Rise Business Funding

Revenue-Based Financing in Texas

Texas has one of the most dynamic small business environments in the country, with thriving sectors in energy, technology, agriculture, healthcare, and hospitality. Revenue-based financing in Texas gives growing businesses access to flexible capital that scales with your monthly sales, no fixed payment stress required.

$5K to $5M

Funding range available to qualifying Texas businesses through our lender network

Decisions in 24 Hours

Fast credit decisions so Texas business owners can act quickly on opportunities

Available Statewide

Texas businesses from Houston and Dallas to El Paso and Amarillo are eligible

About Revenue-Based Financing in Texas

A Permian Basin oilfield services firm lands a new drilling contract in Midland-Odessa. The work starts in three weeks, but the invoice won't clear for sixty days. That gap between mobilizing crews and collecting payment is exactly where revenue-based financing earns its place. Instead of fixed monthly payments that ignore your cash position, repayments scale with your actual incoming revenue, so a slower collection month costs you less than a strong one. For businesses tied to oil price cycles and contract-driven cash flow, that flexibility is not a convenience. It is a structural advantage.

Texas's $2.7 trillion economy, growing at 3.5% in Q4 2024 against a U.S. average of 2.4%, creates constant demand for capital that moves as fast as the market does. Professional and business services firms across the Dallas-Fort Worth Metroplex and Austin added 9,045 net jobs in Q1 2024 alone, and many of those firms carry large receivables while chasing new contracts. Consulting business loans and similar working-capital products help bridge that gap, but revenue-based financing goes further by aligning repayment to the revenue those contracts actually generate. Logistics and freight operators running loads out of the Port of Houston or through Laredo's U.S.-Mexico border crossings face the same dynamic: fuel costs and driver wages hit today while shipper payments arrive next month. Trucking business loans address equipment needs, but revenue-based financing handles the operating gap that follows a busy shipping week.

Rise Business Funding structures these facilities for Texas businesses across the revenue spectrum. Whether your firm operates in the Energy Corridor's petrochemical services sector or provides staffing and advisory work out of Uptown Dallas, approval decisions lean on your revenue history, not your collateral stack. Businesses with thin fixed assets but consistent monthly revenue often qualify faster than they expect. Pair this product with a business line of credit for ongoing flexibility, or explore invoice factoring if your cash flow pressure comes specifically from slow-paying commercial clients. Use the business funding calculator to model repayment scenarios against your current monthly revenue before you apply.

Financing Options in Texas

Every product Rise Business Funding offers is available to Texas businesses. Choose the structure that fits how you want to access and repay capital.

Requirements to Qualify

Texas businesses typically meet the following thresholds. Even if you fall short on one factor, Rise Business Funding evaluates your full financial picture.

Minimum Credit Score

FICO 600+

Most lenders in our network require a personal FICO score of at least 600. Texas business owners with credit challenges may still qualify depending on monthly revenue strength and time in business.

Monthly Revenue

$25,000+

Revenue-based financing is tied directly to your sales volume. Lenders typically require at least $25,000 in average monthly revenue. Larger and more consistent revenue generally unlocks higher funding amounts.

Time in Business

6+ Months

Texas businesses must have been operating for at least 6 months to qualify. Newer businesses with strong early revenue may still be evaluated favorably by certain lenders in our network.

Business Bank Account

Required

An active business checking account is required so lenders can verify revenue through bank statements. This is a standard requirement for all revenue-based financing products available through our network.

How It Works in Texas

1

Apply Online in Minutes

Complete a brief application with basic information about your Texas business, monthly revenue, and funding needs. No lengthy paperwork and no obligation to accept any offer.

2

Receive a Funding Decision

Lenders in our network review your application and typically return a decision within 24 hours. You may receive multiple offers to compare terms and repayment structures side by side.

3

Get Funded and Grow

Once you accept an offer, funds are deposited directly into your business bank account, often within one to three business days. Use the capital to invest, expand, or stabilize operations anywhere in Texas.

Why Texas Business Owners Choose Rise Business Funding

  • Flexible Repayment Tied to Revenue

    Unlike fixed monthly loans, revenue-based financing adjusts your payments to match what your business actually earns, making it a smart fit for Texas businesses in seasonal or cyclical industries.

  • Access to a Wide Lender Network

    Rise Business Funding connects Texas business owners with multiple lenders in our network, increasing your chances of finding terms that fit your specific revenue profile and industry.

