Crew & Subcontractor Payroll
Your crew shows up whether or not the GC has paid yet. Keep your workers paid on time.
Funding that fits your business
Apply Now
Working Capital for Contractors & Trade Businesses
Fast. Flexible. Human.
📞 Give us a call — (281) 706-5271
You mobilize the crew, buy the materials, do the work — then wait 30 to 60 days for the GC to pay. The Pinecone Shop closes that gap in as little as 24 hours — no collateral required.
24 hrs
Avg. funding time
$5K–$500K
Funding range
500+
Credit score OK
20+
Industries served
Ready to Get Funded?
Our full application takes just a few minutes and gets you matched with the right working capital option for your business.
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No hard credit pull to check your options
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Funding ranges from $5K to $500K
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Credit scores from 500+ considered
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No collateral required — based on your revenue
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Real people review every application personally
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Approved funds deposited in as little as 24 hours
✓ Secure & confidential · No upfront fees · No commitment to apply
No Collateral Required
Funded in 24–48 Hours
$30,000+ Monthly Revenue
Credit Scores from 500+
No Upfront Fees
(281) 706-5271
What We Fund
Every cash flow gap a contractor or trade business faces.
Banks don't understand construction timelines. Here's exactly what our contractors use working capital for.
Materials & Supplies
Every job requires materials before the revenue starts. Cover lumber, pipe, wire, and more.
Equipment Repair
A broken excavator stops a job site cold. Get critical equipment back online before you miss a milestone.
Job Mobilization
Posting a bond or mobilizing before the first invoice. Say yes to the contract.
HVAC, Electrical & Plumbing
Trades businesses carry the same gap. Bridge it for any trade at any size.
Slow Season & Gap Funding
Construction slows in winter. Keep your crew together through the gaps.
The Process
Funding in 3 simple steps.
No binders of tax returns. No three-week wait. No banker who’s never run a business.
Apply in 60 Seconds
Tell us your industry, your monthly revenue, and what you need money for. No lengthy forms or business plan required to get started.
Get Options Same Day
We match you with working capital options that fit your business — cash advances, line of credit alternatives, and more. Most business owners hear back the same day.
Money in Your Account
Once you approve your offer, funding typically arrives within 24 hours. Get back to running your business — that’s what matters most.
Requirements
Do you qualify?
Most business owners we work with qualify easily. We look at your monthly revenue and your business — not just a credit score.
- ✓ In business at least 6 months
- ✓ $30,000+ in monthly gross revenue
- ✓ U.S.-based business
- ✓ Credit scores as low as 500 considered
- ✓ No collateral or equipment lien required
- ✓ Any industry considered
Real Clients
What business owners say about The Pinecone Shop.
★★★★★
“My walk-in compressor died on a Thursday. The Pinecone Shop had money in my account Friday morning and we didn’t miss a single dinner service. That’s the kind of speed restaurants need.”Rafael M. Restaurant Owner — San Antonio, TX
★★★★★
“The GC on my biggest job pushed payment 45 days. I had crew to pay and couldn’t wait. The Pinecone Shop bridged the whole gap in 24 hours. My guys never missed a paycheck.”James K. General Contractor — Dallas, TX
★★★★★
“My lift failed Wednesday with six cars booked. Pinecone had funding in my account Thursday morning, lift was back up Friday. I didn’t lose a single job.”Derek W. Auto Repair Shop Owner — Houston, TX
Ready to Move?
Don't let slow payments shut down your job site.
- No Upfront Fees
- Real People
- Fast Decisions
- No Collateral
- 500+ Credit OK
No hard credit pull. No commitment. Just a real answer from a real person — usually the same day you apply.
Apply For Funding