The Pinecone Shop
Funding that fits your business
Working capital for established businesses. See your options in minutes.
Check your optionsHow it works
Apply
A short online application — a few minutes.
Review
We walk you through real, clear options.
Funded
Accept the terms that work for you.
Most approved applicants have:
- 6+ months in business
- $30k+ monthly revenue
- Active business bank account
Funding options
Choose the structure that fits how your business actually runs.
What business owners say
"Straightforward process — no surprise terms when we got to the paperwork."
Owner, landscaping business
"Talked to a real person who understood seasonal cash flow."
Owner, retail shop
Common questions
Will checking my options affect my credit score?
Checking your options uses a soft inquiry and does not affect your credit score. A hard inquiry only occurs if you choose to move forward with an offer.
What documents do I need?
Typically a few months of business bank statements and basic business details. We'll tell you exactly what's needed after your initial application.
How fast can I get funded?
Timelines vary by applicant and funding type. We'll give you a clear estimate once we've reviewed your application.
Not ready to apply? Get a quick estimate first
Leave a few details and we'll follow up with real options — no application required yet.
Ready to see your options?
Start my applicationChecking your options does not affect your credit score. Rates and terms vary by applicant and are not guaranteed. Approval is subject to review of business financials. See full terms and applicable state disclosures.