Business Funding & Small Business Loan Alternatives in Texas
Business Funding for Texas Companies
Revenue-based funding for Texas businesses doing $25,000 or more in monthly revenue — underwritten on deposits, not collateral.
Texas has the largest small business population of any state except California, and a banking system that still says no to a lot of it. Y Millennial Funding provides Texas business funding built for how the state actually earns: revenue-based capital underwritten on your business bank deposits rather than collateral, with a merchant cash advance structure that flexes remittance as a percentage of revenue. Whether you run a trucking operation on the I-35 corridor, a construction company riding the Texas building boom, a restaurant in Houston, or an auto shop in Fort Worth, if the business has six or more months of history and $25,000 or more in monthly revenue, you can get a same-day decision and funding commonly within 24 to 72 hours. We fund small business loans alternatives across Texas in every major metro and the rural areas between them.
The Texas Economy
Texas runs one of the most diversified economies in the country: energy and oilfield services across the Permian and Gulf Coast, a logistics and trucking machine built on the I-35, I-10, and I-45 corridors, a construction sector expanding as fast as anywhere in America, and deep manufacturing, healthcare, restaurant, and retail bases in every metro. The absence of a state income tax and a steady inflow of new residents and businesses keep demand high — and keep working capital perpetually in demand to staff, stock, and equip ahead of it.
Why Texas Businesses Choose Revenue-Based Funding
Texas businesses get declined by banks for the same reasons strong businesses everywhere do: they grew faster than their financial statements look, their value sits in equipment and contracts rather than real estate, or an energy-cycle or seasonal swing made a conservative committee nervous. Revenue-based funding inverts that test — it reads the actual deposits in the business bank account and prices the business on performance, which is why a Texas company turned down by its bank can often still be funded on its revenue.
The Texas Funding Landscape
Texas is a business-friendly state with no state income tax, but small business lending here is still collateral-led and slow at the bank level. Revenue-based funding fills that gap statewide, in US dollars, with security registered through standard UCC filings rather than requiring hard real estate collateral. Approval depends on revenue patterns, time in business, deposit consistency, and other underwriting factors, and is never guaranteed.
Key Industries We Fund in Texas
The Texas industries that lean most on revenue-based funding are trucking and logistics along the interstate corridors, construction and the specialty trades feeding the building boom, restaurants and hospitality, healthcare and dental practices, retail, and auto repair. Energy-services businesses across the Permian and Gulf Coast also use it to bridge the commodity cycle.
Metros We Fund Across Texas
We fund businesses across every major Texas metro — Houston, Dallas, Fort Worth, San Antonio, and Austin — plus the rural and mid-size markets between them. Each metro has its own city funding page with local detail.
Texas Cities We Serve
Local business funding across Texas's major markets.
Need a merchant cash advance in Allen, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Amarillo, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Arlington, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Revenue-based business funding for Austin, TX businesses doing $50K+ monthly. Tech, hospitality, healthcare, contracting, and retail. Same-day decisions for eligible applications.
Need a merchant cash advance in Beaumont, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Brownsville, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in College Station, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Corpus Christi, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Dallas? Same-day decisions and funding in 24-72 hours across DFW, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Edinburg, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in El Paso, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Revenue-based business funding for Fort Worth, TX businesses doing $50K+ monthly. Aerospace, logistics, energy, contracting, and retail. Same-day decisions for eligible applications.
Need a merchant cash advance in Frisco, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Garland, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Grand Prairie, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Houston? Same-day decisions and funding in 24-72 hours across the metro, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Irving, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Killeen, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Laredo, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Lubbock, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in McAllen, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Plano, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Richardson, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Round Rock, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in San Antonio? Same-day decisions and funding in 24-72 hours, approved on revenue not credit. Not all applicants qualify.
Need a merchant cash advance in Waco, Texas? Same-day decisions and funding in 24-72 hours for local businesses, approved on revenue not credit. Not all applicants qualify.
Texas Industries We Fund
Industry-specific funding for Texas businesses across all major sectors.
ABA Therapy & Autism Services
ABA therapy business funding and loans for autism services, ABA clinics, and behavioral health providers. Clinic build-out, hiring, bridging insurance reimbursement. Revenue-based, same-day decisions for eligible applications.
Learn moreAccounting & Bookkeeping Firms
Revenue-based funding from $25,000 for accounting and bookkeeping firms. Carry the off-season and fund growth. Approved on revenue, not credit.
Learn moreAddiction Treatment & Recovery Centers
Addiction treatment center loans and rehab facility funding for treatment centers, IOP, PHP, and detox facilities. Facility build-out, licensing, payroll, expansion. Revenue-based, same-day decisions for eligible applications.
Learn moreAgriculture & Farming
Revenue-based funding for farms and agribusiness — seed, feed, equipment, labor, and seasonal working capital. A merchant cash advance, not a loan; approved on deposits.
