About Us
At Golden Pines Capital, we specialize in providing flexible, strategic financing solutions for businesses of all sizes—from startups to seasoned developers. With decades of combined experience in commercial real estate and business lending, our team is dedicated to helping clients secure the capital they need to grow, invest, and succeed. We understand that no two projects are the same. That’s why we offer customized loan structures, competitive rates, and fast turnarounds tailored to meet the specific goals of each borrower. Whether you're acquiring a multi-family property, building out a retail space, or expanding your operations, our mission is to be your trusted financial partner every step of the way.
What Sets Us Apart:
- Personalized loan consulting with seasoned experts
- Access to a nationwide network of lenders and private capital
- Transparent process with hands-on guidance from application to closing
- Financing options for office, retail, industrial, mixed-use, construction, equipment, and more
At Golden Pines Capital, we’re more than a lender—we’re your growth partner. Let’s build something great together!
About Victoria Markowski
With over three decades of experience in the real estate and lending industry, Victoria Markowski brings a wealth of knowledge, strategic vision, and unwavering commitment to excellence as the Director of Commercial Lending at PMR Lending Throughout her career, Victoria has closed over $1 billion in residential and commercial transactions, building a reputation as a trusted advisor and powerhouse in the lending world. Her deep understanding of complex financial structures, market trends, and underwriting standards allows her to deliver tailored solutions that help business owners, investors, and developers move forward with confidence.Victoria leads the commercial division with a hands-on approach—offering high-touch service, fast decision-making, and access to a broad range of loan products, including SBA, bridge, construction, and investment property financing. Whether working with a first-time investor or a seasoned commercial developer, she focuses on clarity, communication, and results.Victoria’s Strengths:
- 33+ years in lending -Residential, Commerical, National Development
- Proven track record of large-scale transactions and successful closings
- Deep national network of lenders, brokers, and private capital sources
- Passion for helping clients grow their portfolios and build generational wealth
At the heart of Victoria’s work is a simple philosophy: "People First. Solutions Always." Her leadership is shaping the future of commercial lending—one relationship at a time.
Bridge Lending
Multifamily Properties
hard money Lending
Flexible Solutions for Imperfect Scenarios
Balance-sheet lending for borrowers with less-than-perfect loan scenarios with a streamlined and borrower-friendly underwriting process.
hard money Lending
Multifamily Properties
hard money Lending
Fast, Flexible, Equity-Based Lending
No ratios, no problem. Bad credit? That’s OK too. Approvals based entirely on liquidity, exit, equity, and experience making financing quick and easy.
Multifamily Properties
Multifamily Properties
Multifamily Properties
Flexible Financing for 5+ Unit Properties
We offer short and long-term financing solutions for multifamily properties with a residential focus in all major U.S. markets, ensuring tailored support for diverse investment needs.
Commercial lending
Residential - 1-100 Units & Portfolios
Multifamily Properties
Financing for All Standard Asset Classes
We offer customized financing solutions for Light Industrial, Office, Retail, Hospitality, Mixed-Use, Niche properties, and more, designed to your unique investment goals nationwide.
Residential - 1-100 Units & Portfolios
Residential - 1-100 Units & Portfolios
Residential - 1-100 Units & Portfolios
In-House Programs for Residential Investments
We offer business-purpose lending for all residential property types, including Fix & Flip, Fix & Hold, long-term portfolio financing with tailored solutions to support diverse investment strategies.
Construction & Development
Residential - 1-100 Units & Portfolios
Residential - 1-100 Units & Portfolios
Building Communities, Growing Businesses
We specialize in financing well-planned residential and commercial projects for developers, fostering community development, economic opportunity, and sustainable business growth nationwide.