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.
| Office address | 244 N Guadalupe St, San Marcos, TX 78666 |
|---|---|
| Counties the city spans | Hays County, Caldwell County and Guadalupe County |
| ZIP 78666 employers | 1,880, with 34,315 paid employees (Census ZBP 2023) |
| Largest sector in 78666 | Retail trade, 393 establishments |
| Hays County employers | 5,891, of which 57.2% had under 5 employees (Census CBP 2023) |
| Self-employed residents | 7.5% of employed San Marcos, TX residents, +/- 1.4 (ACS 2020-2024) |
| Phone | (737) 365-4415 |
San Marcos, Texas, across three counties
There is also a San Marcos in California, a larger city, and searches for permits, chambers or business licenses often land there. This site is about San Marcos, Texas. Most of the city lies in Hays County, but its limits also reach into Caldwell County and Guadalupe County (U.S. Census Bureau 2020 geographic codes). That is why figures for Hays County describe the county around the office, not the city itself, and why this page leans on the office ZIP code and city-level survey data where they exist.
The office ZIP code, 78666
ZIP 78666 is much larger than the city: only about 16.8 percent of the ZIP's land lies inside San Marcos, TX city limits (U.S. Census Bureau 2020 ZIP code tabulation area relationship files). Read the counts below as describing the postal area around the office.
In 2023, ZIP 78666 had 1,880 employer establishments with 34,315 paid employees and about $1.56 billion in annual payroll. Of those establishments, 46.6 percent had fewer than five employees, a smaller share than the 57.2 percent for Hays County as a whole (U.S. Census Bureau, ZIP Code Business Patterns 2023; U.S. Census Bureau, County Business Patterns 2023).
| Sector | Employer establishments | Share under five employees |
|---|---|---|
| Retail trade | 393 | 28.0% |
| Accommodation and food services | 279 | 22.6% |
| Health care and social assistance | 189 | 45.0% |
| Other services | 148 | 59.5% |
| Construction | 141 | 64.5% |
| Professional, scientific and technical services | 141 | 71.6% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Shops and restaurants dominate the office ZIP, and relatively few of them are tiny: fewer than three in ten have under five employees. Larger staffs mean larger payrolls to cover between sales, and storefronts that need finishing out and re-equipping.
Hays County, TX around the city
Hays County had 5,891 employer establishments in 2023, employing 76,995 people with about $3.58 billion in annual payroll (U.S. Census Bureau, County Business Patterns 2023). Construction led by count with 764 establishments, followed by professional, scientific and technical services with 739 and retail trade with 737. Another 27,784 businesses in the county had no paid employees in 2024 (U.S. Census Bureau, Nonemployer Statistics 2024); that is a separate program and year, so the two totals should not be added together.
Building activity is visible in permits as well: Hays County authorized 5,011 new privately owned housing units in 2023, 5,405 in 2024 and 4,595 in 2025 (U.S. Census Bureau, Building Permits Survey, county annual files). Those are residential units only, but they help explain why contractors make up the county's largest group of employers.
Self-employment in San Marcos, TX
An estimated 7.5 percent of employed San Marcos, TX residents were self-employed, plus or minus 1.4 points, compared with 10.3 percent (plus or minus 0.9) in Hays County and 10.5 percent (plus or minus 0.1) in Texas (U.S. Census Bureau, American Community Survey 2020-2024). The ranges do not overlap, so self-employment is less common among city residents than in the county or the state. About 1.8 percent ran an incorporated business of their own and 5.7 percent an unincorporated one.
What local sectors tend to ask for
- Retailers buy stock ahead of busy stretches and finish out leased space; inventory financing and term loans come up most.
- Restaurants replace kitchen equipment and cover payroll between slow and busy weeks. Restaurant financing covers both.
- Contractors carry labor and materials between draws and buy compact equipment. See contractor and construction financing.
- Clinics and dental offices finance imaging and treatment-room equipment and wait on insurance claims; medical and dental practice financing covers both.
For any timing gap, start with working capital; for a machine or vehicle, equipment financing. The comparison table sets all six options side by side, and industries our partners fund goes sector by sector.
Registration, permits and local contacts
New Texas entities are formed and kept current through the Texas Secretary of State's business services, and the Texas Comptroller's sales tax permit page explains who needs a permit and how to apply (both checked by our researchers on 2026-10-16). Partners often ask for proof that the entity is active, so check your status before you apply.
Owners searching for a San Marcos, TX business license, building permits or zoning will find the city's departments through the City of San Marcos website (checked 2026-10-16). Contractors and anyone planning a finish-out can work through our San Marcos, TX contractor registration and permit checklist before bidding or borrowing.
Owners also look for the San Marcos, TX chamber of commerce and the area's economic development organization; both are listed, with free advising, in Hays County small business resources.
Reaching Pinecroft Funding Group
Call (737) 365-4415 or use the short online form; most of the work happens by phone. Owners in Kyle, Buda, Wimberley and other nearby towns work with us the same way, as the towns we work with shows. Who we are explains the broker role, and the contact page has the address.
San Marcos, TX sectors our partners fund
Our partners have confirmed appetite for four kinds of business: contractors and construction trades, restaurants and food service, medical and dental practices, and retailers and wholesalers that carry stock. If your San Marcos, TX business is something else, call and ask before you spend time on paperwork.
Documents to have ready
- Recent business bank statements (partners often ask for three to six months)
- Last year's filed tax return for the business
- A year-to-date profit and loss statement and balance sheet
- Photo ID for every owner of the business
- Proof of ownership and business registration
- The equipment quote, contract or purchase order the funding is for
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
From first call to a partner's decision
- It starts with a call to (737) 365-4415 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- After you give the go-ahead, we share the request with suitable lending partners, and each one decides on its own.
- Any offer comes from the partner. Read the total cost, the payment schedule and the terms before deciding; turning it down is always an option.
Our address: 244 N Guadalupe St, San Marcos, TX 78666.
By Pinecroft Funding Group · Updated