Gelt Financial, LLC
Gelt Financial, LLC, based in Boca Raton, Florida, has provided creative private loans since 1989. They specialize in non-bank financing for commercial and residential real estate, with loan amounts ranging from $50,000 to $3 million, accommodating various borrower needs and complex financing situations.
Lending Quick Facts
- We do not require Appraisals:
Common Loan Scenarios
- 1st Mortgage Loans for Investment Property
- 65% LTP for Acquisitions
- 65% LTV for Refinances
- Foreclosure Bailout
- Bankruptcy Exit
- HOA/COA Financing
Scenarios Not Considered
- Rural Areas
- Land or Construction Loans outside of South Florida
- Heavy Rehab
- Development
- Assisted Living Facilities
- Specialty Property Types
- Owner-Occupied Homes
Gelt Financial is a private lender that deploys exclusively our own capital, giving us the ability to move quickly and structure loans with a level of flexibility that traditional institutions simply cannot offer. Because we are not bound by rigid banking guidelines, every opportunity is reviewed on a true case-by-case basis.
We do not require appraisals, and there are no minimum credit score requirements. Our loan-to-value parameters are highly flexible and are determined by the overall strength of the opportunity, including the property’s location, condition, income potential, exit strategy, and any additional compensating factors.
This approach allows us to evaluate deals creatively and efficiently, making us an ideal lending partner for borrowers and brokers seeking fast, practical solutions.
To get started, simply send over the property address along with a brief overview of the scenario. Our team can quickly assess the opportunity and provide feedback on whether it is a fit.
In addition, we have the ability to cross-collateralize with other free-and-clear properties when necessary, providing even greater flexibility in structuring transactions.
We look forward to the opportunity to work with you.
Purchase Short-Term (no Value-Add)
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term
Residential Fix & Flip
Multifamily Value-Add
Commercial Value-Add
Property Types
- 2-4 Units Residential
- Auto Dealership
- Auto Repair
- Cannabis Dispensary
- Car Wash
- Child Day Care
- Club
- Commercial Condominium
- Commercial Land
- Condominium
- Cooperative
- Gas Station
- Hotel
- Industrial
- Manufactured Home
- Mixed-Use
- Mobile Home
- Mobile Home Park
- Motel
- Multifamily
- Night Club
- Office
- Parking Garage
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- RV Park
- Residential Land
- Retail
- School
- Single Family Residence
- Storage Facility
- Student Housing
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Multifamily Bridge
- Multifamily Rehab
- Commercial Bridge
- Commercial Property Value Add
Specialty Loan Types
- Bankruptcy Resolution
- Cannabis Use Properties
- Commercial Permanent Financing
- Condo Conversion
- Debtor in Possession
- Discounted Note Payoff
- Foreclosure Bailout
- Luxury Homes
- Note Purchase
- Partner Buyout
- Primary Residence Business Purpose Cash Out
- Residential Long-Term Rental
- Residential Short-Term Rental
- TIC Tenancy-in-Common
Legal Fee
Actual outside attorney costs
Fees which are mandatory for all new borrower clients
- Due Diligence Fee
Fees which are paid to a third party company
- Legal Fee
- Title Fee
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 directly 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
- JV equity Partnership Programs
- Foreclosure or Debtor in Possession OK
- No look back on previous foreclosures or BK
- Non-recourse lending
- Mortgage brokers are protected
- Minimum value $250,000
Please note: we do not offer loans for ground-up construction or owner-occupied homes.
Last updated: June 26, 2026
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Gelt Financial, LLC’s Lending Activity
Data Provided By Elementix
12mo Loan Volume
$11,013,945
12mo Loan Count
49
Total Loan Volume
$118,157,794
Average Loan Size
$377,501
Gelt Financial, LLC (“Gelt”) is a Balance Sheet Investment property and 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 $50,000 and $3 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, 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
Our Team
Jack Miller
President & Founder
Michael Kelman
Business Development
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!""
Private Lending Insights
Deals Funded By Gelt Financial, LLC
Our minimum loan amount is $50,000