Merchant cash advance · Texas · Houston
Business funding in Houston
Houston runs on energy, but the small-business economy is much wider than that. The Port of Houston and the Ship Channel feed a huge base of trucking, industrial services, and machine shops. The Texas Medical Center anchors thousands of medical and dental practices across the metro. Construction stays busy through most cycles because the city keeps sprawling outward. Add one of the most diverse restaurant scenes in the country and you get deposit flow across almost every industry we fund.
We fund nationwide from a Florida desk. Westheimer runs restaurants for miles, Harwin Drive is wall-to-wall wholesale, and the Ship Channel keeps east side industrial shops busy around the clock. Files from Houston get read by people who know what Harris County cash flow looks like: $10K to $2M, sized off real deposits, no hard credit pull to apply.
How seasonality reads on a Houston file
Energy price swings ripple through contractors and industrial service companies, and late-summer hurricane season can pause everything for a week. Most other sectors run steady year-round. Funders that know Texas expect this rhythm and read around it - which months your statements cover can genuinely change your offer. If your slow season is on top of you, it is often worth applying off your strongest recent stretch rather than waiting.
What Houston businesses we work with
The Houston files that cross our desk skew toward construction & contractors, trucking & transportation, medical & dental practices, restaurants, manufacturing & fabrication. Each industry reads differently to underwriting - the guides below explain how funders see yours.
Construction & ContractorsTrucking & TransportationMedical & Dental PracticesRestaurantsManufacturing & FabricationAll industries
What it takes to qualify
| Advance range | $10,000 - $2,000,000 |
| Typical sizing | 0.5x to 1.4x monthly bank deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Not sure where you land? The qualification calculator gives you the honest range in ten seconds.
Houston funding questions
My revenue moves with the energy sector. Does that hurt my file?
No. Funders who work Houston files expect it. We present your statements with the swing explained, so an underwriter sees a pattern instead of a red flag. Strong months carry more weight than one slow one.
I run a trucking company out of Houston. Do funders still take trucking?
Yes, but fewer than before, and pricing reflects it. We know which desks still want trucking files and send yours straight there. Clean deposits and steady loads matter more than the industry label.
How fast can a Houston business actually get funded?
Most files get offers back within a day once we have your recent bank statements. If you accept, the wire usually lands the next business day. No collateral, no site visit for most deals.
See your number, not a sales pitch
Two minutes, no hard credit pull, sized off your real deposits.
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