small business funding in texas
operating smoke shops, vape stores, and head shops in texas, including houston, san antonio, dallas, may compare bank, credit-union, equipment, inventory, or revenue-based financing depending on the business and use of funds. cost, collateral, repayment, and required disclosures vary by provider and product. tell us your deposits, time in business, and what the money is for, and we will work to put you in front of providers that serve your category. mellow is not a lender; the provider sets approval and terms.
what we fund in texas
smoke shop funding in texas
working capital for Texas's independent smoke shops.
view funding options →vape shop financing in texas
funding through flavor rules and inventory shifts.
view funding options →tobacco shop loans in texas
advances for licensed tobacco retailers.
view funding options →head shop funding in texas
capital for glass and accessory retailers.
view funding options →hemp / cbd retailer funding in texas
bridge funding ahead of the federal ban.
view funding options →hookah lounge funding in texas
build-outs and working capital for lounges.
view funding options →how funding works in texas
apply
send three months of business bank statements and an ID. no credit pull to see options.
package
third-party providers set their own industry, state, and underwriting rules. submitting an inquiry does not guarantee a matching option.
decide
offers typically land in 24-72 hours. we walk you through cost, term, and remittance before you sign.
fund
once you accept, funds typically hit your account the same or next business day.
texas regulatory context
tobacco retail in texas is licensed through the texas comptroller of public accounts. the typical annual retail license fee runs $180. two-year retailer permit. renewable. texas has 254 counties, and local jurisdictions often add their own licensing or zoning requirements on top of the state layer.
texas has no statewide flavor ban, though no statewide flavor ban.
texas has a commercial financing disclosure law. texas hb 700, the commercial sales-based financing disclosure law, effective september 2025. requires registration with the texas office of consumer credit commissioner (occc) by december 31, 2026 for providers and brokers, with annual renewals. no de minimis exemption. businesses should confirm which providers, brokers, products, and transactions the law covers and review every required disclosure before signing.
hemp ban impact in texas
intoxicating hemp products like delta-8 are already banned in texas. texas reinstated its 2021 controlled-substance listing covering delta-8, delta-10, and other non-delta-9 thc isomers, enforceable from july 31, 2026. a federal challenge was filed the same day and an emergency restraining order was denied on august 9; a preliminary-injunction motion is pending. the separate dshs consumable-hemp rules remain on interlocutory appeal. texas has one of the largest hemp-derived cannabinoid economies in the country, with industry analysis projecting up to 40,000 job losses and $7.5 billion in economic impact from a ban. the dshs rule banning smokable thca hemp takes effect march 31, 2026 — ahead of section 781. texas does not have an adult-use cannabis program, limiting pivot paths for smoke shops.
our hemp ban 2026 guide covers what section 781 bans, what survives, and how shops nationwide are funding the pivot.
top metros we serve in texas
houston · san antonio · dallas · austin · fort worth · el paso
an estimated 3,800 smoke-shop-adjacent retailers operate in texas. we work with shops in every countie, not just the metros.
funding by situation in texas
most texas shops that call us are not in a generic situation — they are stacked, mid-pivot, covering payroll, or expanding. these pages cover how funders read each case:
opening a new shop in texas?
licensing comes before funding. our guide to getting a tobacco license in texas covers the issuing authority, typical fees, and the local permits that trip up new operators: tobacco license in texas →
funding in nearby states
texas funding questions
what should a texas business check before considering an mca?
merchant cash advance treatment depends on the agreement and applicable law. compare the amount received, total payback, payment frequency, reconciliation terms, collateral or receivables involved, personal guarantees, default provisions, broker compensation, and any required commercial-financing disclosures. obtain legal or accounting advice for the actual agreement.
should a texas smoke shop with an existing advance seek more financing?
often, yes — later positions get funded every day, but the math has to work. list every current balance and daily or weekly withdrawal, then compare the combined payment burden against your ordinary deposits and a slow week. if the combined pull does not leave room to operate, we will tell you that instead of pushing a deal.
how does the federal hemp ban affect texas shops?
less than in permissive states. texas has one of the largest hemp-derived cannabinoid economies in the country, with industry analysis projecting up to 40,000 job losses and $7.5 billion in economic impact from a ban. the dshs rule banning smokable thca hemp takes effect march 31, 2026 — ahead of section 781. texas does not have an adult-use cannabis program, limiting pivot paths for smoke shops.
how long can business financing take in texas?
it depends on the product and how complete your information is. revenue-based funding commonly moves in a few business days once a provider has what it needs; bank and equipment products take longer. sending accurate deposit and obligation details up front is the single biggest thing that speeds it up.
what should a texas shop have ready?
have three months of business bank statements and a current retail license ready — you will not send them through this form, and you should never email sensitive records to anyone before verifying the recipient. in texas licensing is handled through the texas comptroller of public accounts, where the typical annual fee runs $180. having those ready is what turns a first conversation into a real answer quickly.
see what your texas shop qualifies for
three months of bank statements and an ID. we'll tell you which funders fit your file and what range to expect.
check what you qualify for
four questions, no contact details, instant answer. nothing here is an offer — it is an estimate based on the published minimums at the funders we work with.
see what your shop qualifies for.
takes about 30 seconds. no credit pull, no documents yet — we just need a way to reach you.