Frequently Asked Questions
What do I need to qualify for financing with Pineal Financial?
To ensure the best outcomes for our clients, we look for the following qualifications:
A credit score of 650 or higher
At least 20% available for down payment (for applicable loan types)
A property identified for DSCR loans
Readiness to start the application process immediately
An established LLC or corporation
A business checking account in good standing
At least 6 months of business operations
What types of loans and financing do you offer?
We provide a range of financial products including:
DSCR Purchase & Refinance Loans
Lines of Credit
Working Capital Loans
Equipment Loans
Factoring (accounts receivable financing)
Do I need a property selected before applying for a DSCR loan?
Yes. For DSCR loans, having a specific property identified is necessary before beginning the process.
Can I apply if my business is new?
We typically work with businesses that have been operating for at least 6 months. If you’re just starting out, we’re happy to discuss alternative options or help you plan toward future financing.
Is my personal credit checked?
Yes, a credit score of 650+ is one of our baseline requirements. We assess both business and borrower readiness to ensure a successful loan structure.
How quickly can I get funded?
Funding timelines vary by loan type, but once documentation is complete, most clients receive funds within 7–14 business days.
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Your goals. Our guidance. A future you can count on.
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