Gelt Financial is a private portfolio commercial lender financing properties all across the country for commercial real estate owners and investors since 1989. Fast approvals, fast closings with non-bank programs. Low credit scores okay. Commonsense underwriting, deal directly with the decision makers. We under stand that past does not judge our future.

To speak with a loan officer right now, fill out the contact form to the right.

  • Loan Size:       $100K – $10MM+
  • Rates:              From 5.00%
  • Purpose:         Purchase, Refinance, & Cash Out
  • Terms:             Up to 30 Years
  • Amortization: Up to 30 Years
  • LTV:                 Up to 75% of Appraised Value (up to 100% with other collateral or if the value is high enough)
  • Points:             From 1 Point


Your Name (*Required)
Email Address (*Required) Phone Number
Documentation Type?
Address of Property
Type of Property
Value of Property
Loan Amount Requested
Credit Score
Loan Type
Time Frame For Closing?


Gelt Financial is a private portfolio commercial lender,  financing properties all across the country for commercial real estate owners and investors. Fast approvals, fast closings with non-bank programs. Low credit scores okay.

Most any potential investment can be considered and because we use our own funds and make the decisions internally, you get a quick, reliable answer. Private money or what some people call Hard money is our specialty and we approve commercial real estate purchases that other banks turn down. Don’t let a bank convince you your proposal isn’t worth the effort.


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, & Quick Closings

Common Sense & Fair Underwriting

Loan Programs for all Financing Situations

Over 29 Years In Business

Gelt does not shy away from complicated and difficult financing situations. With Gelt being in business for the past 29 years, we are eager and confident to tackle any obstacle that comes our way.

Gelt’s goal is to provide 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.


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.”
“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.”


At Gelt Financial, we know that every project has its own unique aspects. No two projects are exactly the same. We have the private lending resources that can finance most any opportunity. If the deal makes sense, we fund it. Tell us what you’re looking for and we can work together to craft the perfect private money solution. Here is what separates Gelt Financial from everyone else:

Founded in 1989, Gelt is uniquely positioned with strategic alliances to help obtain financing.Gelt finds unique financing solutions best suited for you and your business’s needs. Meeting your needs and goals is important to us to we can customize any deal to meet your goals, Flexible commonsense underwriting, Loan terms that you want, payments that you can afford.

In it’s lifetime Gelt has closed over 10,000 loans, both small and large. Will your loan be the next?
Gelt has always exceeded its clients expectations by offering reliability and professionalism.
Gelt’s team work’s tirelessly to ensure the entire transaction is handled quickly and correctly. Most mortgages are approved the same day or within 24 hours and we are known for our quick closings. We aim to meet your timelines
When dealing with Gelt, you speak to decision makers directly


You have questions and we have answers. Gelt Financial’s team is filled with decision maker’s that work quickly and diligently for a successful commercial loan outcome.

The process begins by filling out the form at the top of this page and speaking to one of our experienced loan officers. From there we can determine the best way to proceed

Gelt Financial keeps an open mind on deals with a wide array of different collateral. The most common types are: Office, Retail, Industrial, Self-Storage, Single Tenant, and Mixed-Use.

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.

At Gelt, there is no “difficult” deal. If we can envision the outcome we can craft a program to reach your goals. We’re not tied to loan program guidelines as much as finding a way to make your deal work with terms you can appreciate. Our entire line of private money solutions can finance most any transaction.

Gelt Financial is a common sense underwriter that looks for financials that make sense.

As a private lender, the entire approval process is streamlined. After an initial discussion with one of our experienced loan officers we can provide you with a legitimate timeline. Most private mortgages we fund close within 30 days.

Gelt Financial has loan officers standing by waiting to discuss your real estate project and commercial loan needs. Please fill out the form at the top of this page and a loan officer will call you right away.”

Invest in Commercial Real Estate Mortgage Debt and Trust Deeds

Safe, conservative investments backed by local real estate.

If you are an accredited investor, Hedge Fund or Family office looking to invest in commercial first mortgages on real estate with above market returns we offer a complete turnkey solution for you to invest in private commercial real estate mortgages at low loan to values.

If you are a private investor looking to invest in real estate but don’t possess the know-how or time required to acquire investment properties, mortgage note investments are an excellent alternative. Mortgage note investments can offer attractive annual returns through a more passive investment vehicle. Every mortgage note is secured by desirable properties, and offer potentially high annual yields that can sometimes outperform the ROI achieved from investment property ownership. Our management team has over 30 years of combined experience in the real estate industry, arranging private money loans and working with private investors. We have worked with a multitude of investors and have enjoyed building long-standing relationships.

