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Pine Financial Group

Pine Financial Group

Denver
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Pine Financial Group

Denver, Colorado
(303) 835-4445
Website

Vetted Provider

This vendor has been evaluated and confirmed as active, reputable, and qualified to lend.

About

$1.15B+
Capital Deployed
2,819
Properties Funded
2008
Year Founded
Pine Financial Group is a Denver, Colorado-based direct hard money lender founded in 2008. The firm has expanded to four core geographic regions - Colorado, Virginia, Minnesota, Wisconsin, and Washington D.C. - and has originated over $1.15 billion in loans across 2,819 funded transactions with 1,402 active borrowers (as of March 2026). Pine Financial specializes in residential fix-and-flip and fix-and-hold lending with three distinct acquisition structures: a 100% Rehab Loan covering purchase, rehab, and closing costs up to 70% ARV; a 90% Acquisition Loan; and a 90-90 hybrid product. The firm also offers commercial bridge loans, new construction financing, IRA-based investment property loans, and Flash Cash loans for wholesale double closings. As investors themselves, the Pine Financial team provides hands-on advisory support throughout every project - not just at closing. The firm accepts first-time flippers with no application fees and no credit pull at pre-qualification. First repair draws are advanced at closing, and unused repair funds are credited back to the borrower at project completion. With over 2,500 transactions since inception, Pine Financial operates a direct underwriting and in-house loan servicing model focused on transparent terms and on-time closings.

Key Differentiators

Why investors choose this lender:

  • 100% financing Rehab Loan - purchase, rehab, AND closing costs - Pine Financial's flagship product covers 100% of the purchase price, 100% of rehab costs, and 100% of lender fees and closing costs up to 70% ARV; one of the most borrower-friendly leverage structures in the regional hard money market
  • First draw advanced at closing - not after work is completed - unlike most hard money lenders who require the borrower to fund repairs first and then request reimbursement, Pine Financial advances the first repair draw at closing; this protects active contractor schedules and prevents cash flow gaps at project kickoff
  • No application fees, no credit pull at pre-qualification - borrowers receive a Loan Commitment Letter with zero upfront cost; credit is only pulled after a property is under contract, protecting FICO scores during the deal evaluation process
  • $1.15B+ originated since 2008 - real estate investors lending to real estate investors - Pine Financial's team operates as investors themselves; 2,819 funded loans and 1,402 active borrowers give the firm a deep operational track record across Colorado, Virginia, Minnesota, Wisconsin, and D.C.
  • IRA investment property loans - accelerate retirement through fix-and-flip - a highly specialized product available at only the most experienced lenders; allows investors to execute fix-and-flip transactions inside a self-directed IRA using Pine Financial's loan program
  • Unused repair funds credited back at completion - if the final scope comes in under the approved budget, Pine Financial credits the unused escrow balance back to the borrower; a borrower-aligned structure that rewards efficient project management

Where They Lend

Regional
CO, VA, MN, WI, DC
Colorado, Virginia, Minnesota, Wisconsin, and Washington D.C. Residential fix-and-flip, fix-and-hold, bridge, and new construction. Flash Cash wholesale double-closing loans available nationwide. No owner-occupied or consumer loans.

Loan Types, Structures and Terms

9 Months
Typical Terms
Rehab Loan: up to 100% of purchase, 100% rehab, 100% fees/closing costs, capped at 70% ARV. 90% Acquisition Loan: 90% of purchase, up to 70% ARV. 90-90 Loan: 90% acquisition plus majority of rehab. Bridge: gap financing. Construction: land acquisition and development. All loans: 9-month balloon, interest-only.
Fix-and-Flip
New Construction
Short-Term Bridge
Pine Financial Group offers three fix-and-flip structures: a 100% Rehab Loan (purchase + rehab + closing costs up to 70% ARV), a 90% Acquisition Loan, and a 90-90 hybrid product. 9-month balloon terms, interest-only, no application fees. First-time flippers welcome.
Fix & Flip FeatureStructure & Terms
Rehab Loan (100% Financing)Up to 100% of purchase price, 100% of rehab costs, and 100% of lender fees/closing costs - capped at 70% ARV
90% Acquisition Loan90% of purchase price | up to 70% ARV | Lower leverage cost than the full Rehab Loan
90-90 Loan (Hybrid)90% acquisition + majority of rehab costs | A hybrid product between the 90% Acquisition and full Rehab Loan at lower cost than the 100% Rehab product
Loan Term9-month balloon | Interest-only monthly payments
Application FeesNo application fees. Apply and receive a Loan Commitment Letter at no upfront cost.
First-Time InvestorsAccepted. Pine Financial actively welcomes newer investors and provides hands-on advisory support through the project.
Geographic CoverageColorado, Virginia, Minnesota, Wisconsin, Washington D.C.
Pine Financial Group construction loans cover land acquisition and development costs across Colorado, Virginia, Minnesota, Wisconsin, and Washington D.C. Direct in-house underwriting with hands-on advisory support through project completion.
Construction FeatureStructure & Terms
Loan PurposeFinancing for land acquisition and development costs on new construction projects
Geographic CoverageColorado, Virginia, Minnesota, Wisconsin, and Washington D.C.
Underwriting ApproachDirect in-house underwriting team. ARV established via third-party appraiser or internal evaluation using the scope of work.
Loan TermsRate, leverage, and term are deal and location specific. Contact Pine Financial at (303) 835-4445 for construction-specific terms.
Advisory SupportPine Financial remains available for project advisory support throughout construction - not just at closing. The team has personal experience as real estate investors and builders.
Pine Financial Group bridge loans cover the gap between property purchase and long-term financing across Colorado, Virginia, Minnesota, Wisconsin, and Washington D.C. Direct underwriting, in-house servicing, and flexible extension terms.
Bridge Loan FeatureStructure & Terms
Loan PurposeCovers the gap between property acquisition and long-term financing exit. Used for as-is purchases, transitional holds, and repositioning plays while arranging permanent capital.
IRA LoansPine Financial offers a highly specialized IRA Loan product - allowing investors to fix and flip inside a self-directed IRA to accelerate retirement returns. Only the most experienced lenders offer this product.
Flash Cash LoansShort-term wholesale double-closing loans. Available nationwide - not limited to the 5-state core footprint.
Geographic CoverageColorado, Virginia, Minnesota, Wisconsin, Washington D.C. Flash Cash available nationwide.
Loan ExtensionsPine Financial works with borrowers on extensions when projects run long. The team aims to stay flexible throughout the investment lifecycle.
Don't lose the deal waiting on financing. Apply now and get pre-approved today.
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Borrower Qualifications (Are you qualified?)

