60-second application
Short form. Three months of bank statements. No tax returns. No business plan. No personal guarantee on your property.
Direct funder in Texas
Texas-sized deals. 24-hour funding.
Your next contract starts Monday. The materials invoice is due Friday. Your bank wants 8 weeks. We wire $5K to $2M into your account tomorrow.
See What I Qualify For No credit pull · No commitment · 60 seconds
Why Texas
No state income tax. Still expensive to operate. Here's why.
Everyone talks about no state income tax. Nobody talks about the property taxes that are among the highest in the country. Or insurance premiums that spike after every Gulf Coast storm. Or the fact that diesel hit $4.50/gallon on the I-10 corridor last year. Texas businesses save on one line item and get crushed on five others.
Then there's the cash flow timing problem. A GC in Houston lands a $400K commercial build-out but doesn't see a draw for 50 days. A fleet owner on I-35 blows a turbo on a Peterbilt and needs $18K today, but the freight broker pays net-60. An oilfield service company in Midland scales up when crude is at $78 and needs to survive when it drops to $62. Texas businesses operate on big numbers with big gaps between money out and money in.
We've funded 1,950+ Texas businesses because we know what those gaps look like. We read your bank deposits, not your credit report. If revenue is moving through your account, we move capital into it. Houston, Dallas, Austin, San Antonio -- every week.
$5K - $2M
Funding range
26 Hours
Avg. funding time in TX
1,950+
TX businesses funded
Who we fund in Texas
Construction, trucking, oil, and BBQ.
Four industries. Billions in annual revenue between them. All dealing with the same problem: money goes out months before it comes back in.
Construction
Texas pulls more new construction permits than any state. DFW alone added $14B in commercial projects last year. But a signed contract doesn't pay for lumber, concrete, or the crew. Draws take 45-60 days. We cover the front-end cash so you can start the job.
Trucking
More registered commercial trucks than any state. Owner-operators running I-10 from El Paso to Beaumont or I-35 from Laredo to Dallas burn $800-$1,200/day in fuel and maintenance. Brokers pay net-60. That math doesn't work without working capital. We fund the gap.
Oil & Gas Services
Crude at $78? Permian Basin service companies need $150K to add crews and equipment yesterday. Crude drops to $62? They need capital to keep the lights on while they wait it out. We've seen both cycles. We fund both cycles. Banks don't touch oilfield -- we do.
Restaurants
Second-most restaurants in the country. A BBQ operation in Austin running two 1,000-gallon smokers doesn't call the bank when one goes down -- they call us. Same for Tex-Mex spots in San Antonio, seafood joints on the Gulf, and the steakhouse in Dallas expanding to a second location.
How it works
Apply today. Funded tomorrow.
Houston, Dallas, San Antonio, Austin, El Paso. Same process. We don't care which city -- we care about your bank deposits.
Same-day decision
We read deposits. Crude price dips and summer construction slowdowns don't disqualify you. If the revenue is there, you're approved. Hours, not weeks.
Capital hits your account
One signature. Wire in 24-48 hours. Fill the diesel tanks, order the steel, cover the crew, or grab that second truck before the contract deadline.
Texas field note
$120K wired. 24 hours. Contract landed.
Trucking company owner · Houston, TX
"Refinery expansion contract. Needed two more trucks to fulfill it. Bank quoted 6-8 weeks. Westline pulled my last 90 days of deposits, approved $120K, and wired it in 24 hours. Bought both trucks, started hauling that Monday, and had the whole thing paid back in under 5 months."
Common questions
Texas business funding — answered.
Do you fund Texas businesses with bad credit?
Yes. We've funded Texas businesses with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.
How fast can a Texas business get funded?
Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.
How much can Texas businesses qualify for?
$5K-$2M is the typical advance range for Texas businesses, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.
What do I need to apply?
Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.
Is this a loan?
No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.
Find out your number in 60 seconds.
No credit pull. No obligation. Houston to El Paso, same process, same speed.
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