On the Gulf Coast, a storm can reset the calendar overnight. Working capital gives League City businesses a cushion: $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →League City is primarily in Galveston County, with a small portion north of Clear Creek in Harris County. The 2020 census population was 114,392, and between 2000 and 2005 it passed Galveston to become the county's largest city. It is part of the Greater Houston area and is home to waterside resorts such as South Shore Harbor Resort and Conference Center and Waterford Harbor and Yacht Club Marina. Port, marine and coastal businesses make up much of its economy, and their cash flow swings with the hurricane season.
| Phase | What happens to cash |
|---|---|
| Before June 1 | Quiet period to build reserves and stock supplies |
| June through November | Season runs June 1 to November 30; any week can bring closures |
| During a storm | Sales stop; payroll, rent and loans do not |
| After a storm | Repairs, cleanup and restocking come due before insurance pays |
The Atlantic season runs June 1 to November 30, and the gap after a storm is often the longest. Insurance claims take time, and some coastal property owners rely on the Texas Windstorm Insurance Association, a not-for-profit insurer of windstorm and hail coverage for people who cannot get it in the regular market. Whoever pays, the claim is settled later than the repair bill arrives.
The most useful working capital is arranged before the weather, not during it. For illustration, a marina service shop with $18,000 in monthly fixed costs that expects one closed week and two slow weeks in a bad year is planning for roughly a month of reduced sales. If its reserves cover half of that, working capital can supply the rest. The point is to decide how much of a bad month you want to be able to survive, then size to that.
Funding can arrive in as little as 24 hours after you apply, but a storm can interrupt more than banking. Having the application complete in advance is the practical advantage.
Look at restaurants, construction or healthcare for trade-specific cash cycles. Machinery and boats are covered under equipment financing. For a bad-credit situation, see this page.
Coastal business owners often find that the hard part of a recovery is paperwork. Keep a simple record of your fixed monthly costs, your outstanding customer invoices and your insurance contacts in one place, whether paper or digital, and keep a copy off-site. When you need to apply for funding after a disruption, or when you want to size a cushion before the season, having those figures at hand takes minutes instead of days. The same record also helps you answer the question that matters most: how many weeks of normal costs can I carry with no sales at all?
The application takes about five minutes and uses a soft credit pull. Sole proprietors can apply. Funding runs from $25,000 to $5,000,000. Apply here, or review Galveston County funding and League City business funding.
The Atlantic hurricane season runs June 1 to November 30.
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.
Preparing in advance is practical, because storms disrupt operations as well as cash.
Repairs, cleanup, restocking and payroll while insurance or customer payments are pending.
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
