant cash advance and fast funding. Plano, Frisco, McKinney, Wylie, Prosper, Murphy, Princeton and Anna owners can apply too, and the page on credit challenges may help if past credit is a worry.
Measure how many days pass between paying for inputs and collecting from customers, then multiply by your daily costs.
They shrink it. Whatever remains is what working capital covers.
Yes.
The application starts with a soft credit pull, and it takes about five minutes.
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
