Hard Money Loans for Florida’s Commercial Real Estate

Loan Terms

  • Rates: From 12%

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

  • Purpose: Purchase, Refinance, Fix and Flip, Bridge Loans, Investor Rehabs, Foreclosure Bailouts, Discount Note Purchase Financing

  • Terms: Short term and Long term

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

  • Points: 3 Points

Is Gelt Financial a Hard Money Lender?

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

Looking for a hard money loan in Florida?

Start an application below. We typically respond the same day.


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    Recently Closed Private Commercial Mortgages in Florida

    Daytona Beach Condo

    Closed: $600K First Mortgage in Daytona

    CLOSED IN FOUR BUSINESS DAYS!Gelt Financial is excited to announce we just closed a $600K First Mortgage on an investment condo in Daytona Beach, FL. This project was creative financing [...]

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    Looking For A Top Hard Money Lender in Florida?

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    Closed: $60K First Mortgage in Fort Lauderdale

    ANOTHER DEAL DONE IN FLORIDA! Gelt Financial just closed a $60K First Mortgage on an investment condo in Fort Lauderdale, FL. Click here to view more closed Fort Lauderdale hard [...]

    single family home investment Orlando, FL

    Closed: $400K First Mortgage in Orlando, FL

    Gelt Financial is excited to announce we just closed a $400K First Mortgage on two single family investment homes in Orlando, FL. If you need a hard money loan [...]

    Fort Lauderdale first mortgage

    Closed: $750K First Mortgage in Fort Lauderdale, FL

    JUST CLOSED IN SEVEN BUSINESS DAYS! Gelt Financial just closed a $750K First Mortgage on a retail building in Fort Lauderdale, FL. This loan needed to close FAST, and we [...]

    Orlando Property - commercial hard money loan

    Closed: $840K First Mortgage in Orlando

    JUST CLOSED IN FIVE BUSINESS DAYS! Gelt Financial is excited to announce we just closed an $840K First Mortgage on an office building in Orlando, FL. This project was [...]

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    Closed: $100K Distressed Debt Purchase in FL

    ANOTHER DEAL DONE IN FLORIDA! Gelt Financial just closed a $100K Distressed Debt Purchase on a single-family investment property in Fort Lauderdale.Gelt Financial purchases distressed debt, nonperforming loans, and sub-performing [...]

    Fort Lauderdale, FL

    Closed: $600K First Mortgage in Fort Lauderdale, FL

    JUST CLOSED IN FORT LAUDERDALE, FLORIDA! Gelt Financial just closed a $600K First Mortgage on a retail building in Fort Lauderdale, FL. The borrower was having trouble finding a [...]

    Closed: $235K First Mortgage in Englewood, FL

    JUST CLOSED IN ENGLEWOOD, FLORIDA! Gelt just closed a $235K First Mortgage purchase for a father and son team who operates outside of Florida. The duo wanted to expand [...]

    Closed: $700K First Mortgage in Lake Worth, FL

    JUST CLOSED IN LAKE WORTH, FLORIDA! Gelt Financial just closed a $700K First Mortgage on a 5-unit multifamily property in Lake Worth, FL. A local borrower came to us for [...]

    Closed: $225K First Mortgage in Citrus Springs, FL

    JUST CLOSED IN CITRUS SPRINGS, FLORIDA! Gelt Financial just closed a $225K First Mortgage on an owner-occupied restaurant in Citrus Springs, FL. Our borrower bought both the restaurant and [...]

    Closed: $400K First Mortgage in Boca Raton, FL

    JUST CLOSED IN BOCA RATON, FLORIDA! Gelt Financial is proud to announce we just closed a $400k single-family construction loan in Boca Raton, FL. A mortgage broker sought a [...]

    Closed: $242,500 First Mortgage in Miami, FL

    JUST CLOSED IN MIAMI, FLORIDA! We are pleased to announce we just closed a $242,500 First Mortgage on an investment property collateralized by a condo in Brickell, the heart [...]

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    Closed: $250K Land Loan in Miami

    JUST CLOSED IN MIAMI, FLORIDA! Gelt Financial is happy to announce we just closed on a $250,000 Land Loan in Miami, FL. This piece of land is zoned for [...]