Learn moreAI & Technology Services
Business loans and revenue-based funding for AI consulting firms, automation agencies, IT services, MSPs, and software companies. Payroll, compute costs, and growth capital between client invoices. Same-day decisions for eligible applications.
Learn moreAuto Dealers & Used Car Lots
Revenue-based funding for used car dealers and auto lots — inventory, auctions, reconditioning, and floor-plan gaps. A merchant cash advance, not a loan; approved on deposits.
Learn moreAuto Repair & Auto Body
Auto repair financing and auto body shop loans for independent shops, collision centers, and specialty repair. Diagnostic equipment, lifts, ADAS tooling, bay expansion. Revenue-based, same-day decisions for eligible applications.
Learn moreBars & Nightclubs
Revenue-based funding for bars, nightclubs, and lounges — liquor inventory, equipment, renovations, and payroll. A merchant cash advance, not a loan; approved on card volume.
Learn moreBusiness Funding for Bad Credit
Direct funder offering business funding for bad credit. We underwrite on revenue, not credit score — businesses with $50K+ monthly revenue can qualify despite past credit issues. Same-day decisions for eligible applications.
Learn moreBusiness Vehicle Financing
Business vehicle financing and work vehicle loans for service businesses, contractors, delivery operations, and fleets. Vans, trucks, fleet expansion, upfit. Revenue-based, same-day decisions for eligible applications.
Learn moreCannabis & CBD Businesses
Cannabis business loans and dispensary financing for cultivators, processors, dispensaries, and CBD businesses. Licensing, equipment, build-out, expansion. Revenue-based funding for eligible applications.
Learn moreCar Washes
Revenue-based funding for car washes — tunnel and pump equipment, site upgrades, and working capital. A merchant cash advance, not a loan; approved on card volume, not credit.
Learn moreCatering Companies
Revenue-based funding for catering companies — food, rentals, staffing, equipment, and event-season scaling. A merchant cash advance, not a loan; approved on deposits.
Learn moreCleaning & Janitorial Services
Cleaning business loans and janitorial funding for commercial cleaning, residential cleaning, and specialty cleaning operators. Equipment, vehicles, payroll, contract growth. Revenue-based, same-day decisions for eligible applications.
Learn moreConstruction & Contractors
Contractor financing and construction business loans for general contractors, subcontractors, and specialty trades. Materials, equipment, mobilization, payroll between progress payments. Revenue-based, same-day decisions for eligible applications.
Learn moreConstruction Factoring & Contractor Receivables Funding
Construction factoring for subs and GCs — advance against approved pay applications instead of waiting 45-90 days on progress payments. Retainage-aware programs; revenue-based advances also available directly. Not all applicants qualify.
Learn moreDaycare & Childcare Centers
Daycare business loans and childcare funding for daycare centers, preschools, and childcare providers. Build-out, payroll, equipment, expansion. Revenue-based, same-day decisions for eligible applications.
Learn moreDental Practices
Dental practice loans and financing for general, specialty, and group practices. Equipment, technology, operatory build-out, practice acquisition, bridging insurance reimbursement. Revenue-based, same-day decisions for eligible applications.
Learn moreE-commerce & Online Retail
Ecommerce business loans and funding for Amazon FBA sellers, Shopify stores, Walmart Marketplace, and DTC brands. Inventory, ad spend scale, marketplace payout gap. Revenue-based, same-day decisions for eligible applications.
Learn moreElectrical Contractors
Revenue-based funding for electrical contractors — wire, panels, materials, payroll, and project mobilization. A merchant cash advance, not a loan; approved on deposits.
Learn moreFilm & Entertainment Services
Film production loans and entertainment industry funding for production companies, post-production, talent agencies, and entertainment services. Project funding, equipment, working capital. Revenue-based, same-day decisions for eligible applications.
Learn moreFood Trucks & Mobile Food
Food truck financing and loans for owner-operators, catering trucks, and small fleets with $50K+ annual revenue. Equipment, build-out, second-truck expansion, working capital. Revenue-based, same-day decisions for eligible applications.
Learn moreFranchise Businesses
Revenue-based funding for established franchisees — remodels, equipment, working capital, and additional units. A merchant cash advance, not a loan; approved on deposits.
Learn moreFreight Factoring for Trucking Companies
Freight factoring for owner-operators, small fleets, and freight brokers. Advances of typically 90-97% at delivery instead of waiting 30-90 days on brokers and shippers. Recourse and non-recourse options, fuel advances available. Not all applicants qualify.
Learn moreGas Stations & Convenience Stores
Revenue-based funding for gas stations and convenience stores — fuel, inventory, pumps, and tank compliance. A merchant cash advance, not a loan; approved on deposits, not credit.
