START YOUR JOURNEY
We deliver customized real estate lending solutions for our clients who build, develop, and renovate properties.
INVESTORS
Our portfolio of senior-secured loans provides investors with stable returns, monthly income distributions, and diversification.
Pine Financial Group Approach
We deliver customized real estate lending solutions for our borrowers who build, develop, and renovate properties. We take a collaborative approach, working one-on-one with clients to close deals and help them succeed. Our underwriting and real estate investment expertise has helped shape our disciplined approach to lending. Our mortgage portfolio offers stable returns to those seeking passive investment opportunities in real estate.The Pine Advantage
Why Pine Financial?
Experienced real estate advisors
We leverage our time-tested experience as real estate investors to help clients close their deals. We work with clients to find the right loan to reach their unique financing goals.
Flexible, alternative financing solutions
We leverage decades of underwriting experience to deliver optimal financing solutions to our borrowers. We are dedicated to excellent customer service and offer robust portfolio management.
Stable returns and monthly distributions
Our portfolio of fixed-rate, first lien mortgages provides investors with consistent cash flows and returns, low volatility, security in the capital stack, and diversification.
Accessible investment structure
We provide individual and institutional investors of all sizes with a broad array of investment opportunities and structures with low minimum commitments.
2008
Founded
$196.89 MM
Capital Under Management
$1.04 B
Loans Originated Since Inception
1,318
Borrowers
Metrics as of June 30, 2025
TOOLS + RESOURCES
Tools to start your journey
Fix & Flip Calculator
Fix and flippers can instantly calculate deal profits, closing costs, monthly returns and more.
Max Offer Worksheet
This worksheet walks you through calculating the maximum price you should pay for a property.
Scope of Work Spreadsheet
This worksheet will help you structure your budget for success by utilizing a proven model to estimate repair costs.
MAO Calculator
“Pine Financial Group is an excellent fit for my business needs. They understand our local economy and my business. Pine provides personalized service, attention to detail and more importantly, no surprises at the closing table! I can have greater confidence in my business growth plans with Pine Financial as part of my professional team. If you are looking for a long-term partner to take care of your lending needs, look no further.”
–Glen Ramsey, Aspire Properties, LLC
Expert Insight
Lean on our expertise
How’s Your Ground Game?
How to Dominate a Slower Real Estate Market When the market softens, fear tends to creep in. Fix and flip investors often start to second-guess deals, hesitate on offers, or step back altogether. But the investors who succeed in these markets aren’t the ones who sit...
Cashin’ in My Chips
If you’ve lived long enough, you’ve probably been in a relationship where red flags were flapping like one of those wild, wavy car dealership blow-up dolls, but you got in or stayed in the water a little too long anyway. I learned this lesson the hard way with my...
Back in the Game!
Overcoming Fear After a Fix & Flip Flop I can’t stress this enough; fixing and flipping homes is nothing like it looks on TV. On screen, it’s all high-fives and fast profits. A great deal falls into someone's lap, a couple of “uh-oh” moments pop up but get...
Ask – You Won’t Know If You Don’t
The $14,000 Conversation That Almost Didn't Happen "Sure, we can do that. I have the approval," my tenant's representative told me in a very brief phone conversation. This tenant is an important company in one of my buildings. The term of their lease is coming up, but...
If You Can’t Find It, Build It!
The Power of Portfolio Diversification At the Minnesota Investor Success Summit, I gave a presentation on passive real estate investing to a full house of eager learners. One of the points I wanted to make sure landed was that a portfolio should be diversified. That...
How Tariff Talks Reshape Real Estate Opportunities
Smart Investment Approaches When Construction Costs and Market Dynamics Shift Economic shifts and policy changes can profoundly impact real estate investors' market conditions. One factor that often stirs uncertainty is the discussion of tariffs. Whether targeting...
Core Geographic Regions
Colorado
We lend statewide in well-populated areas. Pine Financial Group was formed in Denver by a Colorado native with extensive experience in personal real estate investing. We understand the Colorado market and have originated over $678.6 MM of loans in Colorado as of June 30, 2025.
Minnesota
We have been partnering with real estate investors and lending in Minnesota since 2012. We have on-the-ground expertise and have funded over $229.1 MM of loans for real estate investors as of June 30, 2025.
Wisconsin
We have been partnering with real estate investors and originating loans in Wisconsin since 2017. We have originated over 214 loans in this core geographic region as of June 30, 2025.
Washington, D.C.
In 2015, we expanded our lending footprint to include the D.C. Metro area. Since 2015, we have been helping D.C. investors fund their transactions, contributing to millions of dollars in flipping profits.
Maryland
D.C. Metro Area – In 2015, we expanded our lending footprint to include the D.C. Metro area. Since 2015, we have been helping D.C. investors fund their transactions, contributing to millions of dollars in flipping profits.
Virginia
D.C. Metro Area – In 2015, we expanded our lending footprint to include the D.C. Metro area. Since 2015, we have been helping D.C. investors fund their transactions, contributing to millions of dollars in flipping profits.