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.

  • Rates: Starting at 12% Interest Only

  • Closing Time: 10 business days or less
  • Loan Sizes: $50,000 to $2,000,000

  • Minimum Property Value: $250,000

  • Terms: 6 months to 5 years

  • Leverage: Up to 75% LTV in specific markets

  • We Can Be Flexible: Customize Terms to Meet Borrowers Needs

  • Purposes: Purchase, Refinance, & Renovations

  • Points: 3.00%

  • Lending Areas: Nationwide (except AK, AZ, CA, HI, ID, MN, ND, NV, OR, SD, UT, VT)

  • Common Sense Underwriting: Deal With Decision Makers

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

Sorry, we only lend on non-owner-occupied residences.
We require an upfront due diligence fee after the term sheet is signed. The remaining fees are due at the time of closing.
No, there is not an approval fee.
No, they are not required, but we are willing to review them.
We provide approvals on each of our submissions within 24 hours.

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.

  • Rates: Starting at 12% Interest Only

  • Closing Time: 10 business days or less
  • Loan Sizes: $50,000 to $2,000,000

  • Minimum Property Value: $250,000

  • Terms: 6 months to 5 years

  • Leverage: Up to 65% of the Current Value (Up To 100% LTV With Additional Collateral)
  • We Can Be Flexible: Customize Terms to Meet Borrowers Needs

  • Purposes: Purchase, Refinance, & Renovations

  • Points: 3.00%

  • Landing Areas: Nationwide (except AK, AZ, CA, HI, ID, MN, ND, NV, OR, SD, UT, VT)

  • Common Sense Underwriting: Deal With Decision Makers

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

Yes, we are a direct lender. This means you speak with the decision-makers. This gives us flexibility with structuring deals that meet our borrowers’ needs.
We do not lend on land, rural, construction, development, assisted living facilities, and specialty properties.
Yes, our rates are typically higher than bank rates but we offer programs that banks do not offer.
Yes, we offer “no doc” and “limited documentation” loans

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.

  • Rates: From 12%

  • Closing Time: 10 business days or less
  • Loan Sizes: $50,000 to $2,000,000

  • Minimum Property Value: $250,000

  • Terms: 6 months to 5 years

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

  • We Can Be Flexible: Customize Terms to Meet Borrowers Needs

  • Purposes: Purchase, Refinance, Renovations, Foreclosure Bailout
  • Points: 3.00%

  • Lending Areas: Nationwide (except AK, AZ, CA, HI, ID, MN, ND, NV, OR, SD, UT, VT)

  • Common Sense Underwriting: Deal With Decision Makers

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

Please begin with one of the following:

Yes, we can help those in foreclosure. These loans are called ‘foreclosure bailout’ and we specialize in them.
Gelt Financial services your loan after closing. You will be dealing with us the entire time.
No, we don’t have a minimum credit score requirement.
It depends on the situation. Our loans are collateral-driven and we focus on the value of the real estate. If necessary, we allow borrowers to use additional collateral instead of a down payment.

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.