Private investors earn high annual yields by investing in private mortgages, secured by first mortgages on real estate. We originate and service commercial mortgages and fund these loans with private investor capital.  If you are an accredited investor and seeking attractive returns, please email to learn about investment opportunities. For those new to mortgage note investing, mortgage note investments are a great alternative to purchasing investment real estate.

Gelt’s Approach to Mortgage Lending

At Gelt Financial, we believe that, when done properly, mortgage lending can be an attractive and secure investment. 
To this end, we utilize the following principals when underwriting loans:

  • Conservative Loan-To-Value Limits. Loan-To-Value (LTV) simply means the amount of the loan divided by the value of the property. Lower LTVs mean lower risk, as there is greater collateral value securing the loan. While Wall Street loans of the mid-2000s were often done at 100% LTV and banks still routinely make 95% LTV loans on owner-occupied properties today, Gelt makes loans where the LTV at the completion of any improvements will be no greater than 65%. Overall, we target a portfolio LTV of no more than 50%.

  • Focus on Repayment. For each loan, we focus intently on how we will be repaid, even if the borrower defaults.

  • Focus on Safety over volume. We have been in all economics markets and learned that it’s much better to focus on risk aversion over volume. So we are very focused on this.

You can invest in a single mortgage or diversify your portfolio

Reasons to Invest in Mortgages and Trust Deeds

  • Targeted net returns between 8%-14%

  • Returns distributed monthly
  • Investments secured by first mortgages on low leveraged commerical and investment real estate

  • Exposure to real estate without management hassles

  • Passive income

Single Notes

Investors can purchase single whole notes secured by real property. The investor owns the entire note and the borrower pays the investor monthly mortgage payments which are collected by a servicing agent and distributed to the investor every month.

Fractionalized Notes
Fractional notes are single whole notes secured by real property that are owned by 2 to 10 investors. Each investor owns an undivided interest in the note and receives a pro rata share of the monthly mortgage interest that is collected by a servicing agent and distributed to the investors every month.


Transparency is an important aspect of any investment. Simply put, it’s important for you to know what type of assets are securing your investment and that there are no surprises later on. At Gelt our goal is to provide complete transparency and, as a result, you review the complete underwriting and due diligence file with all documents and collateral information in it before you make a decision about investing.

In it is Financial Statements, Proof of Income, Credit, Leases, Appraisals, Title Reports, Insurance Underwriting analysis of the risks and the loan file. Once the loan is closed you also have access to detailed loan summaries, payment histories, project updates and photos, copies of key loan documents (such as Notes, mortgages, appraisals, etc.), monthly financial reports


If you are a qualified investor, that’s suitable for this type of investment we will send to you an investment opportunity for you to review. If you don’t like what you see you don’t invest. You only invest after you review and approve each deal.

Gelt Financial offers you more than 28 years of successful experience, high underwriting standards, and rigorous due diligence.

For more information please contact us

How May We Assist You?

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


Important Disclosures

Mortgage investing involves a high degree of risk and should be considered only by sophisticated investors who can bear the risk of the loss of their entire investment.  These securities have not been reviewed or approved by United States Securities and Exchange Commission or by any state securities agency, nor have those authorities passed upon the accuracy or adequacy of this website or any other information furnished to prospective investors in connection with this offering.  This offering is open only to “accredited investors” as defined in Rule 501 of Regulation D of the Securities Act of 1933. These securities are being offered under an exemption from the registration requirements of the Securities Act of 1933 and have not been registered with the United States Securities and Exchange Commission or any state securities agency.

As a result of this exemption, these securities are subject to legal restrictions on transfer, and Gelt Financial, LLC is not required to comply with certain disclosure requirements that apply to securities that have been registered under the Securities Act.  Prospective investors should not assume that they will be able to liquidate or resell these securities and should be aware that no public market exists for doing so.  Gelt is not registered as an investment company under the Investment Company Act of 1940, and investors are not subject to the protections offered by this Act. This material contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements regarding future events and/or the future performance of any mortgage or investments are subject to certain risks and uncertainties that could

cause actual events or the actual future results of Gelt to differ materially from such forward-looking statements. Any historical performance data contained herein represents past performance and does not guarantee future results; current and future performance may be different than the performance data presented. Gelt is not required to follow any standard methodology when presenting performance data and its performance may not be directly comparable to the performance of other similar funds.  This website provides a limited summary of Gelt and is not intended to be a comprehensive overview of its business, operations, risks, or condition, nor is this website intended to represent balanced investment advice.