Learn moreGovernment Contract Factoring
Factoring for government contractors — federal, state, and local. Advances of typically 85-90% on accepted invoices instead of waiting 30-90 days; Assignment of Claims handled. New awardees and set-aside firms welcome. Not all applicants qualify.
Learn moreGyms & Fitness Studios
Gym business loans and fitness studio financing for gyms, CrossFit boxes, yoga studios, and fitness operators. Equipment, build-out, expansion, working capital through slow seasons. Revenue-based, same-day decisions for eligible applications.
Learn moreHealthcare & Medical Practices
Medical practice loans and healthcare business funding for physician practices, specialty clinics, urgent care, and medical offices. Bridge insurance reimbursement, equipment, expansion. Revenue-based, same-day decisions for eligible applications.
Learn moreHome Health Care Agencies
Revenue-based funding for home health and home-care agencies — caregiver payroll, recruiting, and the Medicaid/insurance reimbursement gap. A merchant cash advance, not a loan; approved on deposits.
Learn moreHotels & Hospitality
Hotel financing and hospitality business loans for hotels, motels, boutique properties, and hospitality operators. PIP renovations, FF&E, working capital through low season. Revenue-based, same-day decisions for eligible applications.
Learn moreHVAC Contractors
Revenue-based funding for HVAC contractors — units, parts inventory, payroll, and trucks through peak and slow seasons. A merchant cash advance, not a loan; approved on deposits.
Learn moreIndependent Pharmacies
Revenue-based funding for independent pharmacies — drug inventory, the reimbursement gap, technology, and acquisition. A merchant cash advance, not a loan; approved on deposits.
Learn moreInventory Financing
Inventory financing and business inventory loans for retailers, e-commerce sellers, wholesalers, and product businesses. Fund seasonal buys, supplier minimums, restocking. Revenue-based, same-day decisions for eligible applications.
Learn moreInvoice Factoring & Receivables Funding
Invoice factoring and receivables funding for B2B businesses on net-30 to net-90 terms — staffing, freight, distribution, manufacturing. True factoring or non-notification revenue-based funding; same-day decisions for eligible applications. Not all applicants qualify.
Learn moreJanitorial & Commercial Cleaning Factoring
Invoice factoring for commercial cleaning companies. Advances of typically 85-90% on contract billings so weekly crew payroll never waits on net-60 property managers. New companies welcome. Not all applicants qualify.
Learn moreLandscaping & Lawn Care
Landscaping business loans and equipment financing for landscapers, lawn care, hardscaping, and irrigation contractors. Equipment, vehicles, seasonal working capital. Revenue-based, same-day decisions for eligible applications.
Learn moreLaundromats & Coin Laundry
Laundromat financing and loans for coin laundries, card-system laundromats, and multi-location operators. Equipment replacement, acquisition, modernization, card-system conversion. Revenue-based, same-day decisions for eligible applications.
Learn moreLaw Firms & Attorneys
Revenue-based working capital from $25,000 for law firms and attorneys. Cover payroll and case costs between settlements. Approved on revenue, not credit.
Learn moreLiquor Stores & Package Stores
Liquor store financing and business loans for package stores, wine and spirits shops, and beverage retailers. Inventory, seasonal stock-ups, renovation, acquisition. Revenue-based, same-day decisions for eligible applications.
Learn moreManufacturing
Manufacturing business loans and equipment financing for small and mid-sized manufacturers. Production equipment, raw materials, working capital, expansion. Revenue-based, same-day decisions for eligible applications.
Learn moreManufacturing Factoring & Receivables Funding
Invoice factoring for manufacturers, fabricators, and distributors. Advances of typically 80-90% at shipment instead of waiting on net-60/90 terms; PO funding available for pre-production costs. Not all applicants qualify.
Learn moreMarketing & Creative Agencies
Revenue-based funding from $25,000 for marketing and creative agencies. Front payroll and ad spend on net-term clients. Approved on revenue, not credit.
Learn moreMed Spas & Aesthetic Practices
Med spa financing and aesthetic practice loans for medical spas, aesthetic practices, and laser clinics. Devices, treatment rooms, injectables inventory, expansion. Revenue-based, same-day decisions for eligible applications.
Learn moreMedical Factoring & Healthcare Receivables Funding
Medical receivables factoring for practices, home health, therapy clinics, labs, and medical staffing. Advance against net collectible claim value instead of waiting 30-120 days on insurance, Medicare, and Medicaid. Not all applicants qualify.
Learn moreMoving Companies
Revenue-based funding for moving companies — trucks, crews, fuel, and peak-season scaling. A merchant cash advance, not a loan; approved on deposits.
Learn moreNursing Homes & Senior Care Facilities
Nursing home loans and senior care financing for skilled nursing, assisted living, memory care, and senior care operators. Bridge Medicare and Medicaid reimbursement, facility upgrades, expansion. Revenue-based, same-day decisions for eligible applications.
