# Pinecroft Funding Group > Pinecroft Funding Group is a small-business funding broker at 244 N Guadalupe St, San Marcos, TX 78666 (phone (737) 365-4415). It helps businesses in San Marcos, TX; Kyle, TX; Wimberley, TX; Buda, TX; Lockhart, TX; Driftwood, TX; Manchaca, TX and across Hays County, Texas, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Pinecroft Funding Group connects you with lending partners; partners make credit decisions and set rates and terms. Pinecroft Funding Group is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Pinecroft Funding Group does not arrange personal, payday, auto title, mortgage or SBA loans, does not offer grants, does not offer Spanish-language service, and does not arrange funding for agriculture or trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 244 N Guadalupe St, San Marcos, TX 78666, United States - Phone: (737) 365-4415 - Apply: https://pinecroftfundinggroup.com/apply/ - Service area: San Marcos, TX; Kyle, TX; Wimberley, TX; Buda, TX; Lockhart, TX; Driftwood, TX; Manchaca, TX and all of Hays County, Texas - Language: English ## Funding options - [Business Funding Options Compared for San Marcos, Texas Owners](https://pinecroftfundinggroup.com/business-loans/): Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, compares six funding options on one page: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances, which are not loans. Each is set out by repayment, security and typical use; lending partners decide and price every offer. - [Working Capital Financing in San Marcos, TX: A Plain Guide for Hays County Owners](https://pinecroftfundinggroup.com/business-loans/working-capital/): Working capital financing is short-term business funding that pays operating bills, from wages to rent to supplier invoices, usually paid back in fixed installments within months. Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, helps Hays County owners size the shortfall and presents it to lending partners, which make the credit decision and set rates and terms. - [Business Term Loans in San Marcos, TX: A Plain Guide for Hays County Owners](https://pinecroftfundinggroup.com/business-loans/term-loans/): A business term loan is a lump sum repaid in scheduled installments of principal and interest over a fixed term, often used for build-outs, expansion and refinancing. Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, helps Hays County owners shape the request and presents it to lending partners, which make credit decisions and set rates and terms. - [Business Lines of Credit in San Marcos, TX: A Plain Guide for Hays County Owners](https://pinecroftfundinggroup.com/business-loans/line-of-credit/): A business line of credit is a revolving limit a business draws on as costs arise and repays as cash comes in, paying interest only on the balance outstanding. Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, helps Hays County owners decide if a line fits and presents the request to lending partners, which decide and set rates and terms. - [Inventory Financing in San Marcos, TX: A Plain Guide for Hays County Owners](https://pinecroftfundinggroup.com/business-loans/inventory-financing/): Inventory financing is business funding used to buy stock for resale, secured mainly by that stock and repaid as it sells. Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, helps Hays County retailers and wholesalers decide whether it fits their sales cycle and presents requests to lending partners, which make credit decisions and set rates and terms. - [Equipment Financing and Leasing in San Marcos, TX: A Plain Guide for Hays County Owners](https://pinecroftfundinggroup.com/equipment-financing/): Equipment financing is funding for a named piece of business equipment, secured by that equipment and repaid in fixed payments, through a loan, a lease or an equipment finance agreement. Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, helps Hays County owners compare the structures and presents requests to lending partners, which decide and set rates and terms. - [Merchant Cash Advances in San Marcos, TX: A Plain Guide for Hays County Owners](https://pinecroftfundinggroup.com/merchant-cash-advance/): A merchant cash advance is a purchase of a business's future receivables, not a loan: the funder pays a lump sum and collects a fixed total through a share of sales or regular debits. Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, helps Hays County owners compare advance offers with loan options; funders set all terms. ## Industries - [Business Financing by Industry in San Marcos, TX](https://pinecroftfundinggroup.com/industries/): 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. - [Contractor and Construction Financing in San Marcos, TX: A Hays County Owner's Guide](https://pinecroftfundinggroup.com/industries/construction/): Contractor financing covers the cash a construction business needs between paying crews and suppliers and collecting draws, plus the equipment it works with. Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, helps Hays County builders and specialty trades match working capital, credit lines and equipment financing to the job cycle; lending partners decide and set rates and terms. - [Restaurant and Food Service Financing in San Marcos, TX: A Hays County Owner's Guide](https://pinecroftfundinggroup.com/industries/restaurants/): Restaurant financing covers kitchen equipment, point-of-sale systems, remodels and the payroll and supplier costs of a food business between busy and slow weeks. Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, helps Hays County restaurant owners compare equipment financing, term loans, credit lines and working capital; lending partners decide and set rates and terms. - [Medical and Dental Practice Financing in San Marcos, TX: A Hays County Owner's Guide](https://pinecroftfundinggroup.com/industries/medical-dental/): Medical and dental practice financing covers clinical equipment, office build-outs and the working capital a practice needs while insurance claims are paid. Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, helps Hays County physician, dental and other outpatient practices compare equipment financing, term loans and credit lines; lending partners decide and set rates and terms. ## Guides and calculators - [Business Funding Guides and Calculators for San Marcos, TX Owners](https://pinecroftfundinggroup.com/resources/): Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, publishes local guides for Hays County owners: a directory of free small business help, a contractor registration and permit checklist for San Marcos, TX, and a medical equipment payment calculator, plus blog notes on leases, renovations and equipment terms. None of it is an offer of credit. - [Free Small Business Help in San Marcos, TX and Hays County, TX](https://pinecroftfundinggroup.com/resources/hays-county-small-business-resources/): Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, lists free and public help for Hays County owners: the Small Business Development Center network, the SBA San Antonio District Office, the Texas Secretary of State and Comptroller, and the City of San Marcos. None is affiliated with Pinecroft; use them before or alongside any funding request. - [San Marcos, TX Contractor Registration, Building Permits and Zoning: A Checklist Before You Bid or Borrow](https://pinecroftfundinggroup.com/resources/san-marcos-tx-contractor-registration-and-permits/): Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, sets out a checklist for contractors and owners before they bid or borrow: confirm the address's jurisdiction, contractor registration, building permits and zoning with the City of San Marcos, entity status with the Texas Secretary of State, and the documents lending partners request for a job. - [Medical Equipment Payment Calculator for Hays County, TX Practices](https://pinecroftfundinggroup.com/resources/medical-equipment-loan-calculator/): This medical equipment loan calculator works out the monthly payment and total cost, including the down payment, of financing a device from its price, down payment, interest rate and term. Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, provides it for Hays County practices as illustrative arithmetic, not an offer or estimate of terms. ## Areas served - [Starting or Growing a Business in San Marcos, TX: Funding and Local Facts](https://pinecroftfundinggroup.com/san-marcos-tx/): Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, works from 244 N Guadalupe St. ZIP 78666 had 1,880 employer establishments in 2023, led by retail and food service (Census ZBP), and Hays County had 5,891. Owners can call (737) 365-4415; lending partners make every credit decision and set rates and terms. - [Areas We Serve Around San Marcos, TX](https://pinecroftfundinggroup.com/service-areas/): Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, works with owners in nearby towns including Kyle, Wimberley, Buda, Driftwood, Lockhart in Caldwell County and Manchaca in Travis County. Each town's page uses Census figures for its own ZIP code. Approval and pricing stay with the lending partner, never with Pinecroft. - [Business Financing in Kyle, Texas](https://pinecroftfundinggroup.com/service-areas/kyle-tx/): Kyle, TX owners can reach Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, by phone or online. ZIP 78640, Kyle's postal ZIP, had 1,025 employer establishments in 2023, led by construction and health care (Census ZBP). Approval and pricing stay with the lending partner, never with Pinecroft. - [Business Financing in Wimberley, Texas](https://pinecroftfundinggroup.com/service-areas/wimberley-tx/): For Wimberley, TX owners, Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, works entirely by phone and online. ZIP 78676, Wimberley's postal ZIP, had 531 employer establishments in 