Commercial loans products better than a bank

Gelt offers several different non-bank commercial mortgage programs so we can meet the needs of most borrowers.

Jack Miller and Marcy talk about providing mortgages on Single Family Investment Properties, Non-QM Alternative

Transform your residential investment strategy with Gelt Financial, LLC. Since 1989, we’ve excelled in private mortgages for 1-4 unit properties. As portfolio lenders, we provide hard money loans, non-bank commercial, and investor mortgages. Experience direct communication with decision-makers for quick loan approvals. No committees involved. Minimum Property Value: $250,000.

  • Loan Sizes
    $100K – $3MM

  • Rates
    From 10.00%+

  • Terms
    Short term and Long term

  • Leverage
    Up to 75% LTV in specific markets
  • Points
    3 Points

  • Purpose
    Purchase, Refinance, & Renovations, Bridge Loans, Investor Rehabs, Foreclosure Bailouts, Discount Note Purchase Financing, Debtor in Possession

Gelt Financial LLC is a nationwide private non-bank commercial and investment real estate lender. We offer bridge loans, discount note payoff’s, DIP, value-added opportunities, bankruptcy exit financing, repositioning, and also stabilization financing. Fast approvals and fast closings! Minimum Property Value: $250,000.

Jack Miller goes over Bridge Loans and how Gelt Financial has been helping commercial real estate and investment borrowers with them since 1989.

  • Loan Amounts
    $100,000 – $5,000,000

  • Leverage
    Up to 70% LTV

  • Term
    12 – 60 Months

  • Fees
    1%-3%

  • Pricing
    10%-13%

  • Amortization
    Interest Only

  • Geography
    Nationwide (Except CA, AZ, OR, HI,AK)

  • Non Bank Lending
    Credit Impaired Borrowers, Special Situations, Quick Closings

  • Direct Lender
    In-house processing, closing, and servicing

  • Property Types
    Multifamily, Office, Retail, Mixed Use, Mobile Home Parks, Investment Properties, Single Family, Commercial Properties

Jack Miller gives a little history of Hard Money lending (hard money loans or mortgages)

Since 1989, Gelt Financial, LLC has led the way in hard money loans, non-bank commercial, and investor mortgages. We do loans that banks and others don’t. We are portfolio lenders. Deal direct with the decision-makers who can approve and close your loan fast. No committees. We are common sense, private mortgage lenders. Minimum Property Value: $250,000.

  • Loan Sizes
    $100K – $3MM

  • Rates
    From 10.00%+

  • Terms
    Short term and Long term

  • Leverage
    Up to 65% of Appraised Value (Up to 100% financing)

  • Points
    3 Points

  • Purpose
    Purchase, Refinance, & Renovations, Bridge Loans, Investor Rehabs, Foreclosure Bailouts, Discount Note Purchase Financing, Debtor in Possession

Gelt Financial is one of the nations largest providers of  mezzanine financing and second mortgages for investment and commercial real estate under $3MM. With flexibility on property situations including, stabilized, value-add, and distressed, Gelt is able to provide quick and creative financing on acquisitions and refinances nationwide.

Jack Miller explains what is a Mezzanine loan

  • Loan Amounts
    $250K – $3MM

  • Leverage
    Up to 80%

  • Term
    6 – 60 Months

  • Fees
    1%-3%

  • Pricing
    Low to Mid Teens

  • Geography
    Nationwide

  • Property Types
    Multifamily, Office, and Retail (others considered on a case by case basis)

  • Direct Lender
    In-house processing, closing, and servicing

Streamlined financing solutions for condo and HOA associations with our specialized lending services. When time is of the essence or bank financing is not currently an option, we step in as private non-bank commercial lenders.

Unlock financial stability during the Chapter 11 bankruptcy with our specialized Debtor-In-Possession (DIP) financing. We provide asset-based financing solutions to companies in need, offering a minimum loan amount of $100,000 with no maximum limit.

Learn more about our commercial mortgage programs

About Gelt Financial

Gelt Financial uses its vast experience and streamlined process to provide its clients with competitive commercial financing while ensuring a smooth closing.

WHAT MAKES GELT FINANCIAL DIFFERENT

Gelt Financial is prepared to guide you through the treacherous pitfalls of commercial financing. With former banking executives leading the team, Gelt is uniquely qualified to secure the financing you need.

  • Competitive Rates, Flexible Terms, and Quick Closings
  • Common Sense and Fair Underwriting
  • Loan Programs For All Financing Situations
  • Over 25 Years In Business

Gelt does not shy away from complicated and difficult financing situations. With Gelt being in business for the past 25 years, we are eager and confident to tackle any obstacle that comes our way.

Gelt’s goal is to secure a competitive rate and flexible term financing for every single client. We strive to exceed all expectations by working hard, communicating effectively, and providing a quick closing.

WHAT CLIENTS SAY ABOUT GELT FINANCIAL

Gelt Financial is proud of the long lasting relationships it has formed with its clients over the past 25 years in business.
Below are just a couple of testimonials from some of our loyal clients.

“I have been doing business with Gelt Financial for several years. In that time together we have closed some of the most difficult deals I’ve ever encountered. Exception after exception, Gelt is quick, effective and genuine in their efforts.”
-T. White

“I have had only the best working relationship with Gelt. You have a great team who knows how to work with the small investor and knows what it takes to make the deals work. I like their conservative and meticulous approach as well as their ability to assist in all facets of a transaction.” -Greg M.

Gelt Financial reviews

Building Lasting Relationships

The concept of lasting relationships is not a hollow afterthought at Gelt as we always put the client’s goals and desires foremost at all times. For the past 29 years, we have built long lasting relationships not with only our clients but attorneys, bankers, mortgage brokers, accountants and other advisers of our Borrowers/clients. We appreciate and value these relationships as our success is truly predicated on them.

Personalized and Professional Services

With former commercial bankers leading the team, Gelt evaluates each and every loan request individually and will provide an extension of credit solution to you whether in-house or with one of our strategic banking partners. If not, we will engage our correspondent lenders to work with us to accomplish your goals.

While many of our clients are still reeling from the effects of The Great Recession, Gelt can be a valuable resource and advisers in resolving your current or past problems with your lenders and simultaneously provide or source the fresh capital needed to bring your financial goals to new reality.

Our approach

Gelt Financial understands that everyone is in an unique situation which requires an unique solution. We pride ourselves on thinking outside of the box to secure even the most difficult financing. Below are just some of the many benefits we offer.

HOW MAY WE ASSIST YOU?

Gelt Financial is here to help you with your money lending needs.