Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, groups its guidance by the four sectors its lending partners have confirmed they fund: construction, restaurants, medical and dental practices, and retail and inventory-heavy businesses. Each page uses Hays County Census figures and matches typical needs to funding types; partners decide and set rates and terms.
Hays County, TX employers by sector
Hays County had 5,891 employer establishments in 2023. Construction led with 764, followed closely by professional, scientific and technical services (739) and retail trade (737); accommodation and food services had 601 and health care and social assistance 572 (U.S. Census Bureau, County Business Patterns 2023). Retail carried the largest payroll of any sector, about $572.9 million, with health care and construction close behind at about $528.9 million and $520.5 million.
Which funding tends to fit which sector
| Sector | Usual first conversation | Often also |
|---|---|---|
| Construction and trades | Working capital or a credit line between draws | Equipment financing for machines and trailers |
| Restaurants and food service | Equipment financing for kitchen gear | Term loans for remodels; working capital for payroll |
| Medical and dental practices | Equipment financing for clinical devices | Bridging the wait for insurance payments |
| Retail and wholesale | Inventory financing | Lines of credit; term loans for a finish-out |
These are tendencies, not rules. Your own revenue pattern and costs decide what fits.
Contractors and specialty trades
Construction is the county's largest sector by count, and two-thirds of those firms are small. Contractor and construction financing covers draws, retainage, equipment and payroll.
Restaurants and food service
Hays County's food service locations average about 26 paid employees each, roughly twice the county-wide average (Census CBP 2023). Restaurant financing covers kitchens, remodels and payroll between busy and slow weeks.
Medical and dental practices
Ambulatory health care, which includes physician and dental offices, counted 414 employer establishments in the county. Medical and dental practice financing covers equipment and the wait for claims.
Retailers and wholesalers
Retail trade had 737 employer establishments in Hays County in 2023 and wholesale trade 213 (U.S. Census Bureau, County Business Patterns 2023). Both tie up cash in stock before it sells; that is what inventory financing is for, and a dedicated retail page is planned.
Businesses outside these sectors
Partners fund other kinds of businesses as well, but agriculture and trucking are not among the sectors they have confirmed to us, so we do not take those requests. For anything else, start with the six funding options compared. County-wide figures are on our San Marcos, TX page.
By Pinecroft Funding Group · Updated