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.
| County | Hays County, TX |
|---|---|
| Distance | About 11.3 miles NW of San Marcos, TX |
| ZIP 78676 employers | 531 in 2023 (Census ZBP) |
| Under five employees | 64.0% of ZIP 78676 employers |
| Largest sector in 78676 | Construction, 91 establishments |
A ZIP far bigger than the city
The city of Wimberley covers only about 5.3 percent of the land in ZIP 78676 (U.S. Census Bureau 2020 ZIP code relationship files). Most of the businesses counted below sit outside city limits, elsewhere in Hays County, so this page describes the Wimberley postal area rather than the city alone.
ZIP 78676 had 531 employer establishments in 2023, with 3,494 paid employees and about $143.9 million in annual payroll (U.S. Census Bureau, ZIP Code Business Patterns 2023).
Small firms, with one exception
| Sector | Employer establishments | Share under five employees |
|---|---|---|
| Construction | 91 | 74.7% |
| Professional, scientific and technical services | 72 | 80.6% |
| Retail trade | 58 | 50.0% |
| Accommodation and food services | 48 | 20.8% |
| Health care and social assistance | 46 | 56.5% |
| Real estate and rental and leasing | 41 | 87.8% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Across the ZIP, 64.0 percent of employers had fewer than five employees, compared with 57.2 percent for Hays County (U.S. Census Bureau, County Business Patterns 2023). Food businesses run the other way: only about one in five had fewer than five staff, which means bigger payrolls relative to their size and more to cover in a slow week.
What that means for funding
A three-person construction crew and a forty-seat restaurant ask different questions. Small crews usually come to us about a single machine or trailer, where equipment financing secured by the asset is often the cleanest fit. Restaurants and shops with larger staffs more often ask how to cover payroll and stock between busy and quiet stretches, which is a line of credit or working capital conversation.
Very small firms should expect partners to look closely at the owner: personal credit, a personal guarantee and, for sole proprietors, personal tax returns.
Reaching us from Wimberley, TX
Call (737) 365-4415 or send the online form; the San Marcos, TX address is southeast of Wimberley, and nothing needs to be dropped off in person. Hays County business counts and local registration steps are on our city page, and nearby towns are listed on the areas page.
Wimberley, TX businesses we help
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 Wimberley, TX. Each partner still decides case by case.
Documents to have ready
- The last three to six months of business bank statements
- Your most recent business tax return
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- Photo ID for every owner of the business
- Your articles of organization or incorporation and the EIN letter
- A simple schedule of current business debt and monthly payments
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
What happens after you reach out
- 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.
- We explain which funding types fit that use and what partners usually need to see. Nothing is submitted without your go-ahead.
- After you give the go-ahead, we share the request with suitable lending partners, and each one decides on its own.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Pinecroft Funding Group is based at 244 N Guadalupe St, San Marcos, TX 78666.
By Pinecroft Funding Group · Updated