At Pineal Financial, we empower small businesses with tailored financial solutions that unlock new opportunities. From strategic insights and asset evaluations to securing the right loans, we partner with you to build, grow, and sustain what matters most—your business.
Funding for the future
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Financial solutions that help small businesses see their way to new opportunities. Whether it’s discovering financial insights, appraising assets, or finding the right loans, we work with local businesses to expand and sustain the projects they love.
Real Estate Loans
Acquire your next commercial property with the right down payment, lenders & mezzanine financing.
Construction Loans
Developers and business owners alike can build to the specifications that meet your objectives.
Equipment Loans
Developers and business owners alike can build to the specifications that meet your objectives.
Factoring
Tap into your accounts receivable. Get paid today and take collections off your plate with the right partner.
Hard Money
In fast moving busineses, hard money and bridge financing helps you capitalize on opportunity.
Line of Credit
Operating funds often come in the form of a line of credit. Purchase supplies and cover expenses.
SBA Loans
SBA loans are the path to operating success for many small businesses. Get the funds you need to grow!
Working Capital
Not all loans give you the flexibility you need. Learn more about available options
Life Insurance
Life insurance is available to anyone upto the age of 80, so even at an advanced age we can help you qualify for life insurance
Why Choose Pineal?
Secure your loans fast!
With some funding types you can see funds within 24 hours.
We are committed to your success. Let us help you start your loan application today!
Our network of lenders connects you with more than $2 billion in available commercial loans.
We apply our experience to help you target the right loan type and best lender to match your business goals.
Our Process
Get Pre-approved Now
Qualify for financing with Pineal Financial
Loan Application
Take The Loan Application On Our Call
Pre-Approval
Get Pre-Approved Within 24 Hours
Access Capital For Your Business
Access capital for your business today
Need to get started now?
Call us now +1 832-481-6700
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.
Empowering individuals and businesses with smart, reliable financial solutions designed to build stability, drive growth, and protect your future.
Your goals. Our guidance. A future you can count on.
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+1 832-481-6700
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