  • Fast Turnaround for Time-Sensitive Needs

    From application to funding, the process is designed for speed. Many Texas businesses receive decisions within 24 hours and funds within days, not weeks.

  • Statewide Coverage Across Texas

    Whether your business is in Dallas, Austin, Houston, San Antonio, Lubbock, or a smaller Texas market, Rise Business Funding can match you with lenders who serve your area.

Industries We Serve in Texas

From the dominant sectors of the Texas economy to the small operators that keep neighborhoods running, Rise Business Funding works across every legitimate industry.

Texas-Specific Resources

Texas small businesses have access to a strong network of public and nonprofit financing resources that can work alongside private capital. The Texas Small Business Credit Initiative deploys up to $472 million through loan guarantee and capital access programs for businesses with fewer than 500 employees, with priority for underserved entrepreneurs. LiftFund, founded in San Antonio and active across the state, provides SBA microloans and Community Advantage loans to women, minority, and veteran business owners who may not qualify at traditional banks. PeopleFund, based in Austin, offers loans up to $350,000 for working capital and equipment statewide. The Texas SBDC Network operates more than 40 centers across all 254 counties, providing free consulting and loan-packaging support. These programs complement, rather than replace, the speed and flexibility of Rise Business Funding's revenue-based financing products.

Texas Small Business Credit Initiative

Administered by the Texas Economic Development and Tourism Office on behalf of the U.S. Treasury, TSBCI deploys up to $472 million through two programs: a Capital Access Program (CAP) for loans of $5,000 to $5 million and a Loan Guarantee Program (LGP) for loans of $5,000 to $20 million, both targeting small businesses with fewer than 500 employees, with a focus on traditionally marginalized and SEDI-owned businesses.

gov.texas.gov

LiftFund

Founded in San Antonio in 1994, LiftFund is a Treasury-certified nonprofit CDFI that provides SBA microloans, SBA Community Advantage loans, and SBA 504 loans across Texas and 14 other states, with a focus on women, minority, veteran, and low-to-moderate income entrepreneurs who cannot access traditional bank financing. The organization has deployed nearly $1 billion to more than 28,000 business owners over 30 years.

liftfund.com

PeopleFund

An Austin-based Treasury-certified CDFI and SBA-certified lender serving all of Texas, PeopleFund provides business loans up to $350,000 for equipment, working capital, real estate, and revolving lines of credit to businesses that do not qualify for bank loans, with over 40 percent of loans going to startups and nonprofits, and the majority serving minority, women, and veteran business owners.

peoplefund.org

SBA Houston District Office

The SBA Houston District Office serves 32 counties in southeastern Texas, including Harris County (the state's most populous county), delivering SBA 7(a) and 504 loan programs, SBA microloans, government contracting assistance, and referrals to local resource partners such as SBDCs and SCORE chapters.

sba.gov

USDA Rural Development Texas State Office

USDA Rural Development Texas administers the Business and Industry (B and I) Loan Guarantee Program for rural businesses, the Rural Microentrepreneur Assistance Program (microloans up to $50,000 for businesses with 10 or fewer employees), and the Rural Economic Development Loan and Grant Program, all focused on job creation and economic growth in rural Texas communities.

rd.usda.gov

Texas SBDC Network

The Texas Small Business Development Center Network operates over 40 centers statewide and is funded in part by the State of Texas and the SBA, hosted by The University of Texas at San Antonio. SBDC advisors provide free one-on-one consulting, loan packaging assistance, financial analysis, and market research to entrepreneurs and existing business owners across all 254 Texas counties.

sbdctexas.org

Frequently Asked Questions

About Funding in Texas

Revenue-based financing in Texas is a funding arrangement where a lender provides capital upfront and collects repayment as a set percentage of your monthly business revenue. Payments rise when sales are strong and decrease during slower periods. This makes it a practical alternative to fixed-payment loans for Texas businesses in industries like energy services, food and beverage, and retail where monthly income can vary significantly throughout the year.

Revenue-Based Financing in Texas Cities

We serve businesses in Austin, Dallas, Houston, and more. Pick your city for local programs, qualification specifics, and city-tailored FAQs.

Get Revenue-Based Financing Today

Apply in under 5 minutes. No credit impact. Funding decisions in 24 hours.