
H-E-B hype grows as North Texas welcomes more stores
But it's not just about what's on the shelves that has made H-E-B so popular with Texans.
It's making its mark with something money can't buy: Heart.
H-E-B has become known for its large stores, loyal employees and customers, and the kind of excitement that inspires people to line up at 4 a.m. to be among the first inside a new location.
To understand the hype, CBS News Texas spoke with Juan-Carlos Ruck, executive vice president of H-E-B's North West Food Drug Retail Division.
"So between prices, freshness, and customer service, and this idea of great culture," Ruck said, "You can buy grapes anywhere or apples anywhere, but go ahead and find brisket queso the way we make brisket queso or salsa the way we make it."
H-E-B's roots are as Texan as its recipes. In 1905, Florence Thornton Butt opened a one-room grocery store in Kerrville with a $60 loan. When deadly floods recently hit that same community, H-E-B responded quickly.
"By now it's just instinct, let's go help people," Ruck said. "I'll be honest, if it had been another town miles away, it wouldn't have been the same. Our trucks would have been on the road."
Ruck said H-E-B has responded to hurricanes and other disasters, but this tragedy hit close to home.
"Here in DFW, I had a partner whose family passed away, and he was a partner from my Odessa store," Ruck said. "What we found and what we realized was that we had people impacted across H-E-B land, and we paid for funerals, we gave food to the families."
The company donated $5 million to flood relief efforts, with $2 million going directly to Kerrville, the town where H-E-B began.
"When disaster happens, we don't just write an email and ask for a budget and how much we can spend," Ruck said. "We just go act and know that you're doing the right thing."
That same commitment to service is behind H-E-B's growth. The company now operates more than 430 stores across Texas and Mexico. Over the last decade, it has planted roots in North Texas, with 14 stores open across DFW—including a new location in Prosper that opened this week.
"It's not every day you look up to an area of the state and know 8 million people are waiting for an H-E-B," Ruck said. "So it's a nice business opportunity."
Seven more stores are on the way, with land already purchased in Dallas and Sherman.
As for expanding outside the state, Ruck said it's not likely anytime soon.
"You know that's the million-dollar question," he said. "Here's what I'll say—it took us 120 years just to get in DFW. It might take us quite a bit of time to handle the growth here and elsewhere, so you don't have to worry about any betrayal."
Hashtags

Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Yahoo
41 minutes ago
- Yahoo
An iconic mall chain store just filed for bankruptcy
Here's what the move means for your shopping future. Maybe you spent your teen years getting your ears pierced at Claire's or browsing butterfly clips and mood rings with friends at the mall. Or, if you're like me, maybe you took your 11-year-old daughter to get her ears pierced there just last month. Whatever your personal history with Claires, you might want to brace for some sentimental heartbreak. On August 6, Claire's Holdings LLC announced it has filed for Chapter 11 bankruptcy in the U.S., with plans to pursue similar proceedings in Canada under the CCAA. The company, which operates the beloved Claire's and Icing retail chains across North America, said it's initiating the process to "maximize the value of its business" amid growing economic pressures, according to a press release. CEO Chris Cramer cited in the release 'increased competition, consumer spending trends, and the ongoing shift away from brick-and-mortar retail' — along with the company's existing debt — as reasons for the decision. 'This decision is difficult, but a necessary one,' he said. Still, Claire's emphasized that all retail stores and its website will remain open throughout the restructuring. The company will continue to pay employees and work with vendors and landlords as it navigates this next phase, including ongoing conversations with potential strategic and financial partners. This is the second time Claire's has filed for bankruptcy; the first was in 2018. While Claire's hasn't announced store closures yet, the move signals a larger trend affecting legacy mall brands — and leaves loyal fans wondering what the future of this iconic retailer will look like. Solve the daily Crossword
Yahoo
2 hours ago
- Yahoo
Holding cash in case a bear market hits? Here's where and when to invest if stocks plunge.