2023, and 64.0 percent had fewer than five employees (Census ZBP). Approval and pricing stay with the lending partner, never with Pinecroft. - [Business Financing in Buda, Texas](https://pinecroftfundinggroup.com/service-areas/buda-tx/): Buda, TX owners phone or apply online with Pinecroft Funding Group, a small-business funding broker in San Marcos, TX. ZIP 78610, Buda's postal ZIP, had 1,004 employer establishments in 2023, 191 of them in construction, and about $734.6 million in annual payroll (Census ZBP). Approval and pricing stay with the lending partner, never with Pinecroft. - [Business Financing in Lockhart, Texas](https://pinecroftfundinggroup.com/service-areas/lockhart-tx/): Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, works with Lockhart, TX owners in Caldwell County by phone and online. ZIP 78644, Lockhart's postal ZIP, had 407 employer establishments in 2023, led by construction and retail (Census ZBP). Approval and pricing stay with the lending partner, never with Pinecroft. - [Business Financing in Driftwood, Texas](https://pinecroftfundinggroup.com/service-areas/driftwood-tx/): Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, serves Driftwood, TX owners by phone and through its online form. ZIP 78619, Driftwood's postal ZIP, had 164 employer establishments in 2023, and 68.3 percent had fewer than five employees (Census ZBP). Approval and pricing stay with the lending partner, never with Pinecroft. - [Business Financing in Manchaca, Texas](https://pinecroftfundinggroup.com/service-areas/manchaca-tx/): Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, works with Manchaca, TX owners in Travis County by phone and online. ZIP 78652, Manchaca's postal ZIP, had 153 employer establishments in 2023, led by construction, and 64.7 percent had fewer than five employees (Census ZBP). Approval and pricing stay with the lending partner, never with Pinecroft. ## Company - [Business Funding Broker for San Marcos, TX and Hays County](https://pinecroftfundinggroup.com/): Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, never lends from its own funds. From 244 N Guadalupe St it helps owners in Hays County and nearby towns compare six funding options and passes each request to lending partners, which approve or decline it and set every rate and term. Call (737) 365-4415. - [From Application to Offer: How a San Marcos, TX Funding Broker Works](https://pinecroftfundinggroup.com/how-it-works/): Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, handles requests in four steps: a first call about the purpose, a match to the right funding type, a lending partner's review and decision, and the owner's choice. The broker never lends or prices; partners make credit decisions and set rates and terms. - [Business Funding Questions From San Marcos, TX Owners](https://pinecroftfundinggroup.com/faq/): Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, answers common funding questions here: who decides on requests, what the form collects, whether an LLC can apply, paying yourself from a loan, personal loans for a business, merchant cash advances, and where to find free help in Hays County. - [Request Business Funding Options in San Marcos, TX](https://pinecroftfundinggroup.com/apply/): Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, starts every request with a short form (contact details, business name and three range picks) and a phone call about what the money is for. Lending partners make every credit decision and set rates and terms; sending the form does not commit you to anything. - [About Pinecroft Funding Group, a Business Funding Broker in San Marcos, TX](https://pinecroftfundinggroup.com/about/): Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, is a broker, not a lender. From 244 N Guadalupe St it explains six funding options to Hays County owners and introduces requests to lending partners, which make every credit decision and set rates and terms. It arranges no consumer, agriculture or trucking funding. - [Contact Pinecroft Funding Group in San Marcos, TX](https://pinecroftfundinggroup.com/contact/): Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, is at 244 N Guadalupe St, San Marcos, TX 78666, phone (737) 365-4415. Owners can call or send a short online form and get a call back. Pinecroft is a broker, not a lender; lending partners make the credit decisions. - [Broker Disclosures for Pinecroft Funding Group, San Marcos, TX](https://pinecroftfundinggroup.com/disclosures/): Pinecroft Funding Group, a small-business funding broker in San Marcos, TX, is a broker, not a lender. Each request it prepares is decided and priced by a lending partner, a merchant cash advance is not a loan, and this page records how information and consent to calls and texts are handled. ## Optional - [Full text of every page](https://pinecroftfundinggroup.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://pinecroftfundinggroup.com/sitemap.xml)