    Brandenton FL

    Closed: $220K First Mortgage in Bradenton, FL

    JUST CLOSED IN BRADENTON, FLORIDA! Gelt Financial closed a $220K First Mortgage on a single-family investment property in Bradenton, FL. Our client needed a fix-and-flip loan with short-term financing [...]

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    Closed: $1.4MM Office Building in Fort Lauderdale, Florida

    JUST CLOSED IN FORT LAUDERDALE, FLORIDA! Gelt Financial is excited to announce we just closed a $1.4MM non-performing note purchase on an office building in Fort Lauderdale, FL. The [...]

    Closed: $250K Second Mortgage Boca Raton, FL

    JUST CLOSED IN BOCA RATON, FLORIDA! Gelt Financial just closed on a $250K Second Mortgage in Boca Raton, FL. Using DIP financing, also known as Debtor In Possession Financing, [...]

    Closed: First Mortgage on a $300K property

    DEAL CLOSED IN MIAMI, FLORIDA! Gelt Financial just closed on a $300K First Mortgage on a single-family, investment property in Miami, FL. The non-owner-occupied home was bought vacant and [...]

    We serve cities and towns across Florida, including:

    Boca Raton
    Boynton Beach
    Bradenton
    Cape Coral
    Citrus Springs
    Clearwater
    Coconut Creek
    Coral Gables
    Coral Springs
    Davie
    Daytona Beach
    Deerfield Beach
    Delray Beach
    Deltona
    Englewood
    Fort Lauderdale
    Fort Myers
    Gainesville
    Hallandale Beach
    Hialeah
    Hollywood
    Homestead

    Jacksonville
    Jupiter
    Kissimmee
    Lakeland
    Lake Worth
    Largo
    Lauderhill
    Margate
    Melbourne
    Miami
    Miami Beach
    Miami Gardens
    Miramar
    North Miami
    North Port
    Ocala
    Orlando
    Palm Bay

    Palm Coast
    Pembroke Pines
    Plantation
    Pompano Beach
    Port Orange
    Port St. Lucie
    Sanford
    Sarasota
    St. Petersburg
    Sunrise
    Tallahassee
    Tamarac
    Tampa
    Wellington
    West Palm Beach
    Weston
    Winter Haven

    Top 5 questions for Hard Money Loans

    Everyone has a different definition of what a hard money loan or lender is and it’s always changing. We are a private portfolio lender doing deals that provide people with the financing they need. I would say we offer hard money programs.

    Gelt Financial has no credit score requirements or minimums and provides common sense and “storied” underwriting to secure financing for even low credit scores. Gelt prides itself on flexibility.

    Gelt has been providing mortgage’s and the capital needed to the real estate investors since 1989, when you deal with Gelt you deal with the decision maker who will give you the straight story upfront, At Gelt most of the deals we approve we work out the terms right on the phone with our borrowers and then within a few hours issue a term sheet with all the details listed in easy to read language.

    Gelt Financial is not intimidated to handle complicated and messy financing deals. Gelt’s vast experience allows us to handle difficult deals that most others can’t.

    Yes, we do. We understand that things happen in life and are always looking to the future.

    Why choose Gelt?

    • Quick Access to Capital: Hard money loans offer rapid funding, allowing investors to take advantage of time-sensitive opportunities in the competitive CRE market.
    • Flexible Approval Criteria: Approval for a private commercial loan is often based on the collateral property’s value, not the borrower’s credit history or financial situation, making it more accessible to investors with less-than-perfect credit.
    • Customized Terms: Hard money lenders like Gelt offer flexibility in structuring loan terms, allowing borrowers to tailor repayment schedules to their project’s specific needs.

    Learn more about our hard money loan options.

    Hard Money Loans in Florida – Video Resources

    Is Gelt Financial a Hard Money Lender? Hard Money Loans and Mortgages Explained by a PRO

    What’s the difference between a Hard Money and Private Mortgage Lender?

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    Gelt Financial Hard Money Lenders

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    TYPES OF SERVICES AND LOANS WE OFFER

    • Foreign National Borrowers

    • Non-Recourse Financing

    • Complex Transactions

    • Refinance & Recapitalizations

    • Storied Loans

    • Debtor In Possession

    • 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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