Deploying cash during a bear market can be difficult as fear sets in. It's smart to have a plan — don't enter the market all at once, and don't panic. Experts suggest buying quality dividend stocks and large-cap tech if a bear market comes around. If you've been building up a big cash reserve over the last few years, you're not alone. You're also probably not alone in wishing you'd had the money in stocks. Cash has generated meaningful yields since 2022 after the Federal Reserve went on a rate-hike spree, drawing record amounts into money market funds. The total value in money market funds — highly liquid, cash-equivalent assets that generate yield from short-term bonds — is at a record $7.3 trillion. About $2.1 trillion is held by retail investors. Even stock-investing icon Warren Buffett holds a record cash position worth nearly $350 billion as of March. But stocks have ripped higher in the meantime. The S&P 500 is up 80% since its October 2022 low. It's been difficult to know when to get into the market, though. With the stock market consistently hitting new highs and valuations historically elevated in recent years, you might have been waiting for a good opportunity to put that cash to work in equities, waiting for a dip to buy. If you missed the April plunge, you might still be doing so. It's not necessarily a bad approach. Goldman Sachs said this week that the chance of a stock-market pullback has jumped. In fact, stocks are so expensive that Vanguard said this mont that its ideal portfolio over the next 10 years is a very conservative allocation of 70% bonds and 30% stocks. The cheaper the entry point, the better the returns. But timing the market is tricky and something market pros usually advise against trying. No one knows how long a bull rally can go or how long an eventual pullback will last. That's why the best course of action is probably to dollar-cost-average, continuing to put money into the market at set intervals, whether the market is up or down. However, if you are resolved to waiting for a significant decline to enter the market, it's a good idea to have a plan set in place before that moment arrives. When and what to buy Though bear markets in recent years have been short-lived, the average bear market going back to 1932 has seen a 35.1% drawdown that lasts a year and a half, according to investment bank Stifel. So take it slow, says brokerage firm Charles Schwab. "Instead of going all in at once, one might consider buying small chunks at a time," Charles Schwab said in an August 6 post. But not too slow, said Hank Smith, the director and head of investment strategy at Haverford Trust. There's no way to tell when the bottom is in, so you want to start taking advantage of the pullback once it hits 10% correction territory, he said. It may hurt if the market ends up falling further than 10%, Smith said, but being indecisive about when to get in can result in missed opportunities. Remember the 19.9% decline in the S&P 500 from February to April? The pain was over in the blink of an eye, with the index back at all-time highs before the end of June — and the rally has been furious, with the market up 30% since April lows. So if the market does continue to drop, it's time to get even more aggressive, Smith said. "Let's say that correction morphs into a bear market of 20%, and now you're kicking yourself that you put any in at down 10%. You can't do that," Smith told Business Insider. "You have to say, 'Ok, this is another opportunity to tranche in again,' and probably with more than you did at down 10%." As for areas of the market to buy, it's difficult to know which sectors and themes will get beaten up the most. But Schwab said it's good to take a diversified approach and start buying all corners of the market. "Interestingly enough, traders can diversify their portfolios with as few as 12 stocks, targeting stocks in all major sectors," the firm said. "Although diversification doesn't eliminate the risk of experiencing investment losses, it can help increase the chances of capturing better-performing assets and avoid the risk of losing overall portfolio value to any single business, industry, or sector." Quality dividend stocks can also provide a good buffer to market losses, Merrill and Bank of America Private Bank said in a 2024 report. Smith said that economically sensitive sectors usually make for some of the best opportunities coming out of a recessionary bear market, as they dip during downturns and rebound when the economy recovers. Funds like the Fidelity MSCI Consumer Discretionary Index ETF (FDIS) and the Invesco Dorsey Wright Consumer Cyclicals Momentum ETF (PEZ) offer exposure to cyclical stocks. But he also said large-cap tech stocks are likely to drop the most because of how high their valuations are. If that's the case, it will likely be a good chance to add exposure to them, he said. "That's very common in high-growth stocks to have big sell-offs in what is a longer-term bull trend," Smith said. "That is where an investor with a lot of cash waiting for a significant decline in the market should look to." Read the original article on Business Insider Error while retrieving data Sign in to access your portfolio Error while retrieving data Error while retrieving data Error while retrieving data Error while retrieving data
Yahoo
2 hours ago
- Yahoo
Best No Credit Check Business Financing Demand Rises as ROK Financial Expands Access to Small Business Loans in 2025
