Credit concerns shouldn’t hold back your real estate investing ambitions. At Gelt Financial, we understand that life happens and your credit score doesn’t define your success. That’s why we offer flexible financing solutions tailored to individual needs, not just credit ratings.

Why choose Gelt Financial if you have bad credit?

Understanding Your Needs

  • No credit, bad credit, good credit? Your financial story is unique; we won’t judge you based on a single number.

  • Beyond the score. We see the potential in your project, experience, and commitment. Credit is just one piece of the puzzle.

  • Open and honest communication. We’ll explain our lending criteria clearly, so you understand how your project and background stack up.

Flexible and Tailored Solutions

  • One size doesn’t fit all. We customize loan options to fit your specific project, timeline, and risk profile.
  • Get the support you deserve. We’re not just lenders, we’re partners in your real estate journey.
  • Creative solutions for unique situations. We think outside the box to find financing options that work for you, even if traditional lenders say no.

Transparency and Trust

  • Clear criteria, predictable process. We explain our lending terms upfront, so you know exactly what to expect.
  • No hidden fees, no surprises. We believe in honest and transparent communication, building trust from the very beginning.
  • Your success is our success. We’re invested in your project’s outcome, and we’ll work with you to achieve your real estate investment goals.

Read what our borrowers and brokers say about us

Gelt Financial reviews
“We closed a deal just days ago with a borrower who had zero credit but an impressive 35-year business history. Their story exemplifies our commitment to providing financing opportunities beyond traditional credit checks.”
Jack Miller of Gelt FinancialJack Miller, Gelt Financial

Get Started on Your Loan Application – No Credit Score Needed

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

  • Rates: From 12%

  • 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)

  • Terms: Short term and Long term

  • Security: Collateral-driven

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

  • Points: 3 Points

    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

    Recently Closed Loans

    Credit Less Than Ideal? No Problem!

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


    • 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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