Farm soil and a county seat
Woodland is the county seat of Yolo County. Its census population in 2020 was 61,032, across about 15.31 square miles, and its nickname is the City of Trees. Public sources trace its farming roots to irrigation work led by James Moore, which made the fertile soil workable and drew settlers to farm. In 1862, the county seat moved from Washington to Woodland after Washington flooded.
That mix of agriculture and county government shows up in daily business. Equipment dealers, seed and supply stores, repair shops, trucking and delivery, restaurants and professional offices all depend directly or indirectly on a farm calendar and a public-sector calendar.
Farm-calendar cash flow, step by step
Businesses tied to growing seasons spend in a long run-up and collect in a short window. A simplified order of events, with no local numbers implied:
- Pre-season: pay for supplies, repairs, labor contracts and insurance.
- Season: pay fuel and wages weekly while product moves.
- Harvest and delivery: invoices go out; payments arrive after processors and buyers close their books.
- Off-season: rent, loan payments and equipment storage continue with little coming in.
Even a business that does not farm, such as a diner or a parts counter, feels this rhythm because its customers do.
Equipment breakdowns do not wait
In farm country, a failed pump or tractor does not wait for payday. A repair shop that stocks parts, or a grower who needs a replacement unit, makes a purchase decision on the spot. When the cost is $25,000 or more, having working capital lined up beforehand matters more than the exact moment you apply. We fund from $25,000 up to $5,000,000, and funding can arrive in as little as 24 hours.
Reading your own numbers before you apply
Seasonal owners often judge the year by the harvest or the busy months and ignore the average. A better habit is to lay out twelve months on one page: money in, fixed costs, and the lowest cash balance you hit. That lowest point is the number that matters, because it is when a surprise cost turns into a crisis.
If your lowest balance is thin, working capital is easier to justify as a cushion with a plan behind it. If your lowest balance is negative several months a year, think harder about whether the pricing or the cost structure needs attention first. Funding can bridge a timing gap; it cannot repair a business that spends more than it earns.
Also decide in advance how much of each deposit you can commit to repayment without missing payroll or supplier payments. That figure, not the maximum amount available, should decide how much you request.
What we ask for
The application takes about five minutes and uses a soft credit pull. We consider FICO scores of 500 and above and ask for about three months of business bank statements. Tax returns are not required, and sole proprietors can apply. For a seasonal business, three months of statements may show a quiet stretch; explain it in the application, because the context helps the review.
Neighbors and the county
Many Woodland owners also sell in West Sacramento and Davis. Browse the Yolo County page and the Sacramento region page, or start your application now.