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.