Closings in about a week
We underwrite in-house with no outside committee. Well-documented files have funded in as few as 3–5 business days.
Direct Private Lender · Nationwide · Since 2003
Bridge & asset-based capital that moves at the speed of your deal.
GPS Capital is a direct private bridge lender. We underwrite the asset, write the check, and service the loan ourselves — which is why a well-documented deal can fund in about a week instead of a quarter.
- $500,000 to $20,000,000
- No minimum credit score
- Appraisal not always required
- No personal income verification
Max Loan
$20M
Minimum $500,000
Rates From
9.99%
Through 12.99%
Max Leverage
70%
Of after-repair value
Time To Close
1 Week
3–5 days on clean files
The Difference
Eight reasons the deal actually closes.
Banks underwrite the borrower. We underwrite the asset. That single difference is what removes the tax returns, the personal income verification, the credit minimums, and most of the calendar from the process.
No minimum credit score
Bad credit, thin credit, prior bankruptcy or foreclosure — none of it disqualifies the deal. The property carries the loan.
Appraisal not always required
In-house valuation lets us skip the formal appraisal on many files, which is usually what makes a one-week close possible.
No personal income verification
No tax returns and no W-2s in most cases. Property information, the ask, and a personal guarantee is typically the whole file.
Foreclosure bailouts
Facing a sale date? We move fast to pay off the existing lender and give you room to stabilize, sell, or refinance out.
Bankruptcy bailouts
In or exiting bankruptcy, we underwrite the property and the exit — not the filing history. Timelines here are our specialty.
Every asset class
SFR, 2–4 unit, multifamily, mixed-use, retail, office, industrial, self-storage, ground-up construction, and land case by case.
Nationwide, one lender
All fifty states in play. One relationship covers your NY walk-up, your Florida flip, and your Texas retail center.
Program Terms
The box we lend in.
Indicative parameters, not a commitment. Final pricing depends on the property, the leverage, the exit, and your track record. Every deal is priced on its own merits.
- Loan Amount
- $500K – $20M
- Interest Rate
- 9.99% – 12.99%
- Origination
- 2 Points
- Max Leverage
- 70% ARV
- Term
- 12 Months
- Lien Position
- 1st
- Credit Minimum
- None
- Personal Income Docs
- Not required
- Appraisal
- Often waived
- Recourse
- Personal Guarantee
- Geography
- Nationwide
- Funding Source
- Direct — our capital
What We Fund
Seven ways to use the capital.
Purchase, refinance, or rescue — the underwriting is the same asset-based look at the property and the exit. If your scenario isn't listed, send it anyway.
Acquisition
Close on an investment property fast, then refinance into permanent debt on your own timeline.
Bridge Financing
Short-term capital that spans the gap between today's deadline and tomorrow's takeout.
Cash-Out Refinance
Pull trapped equity out of a property you already own and redeploy it into the next deal.
Fix & Flip
Up to 70% of after-repair value on residential and commercial rehabs, priced on the ARV.
Foreclosure Bailout
Pay off the lender, stop the sale date, and buy the runway to stabilize or sell properly.
Bankruptcy Exit
Financing structured around the property and the plan, so the filing isn't what kills the deal.
Ground-Up Construction
New construction on investment property, underwritten on the project and the sponsor's plan.
Not On This List?
Land, self-storage, special-use, partner buyouts, odd timelines. Send the scenario — we'll tell you straight either way.
Track Record
Recently funded.
A sample of recent closings across asset classes and markets. Real files, real timelines.
Bridge Closed 2 Days After Receiving Title
IOS Storage
Philadelphia, PA
Closed a bridge loan 2 days after receiving title on this IOS storage property.
$3,500,000
Condo Purchase Closed Smoothly
Condo
Manhattan, NY
GPS Capital closed this condo purchase in Manhattan, NY.
$2,500,000
Land Loan Purchase · 3-Day Closing · No Appraisal
Land
Colts Neck, NJ
Closed this land loan in 3 days with no appraisal required.
$1,250,000
Retail Refinance
Retail Space
Lakewood, NJ
Funded by GPS Capital and co.
$11,000,000
Commercial Refinance
Commercial
Nyack, NY
Refinanced a commercial property held by a repeat borrower.
$1,700,000
Retail Space Refinance
Retail Space
Dayton, OH
Refinance of a 209,154 SF retail asset.
$2,000,000
Cash-Out Refinance
Cash-Out
Brooklyn, NY
Closed in a week for a borrower who needed to move fast.
$425,000
22-Unit Refinance
Multifamily
Spring Valley, Rockland County, NY
Closed in one week on a 22-unit refinance.
$1,950,000
Past closings are illustrative. Terms and timelines vary by deal.
Where We Lend
Nationwide, with feet on the ground.
We close in all fifty states. These are the markets we are in most often — recent closings include Philadelphia, Manhattan, Colts Neck, Lakewood, Nyack, Dayton, Brooklyn, and Spring Valley.
- New York Active
- Brooklyn & Queens Active
- Manhattan Active
- Rockland County Active
- New Jersey Active
- Lakewood, NJ Active
- Pennsylvania Active
- Philadelphia Active
- Connecticut Active
- Massachusetts Active
- Maryland Active
- Virginia Active
- North Carolina Active
- Georgia Active
- Florida Active
- Texas Active
- Ohio Active
- Illinois Active
- California Active
- All other states Case by case
Questions
Answered plainly.
Still unsure whether your scenario fits? Call 718-247-8863 and ask. We'll tell you straight.
How fast can you actually fund?
As little as one week, and we have funded well-documented files in 3–5 business days. Because we are a direct lender underwriting with our own capital, there is no broker, no outside committee, and no third-party approval sitting between you and the wire.
What credit score do I need?
There is no minimum. We underwrite the asset and the deal structure, not your personal credit history. Poor credit, no credit, prior bankruptcies, and prior foreclosures are all workable — they are a normal part of the files we see.
How large a loan will you write?
From $500,000 up to $20,000,000, at a maximum of 70% of after-repair value. Rates run 9.99%–12.99% with 2 origination points and terms typically of twelve months, priced to the specific deal.
Do you require an appraisal?
Not always. We can close without a formal appraisal in many cases using in-house valuation. On a time-sensitive acquisition, skipping the appraisal is frequently the difference between a one-week close and a six-week close.
What property types do you lend on?
Single family, 2–4 unit, multifamily of five or more units, mixed-use, retail, office, commercial, industrial and warehouse, self-storage, ground-up construction, and land on a case-by-case basis. Stabilized and value-add are both fine.
Do you lend outside of New York?
Yes — nationwide. We are active in New York, New Jersey, Florida, Texas, California, Pennsylvania, Connecticut, Massachusetts, Georgia, Maryland, Virginia, North Carolina, Illinois, and Ohio, among others. Send your deal and we'll confirm the state.
Are you a direct lender or a broker?
A direct lender. We underwrite, fund, and service our own loans in-house. Practically, that means faster decisions, fewer fees, and no one shopping your file around behind your back.
What do you need from me to start?
Very little: the property, the loan amount you're after, a purchase contract if there is one, and a personal guarantee. No tax returns and no personal income verification in most cases. The intake form on this page covers everything we need for a first look.
Next Step
Send the deal. Get a
straight answer.
Property type, address, loan amount, and your goal is enough for us to start. Every submission is reviewed by the team that funds the loan, with follow-up inside 2 hours.