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Gelt Financial
Based in Boca Raton, FL · founded 1989 · lends in All 50 states + DC
Not reviewed yet · Listing not claimed
Advertised terms
As advertised on lender's website · checked 2026-10-27- Interest rate
- 12%
- Points
- —
- Loan size
- $50K–$2M
- Term
- 6 months
- Max loan-to-cost (LTC)
- 100%
- Max of after-repair value (ARV)
- —
- Max loan-to-value (LTV)
- 75%
- Minimum credit score
- —
- Speed to close
- Close in as little as 3–5 days
- Draw process
- —
- Personal guarantee
- 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 Option
Terms as advertised on Gelt Financial's website, last checked October 27, 2026. Not an offer; actual terms depend on your deal. Confirm directly with the lender.
“—” means the lender's website didn't say, not that the lender doesn't offer it. Source: geltfinancial.com.
Where Gelt Financial lends
51 states.
Borrower reviews
No reviews yet
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Frequently asked questions
What loans does Gelt Financial offer?
According to their website: fix-and-flip loans, bridge loans. Confirm current programs with the lender.
What are Gelt Financial's rates?
Advertised rates of 12% with — points, as advertised on their website (checked 2026-10-27).
Is Gelt Financial the right lender for my deal?
It depends on your deal, leverage needs and timeline. The fastest way to know is to compare term sheets from several lenders for the same deal.
Can Gelt Financial update or remove this listing?
Yes. Lenders can request corrections, claim the listing to verify their terms, or ask to be removed.
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HardMoneyRate does not rank lenders by who pays us. Lists are A–Z by default and you choose the sort. No lender can buy a higher position, a “featured” badge, or a better rating. Terms are what each lender advertises on its own website, checked regularly. They aren't offers and haven't been confirmed with the lender. Reviews can only come from borrowers who actually connected with that lender through HardMoneyRate. Lenders can request corrections or removal at any time.