Corpus Christi is a Gulf port city on a bay. Port, marine and coastal businesses live with hurricane-season swings in cash flow.
Apply Now →Corpus Christi is the county seat and largest city of Nueces County in South Texas, with portions extending into Aransas, Kleberg and San Patricio counties. The 2020 census counted 317,863 residents. It is 130 miles southeast of San Antonio and 208 miles southwest of Houston, and its political boundaries include Nueces Bay and Corpus Christi Bay. Robstown, Aransas Pass and Port Aransas are nearby.
Water shapes the economy. Ships, boats, fishing and tourism all depend on the bay, and so do the businesses that service them.
Trucks that move cargo to and from the port are paid after delivery, but fuel, drivers and repairs are due now. If a customer is slow, the cash gap lands on the carrier. See port drayage and logistics in Corpus Christi.
Boat repair, storage and supply shops carry parts inventory and skilled labor. Their busiest stretches follow the boating calendar, and a storm can interrupt it entirely. See marine and boat services.
Companies serving oil and gas operations buy equipment and pay crews before they are paid for the work. The gap is longer when a large customer pays on extended terms. See oilfield services in Corpus Christi.
The Atlantic hurricane season runs from June 1 to November 30. For restoration firms, a storm means a surge in work and a surge in costs, with payment from insurers or owners arriving later. TWIA, the Texas Windstorm Insurance Association, is a not-for-profit insurer of windstorm and hail coverage for property owners who cannot get it in the regular market, and how quickly such claims move affects how quickly restoration firms are paid. See storm recovery and restoration.
As an example with invented numbers, a shop with $25,000 in monthly fixed costs would budget about $12,500 for two weeks, plus repairs. These figures are illustrative and are not our terms.
If you run a business on the coast, the useful order of questions is this: what is the largest cost I cannot avoid, how many weeks can I carry it with no revenue, and who owes me money right now? The answers tell you how much of a cushion you have and how much you are missing. They also tell you whether the right product is a cushion or a purchase, which is a different conversation.
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. For single purchases, see term loans or equipment financing. Also available are a business line of credit, a merchant cash advance and fast funding.
A common planning approach is to cover fixed costs for the weeks you might be closed, plus repairs your insurance may not cover.
June 1 to November 30.
Yes. Describe your business in the application.
Yes.
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
