Capital & Term Loans.
Working capital based on your card volume — fund growth without the bank runaround.
Built For You, Configured By Us.
Your processing history is your credit story. Qualify for term loans and merchant capital based on real revenue, with repayment that flexes with your sales.
Ask your Lone Star rep for a no-obligation quote — approval typically takes days, not weeks.
- ★Transparent statementsInterchange-plus pricing you can audit line by line — volume, interchange, markup, and fees laid out so you always know your true effective rate.
- ★No long-term lock-inNo liquidated-damages traps or auto-renewing multi-year terms. We keep you by earning it every month, not by holding your contract hostage.
- ★Dallas-based live supportCall (214) 838-1818 and a real human in Dallas answers — named departments for sales, tech, and success, not an offshore ticket queue or a bot.
- ★Configured for you end to endDual pricing, PCI, hardware, receipts, and signage are set up and verified by us — you get a working, compliant system, not a manual and good luck.
Growth Capital Based On The Sales You Already Have.
Merchant capital is business funding qualified primarily on your card processing history rather than collateral or a lengthy bank underwriting file. Because we see your sales volume, the application leans on data you’ve already generated. Offerings typically include advances that repay as a share of daily card sales — flexing down when sales dip — and term loans with fixed payments. It fits merchants with steady card volume who need capital faster than a bank moves, and it is not the cheapest money in the world; it’s the accessible kind.
In practice, it funds the unglamorous moments that make Texas businesses: the walk-in cooler that dies in July, the second location in a neighboring suburb, the inventory buy before the holiday season. Repayment tied to card sales means a slow week takes a smaller bite than a fixed bank draft would. Our role is to lay the options side by side, show the true cost of each in dollars, and say plainly when we think waiting — or a bank — is the better answer.
The honest framing: merchant capital trades speed and accessibility for cost — the right question isn’t “can I get it” but “does the use of funds out-earn the price.”
Where Payments Hurt
- ★Bank loans that take months your broken equipment doesn’t have
- ★Fixed loan payments that don’t flex when a slow season hits
- ★Growth opportunities — inventory, locations, equipment — missed for lack of fast capital
- ★Confusing offers with costs buried in factor rates and fine print
How Lone Star Fixes It
- ★Qualification reviewed from your actual processing history — no collateral file, no months of underwriting
- ★Every offer translated into plain dollars — total repayment, not just a rate — by our Dallas team, in the same spirit as our fees explained guide
- ★Advance-style and term-loan structures compared honestly for your cash flow, alongside a free statement review to strengthen your position first
- ★No pressure and no guarantees — when a bank or waiting is the better move, we’ll say so
Capital & Term Loans Owners Ask Us
How does qualification actually work?
It’s based primarily on your processing history — volume, consistency, and time in business — rather than collateral or a perfect credit file. Steady card sales are the main signal. Approval and terms are never guaranteed; they depend on your numbers, and our Dallas team will tell you early if they don’t support an offer.
What’s the difference between an advance and a term loan?
An advance repays as a percentage of daily card sales, so payments shrink in slow weeks and grow in busy ones; a term loan has fixed payments over a set period. Seasonal Texas businesses often prefer the flex; steady-volume businesses often prefer the predictability. We’ll model both against your actual sales.
Is this the right way to fund my business?
Sometimes — and sometimes a bank, an SBA product, or patience is better, and we’ll say so. Merchant capital shines when speed matters and the use of funds clearly out-earns its cost. This is general information, not financial advice; for major decisions, loop in your accountant, and we’ll happily walk them through any offer.
Explore Programs
Ready To See It In Action?
Call (214) 838-1818 and a specialist will walk you through the right setup for your business — and ask about up to $5,000 to upgrade your POS.
