Direct Private Bridge Lender · Est. 2003
Bridge loans in Houston, TX
GPS Capital is a direct private bridge lender for Houston-area investment real estate. Bridge capital for commercial transitions, multifamily value-add and acquisitions that need to close before permanent financing is ready.
Houston bridge loan terms
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.
Bridge financing in Houston
Houston bridge deals often involve commercial and mixed-use assets in transition - a retail strip mid-repositioning, a building heading to stabilization. We underwrite the asset and the exit in-house, and a qualifying stabilized property can later move into our DSCR program.
Questions
Houston FAQ
Who is a direct bridge lender in Houston?
GPS Capital is a direct private bridge lender, funding investment property nationwide since 2003, including the Houston market. Every loan is underwritten, funded and serviced in-house - no broker, no outside committee between you and the wire.
What are bridge loan rates in Houston?
GPS Capital's bridge loans run 9.99% to 12.99% with 1 to 2 points, from $500K to $20M, up to 70% of after-repair value, typically on 12-month first-lien terms. Every deal is priced on its own merits.
When should a Houston commercial owner bridge instead of going straight to DSCR?
When the property is not stabilized yet or the timeline is tight, bridge first. Once cash flow is proven, DSCR can be the takeout - longer term, lower rate.
What credit score or income docs do I need for a Houston bridge loan?
None. There is no minimum credit score and no personal income verification in most cases - the property carries the loan. A personal guarantee is standard.
Do you work with Houston-area brokers?
Yes. Brokers are welcome and GPS Capital pays broker fees. Send the property address, 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.