Pinecone Capital  ·  Private Credit

A disciplined house
for private credit.

The general partner behind Rez Gap Plus. We steward the capital, fund the transactions, and keep every dollar in escrow — with one mandate: preserve it first, then grow it.

I

Rez Gap Plus

Our flagship fund. Quarterly income, escrow-protected.

II

Real Quick Funds

The transactional funding engine — EMD, double closes, Morby / Stack — escrow-protected.

III

The Community

Where our funding and acquisition partners learn and grow.

The Mandate

Capital deserves a steward,
not a gambler.

Pinecone Capital was built on a conservative premise: that consistent, secured income is worth more than the promise of a spectacular year. Every decision begins with the downside.

I

Preservation First

Capital is deployed as escrow-protected transactional funding — it never leaves escrow. Return of capital comes before return on capital — always.

II

Quarterly Income

Short-duration loans turn capital quickly, producing a steady, predictable cash yield distributed to investors every quarter.

III

Escrow-Protected

Behind every dollar sits a live, title-verified real-estate closing and a licensed escrow account — not sentiment, and not leverage stacked upon leverage.

The Discipline

Why the risk sits low.

Downside protection is not a feature we advertise — it is the architecture of the entire strategy. Four safeguards stand between our investors and loss.

I

Funds never leave escrow

Every dollar is deployed inside a licensed escrow account tied to a specific closing. The capital funds the transaction and returns — it is never handed to a borrower.

II

Title-verified closings

Every transaction runs through licensed escrow and title. Clear title and controlled disbursement are conditions of every closing.

III

Short duration

Transactions clear in days, not years. Capital returns almost as fast as it deploys, limiting exposure to any single deal, market, or cycle.

IV

AI-assisted underwriting

Machine-assisted analysis screens every file, overseen by a dedicated Chief Underwriting Officer. Judgment and technology, working together.

The Capital Flow

How it works.

A single, disciplined loop — from committed capital to secured loan to quarterly distribution, and back again.

I
Investors · LPs

Capital is committed

Qualified investors commit capital to Rez Gap Plus, LP, becoming limited partners in a fund built for escrow-protected, income-producing private credit.

II
Pinecone Capital · GP

The fund allocates

As general partner and manager, Pinecone Capital directs committed capital toward transactions that meet our short-duration, escrow-protected mandate.

III
Real Quick Funds · Funding Engine

Transactions are funded

Real Quick Funds underwrites and funds each deal — EMD, double closes, Morby / Stack — with the capital held in escrow the entire time. The engine that puts capital to work.

IV
Repayment · Distributions

Funding clears; investors are paid

As each transaction closes, the funding clears escrow and returns to the fund; income is distributed to investors every quarter. The community continually feeds new, qualified deal flow into the pipeline.

Rez Gap Plus, LP

Municipal-bond risk.
Equity-like returns.

Our flagship fund is engineered for investors who want the steadiness of escrow-protected income without surrendering the ambition of real growth.

Quarterly
Distributions
$20M+
Capital Deployed
100%
Held in Escrow
30 yr
Operator Track Record
Leadership

Stewarded by operators,
not spectators.

Decades of institutional underwriting discipline, applied to a focused private-credit strategy.

PB

Paul Brown

Founder & Managing Partner

A thirty-year insurance executive and former COO and Chief Underwriting Officer at Zurich and AIG across the United States, Japan, and Singapore. He brings institutional risk discipline to every dollar Pinecone stewards.

CUO

Chief Underwriting Officer

Credit & Risk

Every file passes a dedicated underwriting authority who pairs machine-assisted analysis with seasoned human judgment — the final check between opportunity and exposure.

Build with a house
that protects first.

Explore the fund, or speak with us directly about whether Rez Gap Plus fits your portfolio.