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Individual Investors

Since 2008, Pine Financial Group has delivered consistent cash flow and returns, low volatility, and diversification to passive real estate investors.

ABOUT INVESTOR PRODUCTS

Investment solutions for individuals

Our goal is to bring institutional-quality private real estate investments to individual investors like you with low minimum commitments. Our investment products allow investors to receive consistent, monthly cash flow, or compound interest, generated by a portfolio of fixed-rate, senior-secured mortgages.

The continuity of our executive team, the depth and experience of our underwriting professionals, and our presence in our core markets underlie the success of our business and your investment.

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FUND DETAILS

PFG Fund V: Available to U.S.-based investors

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FUND DETAILS

PFG Fund VI: Available to U.S. accredited investors

Want to learn more?

Questions? Get in touch

Tel: (303) 835-4445

WHY INVEST WITH PINE?

DISCIPLINED UNDERWRITING ALLOWS US TO BE RESOURCEFUL AND DELIVER MORE TO OUR INVESTORS

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Experienced team

Since 2008, our investment team has followed disciplined underwriting and servicing standards and our long-standing relationships allow us to source investment opportunities with confidence.

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Consistent distributions

Designed for capital preservation and consistent monthly cash flow, our investment opportunities provide investors with stable returns.
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Flexibility and diversification

Our investor solutions provide immediate access to senior real estate debt. Real estate debt offers diversification and low correlation to traditional assets including stocks and bonds. 
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Long-standing track record

Our strong, long-term track record benefits from low defaults and credit losses. Our experience in the industry and our core markets gives us an edge in evaluating risk.
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Accessible fund structures

Pine Financial Group aims to democratize access to income-producing real estate. We offer investment opportunities to individual investors of all sizes and institutional investors, alike.

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Enhanced transparency

Pine Financial Group provides quarterly statements, publishes monthly newsletters, and hosts quarterly town halls to provide investors with updates regarding the company, the portfolio and fund performance, as well as answer investor questions.

OUR INVESTMENT PROCESS

We handle your investment from start to finish

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Step One: Diligence

Request and review fund prospectus. Please contact us with any questions during your diligence process.
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Step Two: Subscribe

Once we are both confident that all your questions have been answered, we will send the subscription documents to your email to execute electronically.
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Step Three: Invest

We can accept your investment via check, wire transfer, or auto draft.   Once the investment is made, you will start earning interest income immediately.
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Step Four: Enjoy Passive Income

Receive monthly cash flow distributed directly to your account or reinvest for compounding growth.
“I appreciate all the work you are doing, and thank you for providing a good return on investment for my hard-earned retirement funds. I feel good knowing this is an investment that I understand with a team that I trust.”

–S. Wyman

I have been working with, and invested with Pine Financial for over a decade. Their investment strategy and service is unrivaled. I highly recommend them to anyone seeking to diversify, and invest in real estate.

–A. Ross

I’ve been an investor with Pine since 2011 and my account has grown significantly – I mean REALLY significantly! The honesty and integrity of Kevin and the Pine Financial staff is most important to me.

–B. Cunningham

Questions? We’re here to help

What is Pine Financial Group’s investment objective?

Our investment objective is capital preservation and generating income. We primarily invest in first lien position mortgages through our national direct origination platform.

Who is eligible to invest in Pine Financial Group’s funds?

We have options for all U.S.-based investors.

What are the minimum commitments for each of the open funds?

Fund V: $10,000; Fund VI: $100,000

Are there any lock-up periods?

Fund V: Redemption requests may be made at any time and Pine Financial Group shall process requests within 90 days.

Fund VI: Redemption requests may be made after 9 months and Pine Financial Group shall process requests within 90 days.



What are the differences between Fund V and Fund VI?

Fund V is open to all U.S.-based investors. Upon investing in Fund V, investors receive a promissory note with an annual interest rate equal to 8% with monthly distributions. Essentially, as an investor, you are lending money to Pine Financial Group who in turn utilizes investor capital to lend money to real estate investors, developers, and builders. Investors receive an 8% annual interest rate for their investment.

Fund VI is open to accredited U.S. investors. Fund VI provides investors with a preferred annual rate of return of 8% with monthly distributions. After investors receive their 8% preferred return, Pine Financial Group retains a management fee of 2% of total assets. After the 8% preferred return and expenses are paid, investors receive 70% of the remaining profit and 30% goes to Pine Financial Group. The profit-sharing distribution is made on an annual basis in March.

What type of investor tax reporting is provided?

Fund V investors receive Form 1099 reporting.

Fund VI investors receive Schedule K-1 reporting.



What is the subscription and onboarding process?

Fund V: Investors review the fund prospectus and complete the subscription agreement. After capital is invested, investors receive a promissory note and start earning interest on day one.

Fund VI: Pine Financial Group will need to verify that each investor is accredited. A CPA, Financial Advisor, or attorney can complete our Accredited Investor Verification Letter. Alternatively, we can send investors a link to Verify Investor where they may provide the necessary supporting documentation. Investors review the fund prospectus and complete the subscription agreement. After capital is invested, investors start earning interest on day one.