Which counties are included?

Twenty counties, including Dallas, Tarrant, Collin, Denton, Ellis, Johnson, Parker, Rockwall, Wise and Hunt.

Can an agency or staffing firm apply?

Any eligible business can apply. Describe the invoice cycle.

What is the difference from a term loan?

Working capital bridges recurring gaps; a term loan funds a one-time project.

Is the credit check hard?

The application uses a soft credit pull.

Working Capital in Dallas-Fort Worth

The most competitive market in the state

The Dallas-Fort Worth metroplex is the most populous metropolitan area in Texas and the Southern United States, spanning 11 counties around its dominant core cities, Dallas and Fort Worth, and acts as the economic and cultural hub of North Texas. Our listing for this page covers twenty counties, from Dallas, Tarrant, Collin and Denton to Ellis, Johnson, Parker, Hunt and Wise.

Customers here have a lot of choices, and so do landlords, suppliers and employees. Businesses compete on price, speed and service, and few have the margin to carry long gaps between paying and getting paid.

Where the cash goes first

Payroll: usually the largest cost and the one with the least flexibility.
Rent and occupancy: set by a lease, regardless of sales that month.
Suppliers and subcontractors: paid on terms that may be shorter than your customers' terms.
State obligations: franchise tax reports are due May 15 and quarterly unemployment wage reports and taxes by the last day of the month after quarter-end. These dates are fixed.

Slow-paying customers: the common cause

A professional-services firm sends an invoice on the 1st, the client's accounts-payable system pays on the 45th, and payroll runs on the 15th and the 30th. The firm is owed money and still short of cash. A staffing company, a marketing agency, a logistics broker and a subcontractor all face versions of this. Working capital is the bridge, but only if the invoices behind it are real and due.

A comparison table

Situation	Working capital fits?	Why
Large client pays in 45 days; payroll is every two weeks	Yes	Timing gap with a known end
Busy-season inventory purchase	Yes	Costs come first, sales later
Buying a second location	Usually a term loan	A one-time project
Business loses money every month	Not by itself	Cash does not fix a margin problem

Matching the request to the industry

A restaurant group, a medical practice, a trucking dispatcher and a design studio can all sit within a few miles of each other and have unrelated cash cycles. Restaurants buy food weekly and sell daily. Practices wait on insurance reimbursements. Dispatchers pay drivers before shippers pay them. Studios bill by milestone. When you apply, describe your own cycle in your own terms, using the real timing of your receipts, rather than a generic story about the market.

A worked cash calendar, for illustration

Date	Event	Balance effect
1st	Invoice of $60,000 sent	None yet
15th	Payroll of $22,000	Down $22,000
30th	Payroll, rent and suppliers of $38,000	Down $38,000
45th	Client pays the invoice	Up $60,000

Round numbers, not our terms. Between the 1st and the 45th the business pays out about $60,000 before it collects $60,000. That is the entire working-capital problem in four lines.

The funding facts

The application takes about five minutes and uses a soft credit pull. Amounts run from $25,000 to $5,000,000, and funding can arrive in as little as 24 hours. Sole proprietors can apply.

Working Capital in the Dallas-Fort Worth Metroplex