Creative Private Lender for Investment Real Estate
Gelt Financial is a direct portfolio lender based in South Florida. We have been in business since 1989, offering non-bank loans for commercial and residential real estate investors. Deal direct with the decision makers who can approve and close your loan fast. No loan committees. We are common sense private lenders. In it’s lifetime, Gelt Financial has closed over 10,000 loans. Gelt does not shy away from complicated and difficult financing situations. We are eager and confident to tackle any obstacle that comes our way.
- Deal directly with the decision makers
- Credit problems understood
- No income verification
- Fast approvals and closings
- Flexible lending to meet your needs
- Collateral based
- Mezzanine and Subordinated Debt
- Preferred Equity and Partnership Programs
- Foreclosure or Debtor in Possession OK
- No look back on previous foreclosures or BK
- Non-recourse lending
- Mortgage brokers are protected
Please note: we do not offer loans for land, ground-up construction or owner-occupied homes.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add):
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Multifamily Value-Add
Commercial Value-Add
Property Types
- 2-4 Units Residential
- Car Wash
- Child Day Care
- Commercial Condominium
- Condominium
- Gas Station
- Hotel
- Industrial
- Manufactured Home
- Mixed-Use
- Mobile Home
- Mobile Home Park
- Motel
- Multifamily
- Office
- Parking Garage
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- RV Park
- Retail
- School
- Single Family Residence
- Storage Facility
- Student Housing
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Commercial Bridge
- Commercial Property Value Add
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- 3rd Mortgage Equity Cash Out
- Bankruptcy Resolution
- Cannabis Use Properties
- Commercial Permanent Financing
- Condo Conversion
- Debtor in Possession
- Discounted Note Payoff
- Foreclosure Bailout
- Note Purchase
- Partner Buyout
- Primary Residence Business Purpose Cash Out
- TIC Tenancy-in-Common
Junior Lien Loan Amounts
$250,000 to $10,000,000
Junior Lien Interest Rates
12% to 20%
Junior Lien Loan-to-Value
85%
Junior Lien Loan-to-Cost
100%
We Fund Junior Position Loans
Often
Junior Lien Types
- Purchase
- Refinance
- Equity Cash Out
- Mezzanine
- Preferred Equity
Max Loan-to-Purchase Price
100%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
noWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Seller Financing
- Gap Lender
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
2Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
5Legal Fee
Actual outside attorney costs
Appraisal Fee
Actual appraisal fee
Minimum Origination Fee Amount
$5,000
Fees which are mandatory for all new borrower clients
- Due Diligence Fee
Fees which are paid to a third party company
- Legal Fee
- Appraisal Fee
- Title Fee
Gelt Financial, LLC Testimonials
""One of the best companies you can work with when is comes to commercial real financing. Very fast dedicated and pays commission to their broker the SAME DAY as the borrower is funded. I love the Gelt team. I will continue to do business with them and I suggest you do too. And they give incentives and cool monthly gifts.""
""My experience with Gelt ranks high among the BEST I have had working with any lender. The speed and efficiency of the transaction made this loan close in record time despite being a difficult deal. The Gelt team is a well-oiled machine as such required minimal effort from me. I'm certainly looking forward to my next transaction with them.""
""The entire team at Gelt Financial was able to critically assess and formulate innovative solutions to critical challenges pertaining to one of our investment transactions. Their team recognized our needs and expectations and literally bent over backwards for us. One of the most important quality that we look for in a lender for all of our investment transactions is the ability to problem solve. Without question, Gelt absolutely accomplished this. Looking forward in working with your team again in the near future. Thank you!""
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Gelt Financial, LLC (“Gelt”) is a Balance Sheet commercial lender satisfying its clients financial needs and goals since 1989. Gelt’s robust commercial product offerings are available across the country to US Citizens and Foreign Nationals. We focus on loans between $100,000 and $5 million. We also have a portfolio product which we offer to real estate investors and commercial property owners, including Bridge loans, foreclosure bailout’s, no income verification , property only verification, foreign nation loans, no appraisal and non recourse loans, JV Equity, Pre Equity as well as Mezz and loans with credit problems. We offer preferred equity and recapitalization’s to existing commercial real estate partnerships. “When your Bank says no, We say YES!”
Office Locations
6401 Congress Ave. Suite 215, Boca Raton, Florida 33487Our Team
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Our Minimum Loan Amount Is
$100,000
What We Do
- Asset-Based Loans for Investment Property
- 100% LTP for Below Market Acquisitions
- LTV up to 70% for 1st Mortgages
- Junior Liens - 2nd Mortgage Cash Out
- Foreclosure Bailout
- Collateral Based Underwiring
Not Available
- NO Rural Areas
- NO Land or Construction Loans
- NO Assisted Living Facilities
- NO Specialty Property Types
- NO Owner-Occupied Homes