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.
| County | Hays County, TX |
|---|---|
| Distance | About 8.4 miles NNE of San Marcos, TX |
| ZIP 78640 employers | 1,025 in 2023 (Census ZBP) |
| Largest sector in 78640 | Construction, 174 establishments |
| Self-employed residents | 7.5%, +/- 1.6 (ACS 2020-2024) |
ZIP 78640 versus the city
Kyle's postal ZIP, 78640, stretches well past the city: Kyle covers about a quarter (24.6 percent) of the ZIP's land (U.S. Census Bureau 2020 ZIP code relationship files). The business counts below describe that whole postal area, so treat them as the neighborhood around Kyle rather than a count of businesses inside city limits.
In 2023, ZIP 78640 had 1,025 employer establishments with 13,484 paid employees and about $631.5 million in annual payroll, and 56.6 percent of the establishments had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
Contractors first, clinics second
| Sector | Employer establishments | Share under five employees |
|---|---|---|
| Construction | 174 | 71.3% |
| Health care and social assistance | 139 | 43.9% |
| Retail trade | 113 | 37.2% |
| Accommodation and food services | 107 | 29.0% |
| Other services | 103 | 67.0% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Seven in ten contractors in the ZIP had fewer than five employees, the profile of owner-led crews that buy their own compact equipment and carry labor until a builder pays. Health care is the other large group, and its establishments are bigger on average; practices like these tend to ask about imaging and treatment-room equipment and about payroll while insurance claims are paid.
Self-employment among Kyle, TX residents
An estimated 7.5 percent of employed Kyle residents were self-employed, plus or minus 1.6 points, compared with 10.3 percent (plus or minus 0.9) across Hays County (U.S. Census Bureau, American Community Survey 2020-2024). The ranges do not overlap, so self-employment is less common in the city than in the county. Most of it was unincorporated: about 5.0 percent of workers ran an unincorporated business and 2.5 percent an incorporated one. A partner reviewing a sole proprietor will look at personal tax returns as well as business bank statements.
Reaching us from Kyle, TX
The office address is in San Marcos, TX, south of Kyle. The first conversation happens by phone at (737) 365-4415 or through the online form, and documents go to the lending partner later. The Hays County business profile lists registration steps and local help, and the towns we work with covers Kyle's neighbors.
Who Pinecroft Funding Group works with in Kyle, TX
Our lending partners have confirmed they fund contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock, and Pinecroft Funding Group works with businesses like these in Kyle, TX. Each partner still decides case by case.
What to gather before you call
- 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
- Government-issued ID for each owner
- Your articles of organization or incorporation and the EIN letter
- Details of any loans, leases or advances the business already carries
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
The steps after your first call
- Reach us at (737) 365-4415 or through the contact form. When we call back, the first questions are simple: what the funding is for, how long the business has operated and its rough revenue.
- We walk through the funding types that suit that purpose and the paperwork partners tend to ask for. Nothing goes out until you say so.
- After you give the go-ahead, we share the request with suitable lending partners, and each one decides on its own.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Our address: 244 N Guadalupe St, San Marcos, TX 78666.
By Pinecroft Funding Group · Updated