Pine Financial Group accepts all experience levels including first-time flippers and provides hands-on guidance through the project. No application fees and no credit pull at pre-qualification - credit is only pulled once a deal is under contract.
Qualification ParameterLender Requirements
Experience LevelAll experience levels accepted - including first-time flippers. Pine Financial actively welcomes newer investors and provides guidance on property valuations, budget reviews, and profitability calculations throughout the process.
Credit PullNo credit pull at pre-qualification. Pine Financial waits until a property is under contract and a deal is confirmed before pulling credit, protecting your credit score during the evaluation phase.
Application FeesNo application fees. Apply with zero upfront cost and receive a Loan Commitment Letter before committing to any fees.
Property TypesResidential fix-and-flip (SFR), fix-and-hold, bridge, and new construction. Commercial and mixed-use considered on a deal-by-deal basis.
Loan ExtensionsPine Financial works with borrowers on extensions if a project runs longer than anticipated. Flexibility is a core part of the partnership model.

Underwriting Process (How long will it take to get approved?)

Pine Financial underwrites directly in-house with no application fees. No credit pull at pre-qualification - credit is pulled only after a deal is under contract. ARV is determined by third-party appraisal or internal evaluation based on the scope of work. Rates, leverage, and terms are deal, property type, and location specific.
Stage / RequirementProcess & Timelines
Pre-QualificationNo application fees. No credit pull. Apply and receive a Loan Commitment Letter at zero upfront cost. Credit is only pulled once a property is under contract.
Property ValuationARV established via third-party appraiser or in-house evaluation. Appraiser reviews the scope of work to determine post-repair value before commitment.
Underwriting ModelDirect in-house underwriting with in-house loan servicing. Rates, leverage, and terms are deal, property type, and location specific. Contact Pine Financial at (303) 835-4445 for deal-specific terms.
Close CommitmentPine Financial closes on time, every time - a stated core commitment. Experienced investors specifically choose Pine because they do not need to worry about closing timelines.
Loan ExtensionsIf a project runs longer than the 9-month balloon, Pine Financial works with borrowers on extension terms. Flexibility throughout the loan lifecycle is a stated firm value.

Draw Process (How long will it take to get draws?)

Pine Financial holds the full loan commitment in escrow at origination. The first repair draw is advanced at closing. Subsequent draws are released as construction milestones are completed per the scope of work. Unused repair funds are credited back to the borrower at project completion.
Operational StepMethodology & Timelines
Draw SystemEscrow-held, milestone-based. The full loan commitment amount is set aside in escrow at origination. The first repair draw is advanced at closing - unlike most lenders who require work to be completed first.
Subsequent DrawsReleased upon completion of specific construction milestones per the approved scope of work. Pine Financial may conduct site inspections to verify completion progress.
Budget VarianceIf final repair costs come in under budget, unused funds are credited back to the borrower at project completion. If costs exceed budget, the borrower is responsible for out-of-pocket overruns before the final draw is released.
ARV DeterminationARV established via third-party appraiser or internal evaluation. Appraiser reviews the scope of work to determine post-repair value before loan origination.
FlipperForce IntegrationUse the FlipperForce Project Scheduler to map draw milestones against your contractor timeline. Align Pine Financial's escrow release schedule with your critical-path construction phases to avoid cash flow gaps.