Greater Houston spreads across the Gulf Coast, so a business here may wait on a slow invoice, a storm week or a long drive between jobs. Working capital covers the gap while that clears.
Apply Now →Greater Houston is the fifth-most populous metropolitan statistical area in the United States, a Gulf Coast region in Southeast Texas centered on Harris County. It is also one corner of the Texas Triangle, the megaregion it shares with Dallas-Fort Worth, Greater Austin and Greater San Antonio. We group thirteen counties under this page, from Austin and Brazoria to Walker and Waller, and that is an editorial grouping drawn from public regional definitions, not an official state region.
For an owner, the practical point is that a business in Fort Bend does not share a calendar with one in Galveston or Montgomery. What they share is the problem working capital is meant for: money going out on a fixed schedule while money coming in arrives on someone else's.
| Type of business | Where cash gets stuck | What the money usually covers |
|---|---|---|
| Trade and service contractors | Weeks between finishing work and being paid | Crew payroll and materials for the next job |
| Restaurants and retail | A slow stretch or a closed week | Rent, payroll, and the supplier bill that does not pause |
| Suppliers and distributors | Buying stock before the orders arrive | Inventory ahead of a busy period |
| Hauling and delivery operators | Fuel, repairs and insurance paid up front | Keeping trucks and vans running between payments |
If you recognize your business in more than one row, that is normal. Many businesses carry a mix of these patterns, so the useful question is which one is putting pressure on cash right now.
The Atlantic hurricane season runs from June 1 to November 30, and for a Gulf Coast metro that stretch is part of normal planning. A storm closes doors for days even when buildings are untouched: customers stay home, deliveries stop, and employees are still owed their pay. Owners closer to the coast may also run into windstorm coverage questions. TWIA, the Texas Windstorm Insurance Association, describes itself as a not-for-profit insurer for property owners who cannot get windstorm and hail coverage in the regular market.
None of that tells you how much working capital to carry. It does tell you that the months from June to November are a sensible time to know where your cushion would come from before you need it.
Suppose a Houston-area contractor has $40,000 in monthly fixed costs and finishes a job that will not pay for 45 days. Payroll and materials for the next two jobs cannot wait. In this invented example, covering about six weeks of fixed costs means a request near $60,000. Those are round numbers for illustration, not our terms or a typical outcome.
We fund $25,000 to $5,000,000, and funding can arrive in as little as 24 hours. The application takes about five minutes and uses a soft credit pull. Sole proprietors can apply. You can start your application here.
We group Austin, Brazoria, Chambers, Fort Bend, Galveston, Grimes, Harris, Liberty, Madison, Montgomery, San Jacinto, Walker and Waller counties under Greater Houston. It is an editorial grouping, not an official state region.
No. The range is $25,000 to $5,000,000 wherever your business operates.
Yes. Sole proprietors can apply.
The application uses a soft credit pull.
About five minutes, and funding can arrive in as little as 24 hours.
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