The best no credit check business financing options in 2025 are gaining momentum as small business owners face tighter traditional lending standards and rising uncertainty in the economy. ROK Financial is meeting this demand with flexible loan programs, instant pre-approvals, and expanded access to capital for entrepreneurs across industries. By offering a range of solutions — from working capital and SBA loans to equipment and real estate financing — the company reflects a larger movement toward credit-independent funding that aligns with modern business needs. Austin, Aug. 16, 2025 (GLOBE NEWSWIRE) -- The information below is provided for general informational purposes only and does not constitute financial or professional advice. Funding availability, terms, and approval times may vary by applicant and lender. Always confirm details directly with the official provider before applying for financing. If you apply through links in this article, the publisher may earn a commission at no additional cost to you. Best No Credit Check Business Financing Demand Rises as ROK Financial Expands Access to Small Business Loans in 2025 Small business owners in 2025 face growing challenges securing traditional credit, driving demand for the best no credit check business financing options available today. ROK Financial positions its flexible funding programs as part of a wider movement toward alternative lending solutions that meet entrepreneurs where they are. From instant pre-approvals to expanded small business loan access, the company reflects a trend reshaping how owners approach capital needs. With economic uncertainty pressing harder than ever, credit-independent financing continues to draw attention nationwide. Across industries, the appetite for faster approvals, flexible repayment terms, and funding paths outside conventional banks is shaping the conversation. Entrepreneurs are exploring alternatives that keep operations steady without waiting months for traditional underwriting. This is where ROK Financial steps forward, aligning its suite of programs with shifting business priorities. Owners can now compare multiple loan types, from term loans and SBA financing to equipment or commercial real estate lending, all under one trusted source. Explore Small Business Financing Options with . Earlier press releases from ROK Financial, including and , have already emphasized the company's focus on credit-independent lending. These announcements align with wider business finance discussions, where small business owners continue to seek flexible solutions in uncertain conditions. Section 1: Why Interest in Best No Credit Check Business Financing Is Surging in 2025 The conversation around business financing in 2025 is being shaped by several undeniable pressures. Rising interest rates, tightened bank lending standards, and ongoing economic uncertainty have forced many small business owners to search for solutions outside traditional credit channels. In this environment, the best no credit check business financing options are drawing record levels of attention. Search data points to this surge in interest. Queries for 'business loan with no credit check,' 'fast small business funding,' and 'alternative business financing' have grown steadily in recent months. Online forums, business communities, and resource hubs reflect the same trend: owners are asking how to secure capital quickly without risking rejection due to imperfect credit scores. The momentum is not confined to one industry. Restaurants recovering from pandemic-era challenges, contractors bidding for new projects, retailers adjusting to digital-first competition, and logistics firms coping with supply chain volatility are all looking for ways to stabilize cash flow. This shift is also cultural. Business creators, side hustlers, and startup founders are more familiar with fintech platforms than with local bank officers. They expect funding to be accessible, digital-first, and responsive in days rather than months. The demand is not driven solely by desperation but by a recognition that the old model of credit-heavy lending no longer meets the realities of modern business operations. ROK Financial reflects this shift by presenting owners with practical entry points into credit-independent lending. Its platform allows business owners to compare term loans, lines of credit, SBA programs, and specialized financing types with a single application. For many, the availability of multiple choices without the weight of a high credit threshold makes the difference between delaying growth and moving forward. Section 2: No Credit Check Business Financing as a Response to This Shift The rise in demand for the best no credit check business financing has forced providers to rethink how they structure lending opportunities. Traditional banks often rely on rigid approval models that filter out many small business owners who have limited credit history or who carry scores below prime thresholds. This has left entrepreneurs searching for lenders who can respond to real-world challenges without creating impossible barriers. ROK Financial has positioned its platform as one of the answers to this shift. Rather than tying every approval to an applicant's credit score alone, the company evaluates the broader picture of business performance. Monthly revenue, time in business, and operational strength are given equal weight in determining funding eligibility. This approach is designed to give owners more than a single pathway toward capital. By offering multiple product types — from term loans and working capital to SBA loans and equipment financing — the platform empowers