Funding by State › Texas › Houston
By Anthony Collin, CEO, Smart Business Funding. $500M+ funded since 2014. Updated October 2026.
Smart Business Funding provides merchant cash advances of $10,000 to $5,000,000 to Houston businesses. Repayment is a fixed daily or weekly payment, we use a soft credit pull only, offers usually arrive in 1 to 5 hours on a complete file, and funding usually takes 24 to 48 hours. We fund Houston businesses online. Our office is at 2420 NE 186th St in North Miami Beach, Florida. You apply directly with us and work with us, not a broker or middleman.
Houston small business snapshot
Houston's economy spans construction, energy services, health care and logistics, and many jobs are paid weeks after the work is done. Working capital can cover the wait.
Figures for the Houston metro area as reported by the sources listed at the bottom of this page.
Houston industries we fund
- Construction and contractors: Construction is one of the five largest sectors by number of establishments in the region. Contractors fund materials, crews and equipment.
- Trucking and freight: Freight, logistics and wholesale trade keep carriers busy across the metro area. Funding can cover fuel, repairs and drivers.
- Healthcare practices: Health care is the region's largest employer. Practices use funding for equipment, staffing and growth.
- Manufacturing and distribution: Manufacturers and distributors fund materials, machinery and bigger orders.
- Restaurants and hospitality: Accommodation and food services is one of the largest sectors by establishments. Funding can cover payroll and inventory.
Not on the list? See all the industries we fund.
How Houston businesses use working capital
- Buying equipment or materials ahead of a large job
- Covering fuel, repairs and drivers between invoices
- Hiring and training staff for a busy stretch
- Expanding to another part of the metro area
How a merchant cash advance works
A merchant cash advance gives your business a lump sum of working capital. It is not a loan, so the cost is set by a factor rate instead of an interest rate, and you know your total repayment before you accept. For example, $50,000 at a 1.35 factor rate over 10 months repays $67,500, with a fixed daily payment of $321.43. Our in-house Direct Fund program uses factor rates of 1.25 to 1.49 for prime files and 1.309 to 1.499 for higher-risk files, with fees of 5% to 10%. See the exact structure on our Transparent Terms page, learn the basics on our merchant cash advance page, or estimate your payment with our calculator. If you are weighing options, read merchant cash advance vs. line of credit.
Who can apply in Houston
- At least 1 year in business
- At least $5,000 in monthly revenue
- Soft credit pull only, with a minimum credit score of 500
- Funding from $10,000 to $5,000,000
See what your Houston business qualifies for
Offers in 1 to 5 hours on a complete file, funding in 24 to 48 hours, up to $5,000,000. No cost to apply, no obligation.
Houston funding questions
Do you fund businesses in Houston?
Yes. We fund Houston businesses online. Our office is at 2420 NE 186th St in North Miami Beach, Florida. You apply directly with us and you work with us, not a broker or middleman. To qualify, you need at least 1 year in business and at least $5,000 in monthly revenue.
How much funding can a Houston business get?
Smart Business Funding provides merchant cash advances from $10,000 to $5,000,000. The amount you qualify for depends on your revenue and time in business, and the total repayment is shown in your written offer.
How fast can a Houston business get funded?
Offers usually arrive in 1 to 5 hours on a complete file, and funding is usually 24 to 48 hours for the whole process from application. As little as 24 hours is possible.
Do I need strong credit to qualify in Houston?
We use a soft credit pull only, so applying does not affect your credit score. The minimum credit score for our Direct merchant cash advance is 500.
Will I receive a written cost disclosure before signing in Texas?
Yes. Texas Finance Code Chapter 398 requires providers to give a written disclosure (total financing amount, finance charge, total repayment amount and payment details, along with the recipient's signature) for covered sales-based financing of less than $1,000,000. Smart Business Funding provides written terms for every offer, including your total funds provided, total repayment, total cost and payment schedule, before you sign. This is general information, not legal advice.
Which Houston industries do you fund?
We fund construction and contractors, trucking and freight, healthcare practices, manufacturing and distribution, restaurants and hospitality, and many other industries. See all of them on our industries page.
Texas funding and disclosures
Texas applicants: Texas Finance Code Chapter 398 requires providers to give a written disclosure (total financing amount, finance charge, total repayment amount and payment details, along with the recipient's signature) for covered sales-based financing of less than $1,000,000. Smart Business Funding provides written terms for every offer, including your total funds provided, total repayment, total cost and payment schedule, before you sign. This is general information, not legal advice.
See our full Texas business funding page, or browse funding by state.
Also serving: MiamiNew York CityLos AngelesChicagoDallasAtlantaPhoenix
Sources
- Greater Houston Partnership, Houston: The Economy at a Glance (August 2025)
- Greater Houston Partnership, Houston Facts 2025
- Understanding Houston, Small Business
This page is general information, not legal, tax or financial advice. Funding is subject to underwriting and approval. Amounts, pricing, fees and timing vary by applicant.
