Direct Private Bridge Lender · Est. 2003
Where GPS Capital funds bridge loans
GPS Capital is a Brooklyn-based direct private bridge lender, funding investment real estate since 2003. We underwrite the asset, write the check and service the loan ourselves - which is why a well-documented deal can fund in as fast as one week instead of a quarter. Bridge loans from $500K to $20M, nationwide.
Find your market
Every market below has its own page with local terms and answers. If your city is not listed, send the deal anyway - we fund nationwide.
New York metro
- Brooklyn - our headquarters and home market. Bridge loans across every Brooklyn neighborhood.
- New York City - bridge capital across all five boroughs.
- Queens - 2-4 family and multifamily bridge loans.
- Manhattan - high-balance bridge loans to $20M.
- The Bronx - value-add multifamily bridge financing.
- Staten Island - flip and construction bridge loans.
- Long Island - Nassau and Suffolk bridge and cash-out.
New Jersey
- New Jersey - statewide bridge financing.
- Newark - multifamily and mixed-use bridge loans.
- Jersey City - condo and waterfront bridge loans.
- Lakewood - commercial and retail bridge loans.
Pennsylvania
- Philadelphia - bridge loans across the Philly metro.
South Florida
- Miami - Miami-Dade bridge loans, including non-warrantable condos.
- Fort Lauderdale / Broward - Broward County bridge financing.
- Boca Raton / Palm Beach - Palm Beach County bridge loans to $20M.
- Regional coverage: southflorida.gpscapllc.com.
Top metros nationwide (the 20 largest US metro areas - New York, Miami and Philadelphia are above)
One lender, one wire, one week
There is no outside committee and no one shopping your file. The same team reviews your deal, issues the term sheet, funds the loan and services it.
Rates 9.99% to 12.99%, 1 to 2 points, loans from $500K to $20M, up to 70% of after-repair value, typically 12-month first-lien terms. No minimum credit score, no personal income verification in most cases. Funds in as fast as one week - well-documented files have funded in 3 to 5 business days.
For brokers
Brokers are welcome on every deal, in every market. GPS Capital is the direct lender and pays broker fees. Send the property address, loan amount and the borrower's goal and we review it the same day.
Questions
Frequently asked questions
What is a bridge loan?
A short-term loan that spans the gap between today's deadline and tomorrow's takeout - closing a purchase before another property sells, refinancing a maturing loan, or carrying a renovation to stabilization. GPS Capital's bridge loans run 12 months, from $500K to $20M.
What is the difference between a bridge loan and a hard money loan?
They overlap. Hard money is the broad category of asset-based, short-term lending; a bridge loan is the version built to span a specific gap - a sale, a refinance or a stabilization. GPS Capital funds both on the same terms: 9.99% to 12.99%, 1 to 2 points.
How fast can a bridge loan actually fund?
As little as one week, and well-documented files have funded in 3 to 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 between you and the wire.
Does GPS Capital fund bridge loans outside New York?
Yes - nationwide. We are headquartered in Brooklyn and most active across the New York metro, New Jersey, Philadelphia, South Florida, Texas and California, and we fund in all fifty states.
Do you work with brokers?
Yes. Brokers are welcome and GPS Capital pays broker fees. Send the property address, the loan amount and the borrower's goal for a same-day review.
Related
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.