Nationwide Hard Money Lender for Commercial and Investment Real Estate

Deal directly with the decision-makers for quick approvals.

  • 3-5 Day Closings
  • No Minimum Credit Score
  • No Appraisal Required
  • 1-4 Unit Investment Properties
  • Commercial Properties
  • Foreclosure Bailouts
  • Bankruptcy Exits
  • Non-Recourse Options
  • No Income Verification Options
  • Low Doc Options
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When your bank says No, we say Yes!™

Nationwide Hard Money Lender for Commercial and Investment Real Estate

Why Investors Choose Gelt for Hard Money Lending

We are a direct portfolio hard money lender, not a broker, so you deal with decision-makers who can approve and fund your loan quickly with flexible terms.

Close in as little as 3–5 days - Gelt Financial

Close in as little as 3–5 days

We strive to close your loan as fast as possible!

No minimum credit score required - Gelt Financial

No minimum credit score required

We do not require a minimum credit score, but we may ask for a copy of your credit.

Often, no formal appraisal is required - Gelt Financial

No appraisal required

We don’t ask for an appraised value. Valuations are done in-house.

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Hard Money Loan Guidelines

First Mortgages Only. We can get flexible with these terms. Every situation has a story.

Loan amounts from $50,000 - $2,000,000

We fund hard money loans from $50K to $2M per property.

Minimum property value $250,000+

We require a minimum property value of $250K for hard money financing. Hard money loans generally have shorter repayment terms/periods, typically 12 to 24 months.

Terms from 6 months to 5 years

Flexible loan terms ranging from 6 months to 5 years. Hard money loans typically have short repayment periods, often ranging from six months to a few years.

Maximum loan-to-value (LTV) up to 65%

We lend up to 65% of the property’s value, subject to deal specifics. Traditional lenders often require a higher down payment for hard money loans than traditional loans, sometimes 20% to 35% or more.

Typical closing time is 3 to 5 days

Most hard money loans close in 3 to 5 days from receipt of documents.

Eligible property types: Residential-Investment and Commercial

We lend on multifamily, mixed-use, retail, office, etc., no owner-occupied.

Where we provide hard money and private money loans

Gelt Financial is a direct private lender offering hard money loans, no-credit-check loans, bridge loans, debtor-in-possession financing, and HOA and condo association loans across markets nationwide. Hard money lenders are generally private investors or companies that specialize in this type of lending.

States we currently lend in

We lend in 38 states across the U.S. on non-owner-occupied commercial and investment properties, typically in cities with a population of 50,000+ or within a Metropolitan Statistical Area (MSA). We do not lend in rural areas.

Loan types available in most states

  • Hard money loans for investment and commercial real estate
  • No credit check investment property loans
  • Short-term bridge loans for time-sensitive deals
  • Debtor in possession (DIP) financing
  • HOA and condo association financing

States we lend in

States we do not lend in

USA map of states we lend in

Gelt Financial By The Numbers

Loans Closed

10518

In Business Since

1989

Days Open

365

States We Lend In

38

Gelt Financial closes mortgages for commercial property owners and real estate investors nationwide. When searching for a private mortgage lender, it’s sometimes challenging to ensure you’re working directly with a lender, but at Gelt Financial, there is no third-party hand-off. Gelt Financial is a direct lender and will work with you from start to finish in just a few days. That makes all the difference by us handling all servicing post-closing.

Our hard money loans and single-family residence investment properties (1-4 Units) mortgages offer individual investors an opportunity to close deals faster than ever.

Gelt Financial reviews

Borrowers

  • Deal directly with the decision-makers

  • Credit problems understood

  • No income verification, qualification, and self-employment programs

  • Fast approvals and closings

  • Flexible products to meet your needs

  • Collateral-based lending

  • Pay interest-only terms

  • Loans to an LLC

  • Non-recourse lending

Mortgage Brokers

  • Mortgage Brokers are protected

  • Mortgage Broker friendly

  • Deal directly with the decision makers

  • Credit problems understood

  • No income verification, qualification, and self-employment programs

  • Fast approvals and closings

  • Flexible products to meet your clients’ needs

  • Collateral-based lending

  • Interest-only terms

Hard Money and Bridge Loan Programs

Gelt Financial is the ideal solution for “out of the box” transactions. We are a nationwide, private commercial mortgage lender for all types of existing real estate – including single-family, 1-4 unit, multifamily, mixed-use, office, retail, etc

Residential Investment Property Loans

Hard Money Loans for Investors and Small Business Owners

Short-term Bridge Loans for Time-Sensitive Deals

How Our Hard Money Loan Process Works

1. Tell us about your deal

2. Get a quick quote from a decision maker

3. Provide light documentation and review terms

4. Close in as little as 3–5 days

5. Work directly with Gelt for servicing

Get a Fast Hard Money Pre-approval

Share your scenario and get terms from a decision maker, not a call center.

Apply now!Apply now!

What We Offer as a Direct Hard Money Lender

Rapid Funding

  • Pre-approval within 24 hours
  • Average 3-5 day closing

Vast Experience

  • 35+ years in business
  • 10,000+ loans closed

Creative Solutions

  • Tell us your story
  • Flexible documentation

Deal With Decision Makers

  • Direct communication
  • Quick decisions

Hard Money Loan FAQs

A hard money lender is a private lender that makes asset-based loans secured by real estate, with approval driven primarily by the property and the deal instead of lengthy documentation and strict credit boxes. Gelt Financial is a direct portfolio lender, not a broker, so you work with decision-makers who can structure creative solutions and fund faster than a traditional bank, with far less red tape. Hard money lenders offer quick, flexible financing options based on the property’s value, making them ideal for time-sensitive deals and fix-and-flip real estate projects.

Gelt Financial can often close hard money and bridge loans in as little as 3 to 7 business days, once we have the required information and title work. Timing depends on the complexity of the deal, but our underwriting and docs process is streamlined so that investors can move quickly on time-sensitive opportunities.

We are primarily asset-based and do not require a specific minimum credit score; instead, we focus on the equity in the property, your experience as an investor, and a realistic exit strategy. We will review credit, income, and overall financial strength. Still, our guidelines are far more flexible than those for conventional mortgages with bank loans, especially for investors who do not fit traditional financing underwriting criteria.

Gelt Financial lends on non-owner-occupied investment and commercial properties, including 1- to 4-unit residential investments, multifamily, mixed-use, retail, office, industrial, and certain specialty assets. We do not lend on owner-occupied primary residences, and we focus on properties in established cities and metropolitan areas rather than rural locations.

Yes, we regularly work with borrowers who have late payments, collections, prior foreclosures, short sales, or even recent bankruptcies, as long as the deal has strong collateral and a clear plan to repay or refinance. Because we lend our own capital and underwrite based on the property and exit strategy, we can often approve private money loans that a traditional bank would decline.

To start, you can submit a quick loan application via our online form, call our office, or email us the basic details of the property, loan amount, and your plan for the deal. A decision maker will review your scenario, provide terms and interest rates, closing costs, and guide you through the next steps, such as collecting documents, ordering a title, and scheduling a closing, so that you can fund as quickly as possible. Our approval process is fast and straightforward.

How May We Assist You?

Whether you need hard money or short-term bridge loans, our team is ready to fund your commercial and real estate investment properties quickly, with flexible terms and direct access to decision-makers.