businesses to select what matches their immediate priorities. The application process mirrors the fast-paced environment small business owners operate in. Secure pre-approval can be obtained in seconds, offering a realistic view of potential funding without the drawn-out uncertainty common in bank interactions. Many owners view this as a relief in an era where time lost waiting for traditional underwriting can translate into missed opportunities. For example, a contractor needing equipment to take on a new project or a retailer planning an expansion cannot afford to pause for months. Flexible, credit-independent programs fill this gap. This shift also reflects a broader change in expectations. Business financing is no longer judged solely on interest rates but also on the accessibility of funds, the range of available terms, and the speed of disbursement. With approvals ranging from $10,000 up to $5 million and timelines measured in days rather than weeks, programs like those at ROK Financial represent an adjustment to market realities. For entrepreneurs who might otherwise be excluded from growth opportunities, these pathways provide a functional bridge between ambition and execution. Section 3: Inside the Platform, Program, or Service The discussion around the best no credit check business financing is not abstract — it comes down to the practical options available to owners navigating daily cash flow and long-term growth. ROK Financial structures its platform around multiple lending categories so that businesses can align funding with their unique circumstances. Each option carries its own balance of flexibility, timelines, and ranges, giving entrepreneurs the ability to choose what fits rather than accept a one-size-fits-all product. Term Loans and Working CapitalThese loans are often used by companies planning expansions, purchasing equipment, or covering short-term expenses. ROK Financial makes these loans available from $10,000 up to $5 million, with terms ranging from six months to ten years. The timeline for funding is fast, usually between one and three days. For businesses needing upfront capital with the ability to seek additional funding later, this category provides a straightforward entry point. Business Lines of CreditLines of credit are designed for owners who want ongoing flexibility rather than a single lump-sum disbursement. Businesses can draw as needed, repay, and then draw again. ROK Financial offers credit lines in the same $10,000 to $5 million range, with funding often released in one to three days. This appeals to owners who must manage cyclical expenses, seasonal dips, or rolling investment opportunities. SBA LoansSmall Business Administration programs remain an anchor in the financing world, yet they can be difficult to access through traditional banks. ROK Financial simplifies the process, offering SBA loans from $10,000 up to $5 million, with extended terms between ten and twenty-five years. Funding typically takes thirty to forty-five days, reflecting the additional paperwork required. For owners willing to plan ahead, SBA loans provide longer repayment timelines and government-backed support. Equipment FinancingCompanies in construction, logistics, healthcare, and manufacturing often face the challenge of securing equipment that can generate revenue but requires significant upfront cost. ROK Financial provides equipment financing in the range of $10,000 to $5 million, with terms spanning one to six years. Funding is often available in two to five days, giving owners a rapid path to acquiring essential assets without disrupting cash flow. Accounts Receivable and Purchase Order FinancingBusinesses with outstanding invoices or incoming purchase orders frequently need liquidity before payments arrive. ROK Financial supports accounts receivable and PO financing starting at $100,000 and scaling higher for industries such as trucking, oil and gas, construction, staffing, and medical services. These programs allow businesses to leverage aged invoices, often within two to five days, turning future receivables into present capital. Commercial Real Estate FinancingFor companies investing in property, ROK Financial provides commercial real estate loans ranging from $250,000 to $10 million. Terms extend from ten to thirty years, with funding available in approximately twenty-five to forty days. These loans are used for purchasing or refinancing properties, enabling businesses to secure long-term assets with structured repayment plans. By presenting this full suite of lending products, ROK Financial underscores the shift toward credit-independent flexibility. Owners are no longer forced to fit into a narrow lending box. Instead, they can evaluate multiple options, match funding type to their specific needs, and move forward without the delays and restrictions often associated with traditional credit channels. Section 4: What Online Users Are Saying About This Category The growing focus on the best no credit check business financing is visible across digital communities where entrepreneurs share their experiences and concerns. In forums dedicated to small business operations, owners frequently compare how fast alternative lending decisions arrive compared to traditional banks. Many describe the relief of receiving approvals in days instead of waiting weeks for conventional underwriting. On platforms such as TikTok and YouTube, creators discuss the broader appeal of financing options that do not depend exclusively on credit history. They emphasize the convenience of pre-approval tools