Learn moreOilfield Factoring & Energy Services Funding
Factoring for oilfield service companies — water haulers, sand haulers, roustabout crews, wireline, rentals. Advances of typically 85-95% on ticket-backed invoices instead of waiting 45-90 days on operators. Not all applicants qualify.
Learn morePest Control Companies
Revenue-based funding for pest control companies — chemicals, equipment, trucks, hiring, and route acquisition. A merchant cash advance, not a loan; approved on deposits.
Learn morePhysical Therapy Clinics
Revenue-based funding for physical therapy clinics — payroll, equipment, build-outs, and the reimbursement gap. A merchant cash advance, not a loan; approved on deposits.
Learn morePlumbing Contractors
Revenue-based funding for plumbing contractors — materials, fixtures, payroll, trucks, and equipment. A merchant cash advance, not a loan; approved on deposits.
Learn moreReal Estate Agents & Brokerages
Revenue-based funding from $25,000 for real estate agents and brokerages. Bridge between closings and fund marketing and growth. Approved on revenue, not credit.
Learn moreRestaurants & Food Service
Restaurant business loans and funding for restaurants, bars, cafes, and food service operators. Equipment, renovation, working capital through slow seasons, new locations. Revenue-based, same-day decisions for eligible applications.
Learn moreRetail
Retail business loans and retail capital for stores, boutiques, and small chains. Inventory, seasonal buys, store build-out, expansion, working capital. Revenue-based, same-day decisions for eligible applications.
Learn moreRoofing Companies & Contractors
Revenue-based funding for roofing companies and contractors — materials, payroll, equipment, and storm-restoration scaling. A merchant cash advance, not a loan; approved on deposits.
Learn moreSalons & Beauty Businesses
Salon business loans and financing for hair salons, nail salons, barbershops, spas, and beauty businesses. Build-out, equipment, expansion, working capital. Revenue-based, same-day decisions for eligible applications.
Learn moreSecurity Guard Company Factoring
Invoice factoring for security guard companies. Advances of typically 85-92% on posted-hours billing so weekly guard payroll never waits on net-60 clients. Not all applicants qualify.
Learn moreSolar Installers & Renewable Energy
Revenue-based funding from $50,000 for solar installers and renewable-energy contractors. Buy panels and cover crews before payout. Approved on revenue, not credit.
Learn moreStaffing & Recruiting Agencies
Funding for staffing companies and payroll financing for staffing firms waiting on client payments. Bridge the gap between paying workers weekly and collecting client invoices 30-60 days later — including healthcare staffing. Revenue-based, same-day decisions for eligible applications. Not all applicants qualify.
Learn moreStaffing Agency Factoring & Payroll Funding
Payroll funding and invoice factoring for staffing agencies. Advances of typically 90-95% on timesheet-backed invoices so weekly payroll never waits on net-30 clients. New agencies welcome — approval rides on your clients' credit. Not all applicants qualify.
Learn moreTowing Companies
Revenue-based funding for towing companies — trucks and wreckers, fuel, payroll, and fleet expansion. A merchant cash advance, not a loan; approved on deposits.
Learn moreTrucking & Transportation
How to get funding for your trucking business — for owner-operators, small fleets, and trucking companies with $50K+ monthly revenue. Fuel, semi-truck repairs and down payments, payroll, fleet expansion, and working capital between broker payments. Revenue-based, approved on revenue not credit. Same-day decisions for eligible applications.
Learn moreVeterinary Practices & Animal Hospitals
Revenue-based funding for veterinary clinics and animal hospitals — equipment, staffing, build-outs, and supplies. A merchant cash advance, not a loan; approved on deposits.
Learn moreWarehousing, 3PL & Logistics
Revenue-based funding from $50,000 for warehouses, fulfillment, and 3PL companies. Cover payroll and space on net-term contracts. Approved on revenue, not credit.
Learn moreWholesale & Distribution Factoring
Invoice factoring for wholesalers, importers, and distributors. Advances of typically 80-90% at shipment instead of waiting on net-30/90 retail terms; PO funding available for supplier payments. Not all applicants qualify.
Learn moreFeatured: City + Industry Funding Pages
Targeted funding resources for specific industries in Texas's top markets.
Freight Factoring for Trucking Companies
San Antonio, TX
Staffing Agency Factoring & Payroll Funding
Dallas, TX
Staffing Agency Factoring & Payroll Funding
Houston, TX
Medical Factoring & Healthcare Receivables Funding
Houston, TX
Medical Factoring & Healthcare Receivables Funding
Dallas, TX
Oilfield Factoring & Energy Services Funding
Houston, TX
Browse all locations or industries we fund.
Texas Business Funding: Common Questions
All funding is subject to underwriting review. Information below is general guidance.