Houston is big enough that its cash problems come in every size. Whether you service field crews, haul, supply or feed them, working capital covers the wait: $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →Houston is the most populous city in Texas, with 2.3 million people at the 2020 census and a metropolitan area of 7.8 million. It sits in Southeast Texas near Galveston Bay and the Gulf of Mexico, and it is the county seat of Harris County. At 640.4 square miles, it is spread out enough that a service business may spend a real share of its day just moving between jobs.
Oilfield service, equipment and supply businesses, haulers, and the restaurants, hotels and shops that serve field crews are all part of the picture here. So are port, logistics and medical firms, which have their own pages linked below. What they share is the cost of working at scale: bigger payrolls, bigger inventories, bigger invoices that are paid later.
| Cost | When it is paid | When the matching revenue arrives |
|---|---|---|
| Crew wages | Weekly | After job completion and invoicing |
| Parts and consumables | On order or on delivery | When the customer pays net terms |
| Truck fuel and repairs | As incurred | After freight invoices settle |
| Restaurant payroll and food | Weekly | Daily, but uneven |
The first three rows are why working capital exists. The last row is a quieter version of the same problem.
For a single machine or vehicle, equipment financing in Houston is a closer fit. For a limit you can reuse, see business lines of credit.
The Atlantic hurricane season runs June 1 to November 30. A Gulf Coast city's business owners usually plan for at least a few days of disruption in those months: closed customers, delayed shipments or a flooded site. A working-capital cushion set aside before a storm is more practical than one sought during one, though funding can arrive in as little as 24 hours after you apply.
In a large metro, a single business often serves customers on very different payment schedules. A supply firm might sell to a contractor who pays within days and to a larger operator who pays after a month or more. The first customer keeps cash moving; the second creates the gap. Working capital is easiest to size when you separate the two, because only the slow-paying share of your revenue is really tied up. If a third of your sales are on long terms, that third is where to focus the estimate, not on the whole business.
Whatever you decide, ask the funder to describe the full repayment schedule and compare it against your slowest recent month rather than your best.
The application takes about five minutes and uses a soft credit pull. Sole proprietors can apply. Funding ranges from $25,000 to $5,000,000. Apply here, or review Harris County funding and same-day funding in Houston.
It can be, since crews and materials are paid for before the insurance or customer payment arrives.
Typically to cover fuel, driver pay and repairs while waiting for freight invoices to settle. We do not promise funding for long-haul trucking.
It is sensible to plan before June 1 rather than during a storm, since the season runs through November 30.
Yes, through the same five-minute application with a soft credit pull.
$25,000 to $5,000,000.
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