and the accessibility of loans structured around revenue rather than personal scores. These conversations do not present guarantees but reflect genuine curiosity about how alternative lending works in practice. Podcasts and business-focused livestreams echo the same sentiment. Listeners are drawn to discussions about flexibility, particularly when experts note that credit-independent financing helps businesses stay operational during periods of economic pressure. While skepticism exists — especially around repayment terms and long-term sustainability — the cultural conversation illustrates that owners are increasingly open to exploring models beyond conventional bank financing. By analyzing these discussions, it becomes clear that demand for solutions like those offered by ROK Financial is not only practical but cultural. Entrepreneurs are reshaping expectations about how funding should work, and they are vocal about the need for speed, transparency, and accessibility. This online sentiment adds context to the surge in searches and applications for no credit check business financing, underscoring why the category continues to expand in 2025. Section 5: Who Might Gravitate Toward This Product in 2025 The appeal of the best no credit check business financing spans multiple industries and business stages. While every company has unique circumstances, several groups stand out as particularly aligned with flexible, credit-independent lending solutions. Entrepreneurs in fast-growth sectors often look for capital that keeps pace with their opportunities. Whether launching a new location, funding inventory, or expanding digital operations, these owners need access to funding that arrives quickly and adapts to evolving revenue streams. Traditional banks frequently struggle to meet this timeline, making platforms like ROK Financial more relevant than ever. Small businesses operating in industries with fluctuating cash flow also find value in alternative lending. Contractors, trucking companies, seasonal retailers, and restaurants often experience peaks and valleys that require capital at irregular intervals. For these owners, the ability to secure a line of credit or short-term financing without being judged solely on credit scores provides meaningful stability. Another group includes long-standing businesses that might have strong revenue but imperfect credit. These companies are often overlooked by conventional lenders despite proving consistent performance over time. By expanding qualification criteria beyond personal credit, ROK Financial enables these established businesses to pursue investments, hire staff, or upgrade equipment with greater confidence. Finally, startups and early-stage companies may explore alternative financing as a bridge toward larger opportunities. While they may not yet qualify for traditional SBA programs, revenue-based lending offers a foothold that helps them build momentum. With as little as six months in business and $10,000 in monthly sales, a young company can establish credibility and prepare for larger financing rounds in the future. Entrepreneurs in this position can in minutes through a streamlined pre-approval. In every case, the thread remains the same: business owners want funding designed for their realities, not a system that excludes them for falling outside rigid credit boundaries. This alignment is why credit-independent lending continues to expand as a defining trend in 2025. Section 6: Market Category Reflections – Why This Niche Is Expanding The rise of the best no credit check business financing is not an isolated trend. It is part of a larger shift in how business owners approach capital in an economy defined by volatility, technology adoption, and changing consumer behavior. Several forces are combining to expand the niche at an accelerated pace. One driver is the tightening of traditional credit. Banks remain cautious after years of economic uncertainty, raising barriers for small business borrowers. Higher minimum credit scores, longer approval timelines, and reduced lending appetite have left many entrepreneurs with few options. This gap has created space for credit-independent models to emerge and grow. Another factor is the growing role of fintech. Business owners are comfortable with digital-first tools, from accounting platforms to payroll systems, and they expect the same speed and simplicity from financing providers. Pre-approval processes that take seconds, transparent dashboards that show available terms, and flexible repayment schedules all reflect the broader fintech mindset. Cultural attitudes also contribute. A new generation of entrepreneurs is less tied to the idea that banks are the only source of legitimacy in lending. Instead, they prioritize outcomes: how quickly capital can be accessed, how repayment fits into cash flow, and whether the financing supports sustainable growth. This shift in thinking further normalizes the exploration of credit-independent lending. The broader financial conversation reflects these themes. Terms such as 'alternative lending,' 'digital-first funding,' and 'credit-independent financing' continue to rise in visibility across search engines and industry blogs. Owners are not only seeking funding; they are seeking options that match the realities of running a business in 2025. For ROK Financial, this environment reinforces its positioning. By offering multiple product types — from term loans and lines of credit to SBA, equipment, and commercial real estate financing — the company is aligned with where the