Why choose Gelt Financial as your private money lender?

Private money lenders offer an alternative to banks and conventional lenders when investors, owners, or business entities require quick access to funds. Gelt Financial specializes in asset-based private money loans on non-owner occupied investment properties nationwide, significantly covering states like yours.

  • Stuck in endless paperwork? We offer no docs or minimal docs loan programs
  • Waiting for an answer? We get back to you the same day.
  • Closing delays? Don’t let that deal slip away. We can close in as quickly as 5 days!
  • Credit Score Requirements? We focus on the assets, not your personal credit score.

In its lifetime, Gelt has closed over 10,000 loans.

Gelt Financial reviews

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We don’t just offer loans, we offer financial partnerships. Tell us your story, and together we’ll build a roadmap for your success.

  • Loan Size: $100K – $5MM (Minimum Property Value: $250k)

  • Purpose: Purchase, Refinance, Renovations, Bridge Loans
  • Asset Types: Rental Properties, 1-4 unit Investment Residential and 5+ Unit Multifamily, commercial properties

  • Where we lend: Nationwide (excluding AK, AZ, CA, HI, NV, and OR)

  • Rates: From 12%

  • Terms: Short term and Long term

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

  • Points: 3 Points

    Recently Closed Loans

    We serve cities and towns across Texas, including:

    San Antonio
    Fort Worth
    El Paso

    Corpus Christi

    Grand Prairie

    Gelt Financial reviews
    google logo
    five stars

    “Words can not convey the excellent service and attention that I received from Gelt Financial, LLC. From Michael, the person that originated my loan to Marcy that helped close it, they all went above and beyond to help me secure my loan. Even the owners got involved in the process to help me make this loan. Everyone on the staff is a pleasure to talk to, and they will do all that is needed to be done to help you []”

    Alexander M.

    google logo
    five stars

    “I had a client who was in a tough situation. Something happened to this wonderful woman that created the situation. Gelt was very understanding of her circumstances and was very willing to work within her perimeter. They treated everyone with the utmost respect. I would recommend anyone in a bind try them. Thanks Gelt”

    Pattie R.

    google logo
    five stars

    “Gelt Financial was a big help with financing for our properties. The process is streamlined, great cutomer service and everyone worked diligently to get the company applying taken care of! I would definitely recommend Gelt. When you do utilize them ask for Noah and especially Marcy! Marcy is 100% on it to get the job done, communicates throughout the whole process and pushes everything past the finish line!”

    Michael – Sample Realty Group

    Gelt Financial offers 5% extra piggyback second mortgages!

    Call us today! 561-221-0900


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

    Private Money Loans – Top Five FAQ

    How Fast Can I Get a Hard Money Loan?

    There’s no set answer to this question other than “it depends.” There are different lenders who conduct their firms differently. It depends on their processes in issuing loans to new clients in terms of a time frame. Gelt Financial as a top lender is extremely efficient in issuing loans and can do so in a matter of two weeks, if not quicker than that.

    If you have a previously established relationship with Gelt Financial as your lender, we can speed up the process even more. It could be within days you have access to your money. At other agencies, AI programs are sometimes utilized to calculate loans, such as Delancey Streets. But at Gelt, you’ll work with real people, with real experience.

    What Can I Use a Hard Money Loan For?

    Hard money loans allow for quickly borrowed capital, secured by real estate, and funded by a private money loan. With these loans, you can pay for a home, your mortgage, a business expense, real estate investments, home renovations, and a host of other investment and financial needs:

    • Flip Loans
    • Real Estate Purchase
    • Residential Investments
    • Business loans
    • Commercial real estate investments
    • Asset-based loans

    For as many ways hard money loans can be applied, there are lenders to issue them. There are lenders for business loans, construction loans, a type of commercial loan, private money lenders for residential, owner-occupied situations, private investors for real estate loans, and even no money down lenders—the list goes on. For every financial need and situation, there’s a lender waiting to fulfill the need.

    House flippers, people looking to turn around a piece of real estate quickly and efficiently, opt for hard money loans. They also use the advantage of these loans to close the deal on a property fast, beating the competition. There are many lenders for real estate because the loan style is popular for property development. Investors can build a home and sell it for a profit within a short time period. These short term loans allow people with bad credit to take on business loans, construction loans, and begin real estate investing regardless of their credit history.

    How is a Hard Money Loan Different?

    A hard money loan, or private money loan, is different from a traditional loan because the private lender does not require a credit check. Unlike a conventional loan, hard money loans are not processed through a financial institution like a bank. Instead, they go through a private money lender who uses real estate to secure the loan as collateral. And unlike conventional mortgages, private mortgages are secured by real estate. They’re set in place by loan to value ratios (LTV ratios) at capital rates. Private lenders skirt around things like bad credit during the application process to allow for these short term loans.

    Why Go For a Hard Money Loan?

    There is a multitude of reasons to pursue a private loan instead of opting for a loan through a bank or credit union. The advantages are that you won’t be jumping through hoops to obtain it. Any kind of hard money loan is fast, much speedier than going through the traditional by-the-bank process. With a private loan, you’ll be set to invest in a matter of a few weeks. After establishing a relationship with your lender, verifying your banking and income information, you’ll be set to go. Unlike a traditional loan, there’s no need to be meticulous about the process.

    Another prevailing reason behind hard money loans is that there doesn’t have to be a credit check. That’s why you’ll often see private lenders advertise things like “no doc loans” or “bad credit is ok” because these loans are for those who have struggled with obtaining a high credit score, or whose credit reports have been tainted in the past.

    Can I Get a Hard Money Loan With Bad Credit?

    Yes! One of the leading benefits for a hard money loan is no credit check. Lenders like Gelt Financial often do not require any credit documentation in concern with your financial standing. If you’re climbing out of a rough situation, even from years ago, the negatives will follow you around on your credit report for ten years, making it extraordinarily difficult to obtain a loan in the traditional sense. National private money lenders, or asset-based real estate private lenders move around the process of credit-checking or requesting credit reports, which is why a private money loan is often the best option for people struggling with poor or even mediocre credit scores.


    • Foreign National Borrowers

    • Non-Recourse Financing

    • Complex Transactions

    • Refinance & Recapitalizations
    • Storied Loans

    • Joint Ventures

    • Foreclosure/DPO

    • Acquisition

    • Rehab and Value Added Deals

    • No Income Verification and Light Documentation

    • No Seasoning Requirements

    • Discount Note Purchasing Financing

    • Note Financing

    • Subordinated Debt

    • Partnership Buyouts

    • Judgement Payoffs

    • Blanket Loans

    • Pref Equity/Mezzanine

    • Partnership Programs

    • No Minimum Credit Scores

    • 100% Gift Funds
    • No Look Back on Previous Bankruptcies and Foreclosures

    • Nationwide Lending

    Sorry, we don’t lend on land and we are not construction lenders.

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