market is heading. Business owners searching for alternatives beyond conventional credit paths are increasingly finding solutions within platforms designed around accessibility and speed. Those evaluating next steps can to see how different programs align with their needs. The niche continues to expand not because it is trendy but because it reflects real business requirements. As long as economic pressures persist and traditional credit remains restrictive, no credit check financing will remain a central part of the small business funding conversation. Section 7: Public Debate – Supporters, Skeptics, and the Signals Behind the Buzz The rapid growth of the best no credit check business financing has generated both support and skepticism in public discussions. Entrepreneurs, analysts, and community voices continue to weigh in, shaping the perception of credit-independent lending. Supporters often frame these programs as an essential lifeline for small businesses. They highlight how faster approvals and flexible qualification criteria allow owners to stay competitive in industries where timing matters. Many business owners share experiences of losing contracts or delaying expansions because traditional banks would not provide capital quickly enough. To supporters, alternative financing is not just convenient; it is critical to maintaining business momentum. Skeptics focus on questions about sustainability and long-term costs. Some argue that owners should be cautious about repayment structures and ensure that borrowed capital is matched with revenue growth. Critics warn against treating alternative lending as a blanket solution for all companies, pointing out that businesses still need to manage debt responsibly. This perspective adds balance to the conversation, reminding owners that financing decisions carry consequences. Neutral observers note that public forums remain divided. In Reddit threads, online Q&A sessions, and business webinars, participants explore both the opportunities and the risks. The consistent theme is curiosity: owners want to know how credit-independent programs work, whether they are accessible to businesses with limited history, and how they compare to conventional loans. For ROK Financial, these conversations demonstrate the importance of transparency. By clearly outlining terms, timelines, and eligibility requirements, the company provides owners with information to make informed choices. The availability of multiple loan types on one platform helps balance the debate, since businesses are able to select the structure that best fits their needs. The public debate will continue as the category grows, but what remains clear is that no credit check business financing has moved from a niche option to a mainstream consideration. The signals behind the buzz show both optimism and caution, reflecting a healthy marketplace where owners evaluate their options with increasing sophistication. Section 8: About ROK Financial ROK Financial has built its mission around expanding access to business financing in ways that align with real-world challenges. From its headquarters in New York, the company provides small business and commercial lending solutions designed to help owners move forward with clarity and confidence. By combining multiple product types into one platform, ROK Financial allows entrepreneurs to compare options, secure funding, and plan growth strategies without navigating disconnected providers. The company's values extend beyond transactions. Through its partnership with Feeding America, ROK Financial has helped provide more than one million meals to families in need. With each successful transaction, additional meals are donated, reinforcing the company's role as a financial partner that also invests in community support. This social commitment reflects a broader belief that business financing should contribute not only to economic growth but also to social responsibility. Transparency and accessibility remain central to the company's approach. Clear eligibility requirements, straightforward timelines, and responsive customer service set expectations for owners before they begin the application process. This emphasis on honesty and clarity aligns with the public demand for financial institutions that prioritize long-term relationships over short-term gains. Entrepreneurs seeking a financing partner built around trust, speed, and flexibility can to learn more about available programs and services. Section 9: Contact ROK Financial Email: info@ Phone: (833) 3-ROKBIZ Website: Section 10: Final Disclaimer This press release is for informational purposes only. The content herein does not constitute financial, legal, or medical advice. No Credit Check Business Financing is not intended to diagnose, treat, predict, or guarantee any result or outcome. Individual experiences may vary, and outcomes are not assured. Some links in this release may be promotional in nature and may lead to third-party websites. The publisher or author may receive compensation through affiliate commissions if a purchase is made through these links. This compensation does not affect the price you pay and helps support continued research and content publication. All statements made about product features, platform strategies, or financing content reflect publicly available information, user discussions, or historical trends, and are not endorsed or validated by regulatory bodies. Please perform your own research before making financial or purchasing decisions. CONTACT: Email: info@ Phone: (833) 3-ROKBIZ