Direct Private Bridge Lender · Est. 2003
Bridge loans in Miami, FL
GPS Capital is a direct private bridge lender for investment property across Miami and Miami-Dade County. Bridge capital for non-warrantable condos, waterfront homes, multifamily and commercial transitions - underwritten in-house, funded in as fast as one week.
Miami 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 Miami
Miami bridge deals come in three shapes: condos banks will not approve, buyers who need to perform like cash, and properties mid-transition to a sale or permanent financing. We underwrite the asset and the exit - not tax returns, not credit scores. For regional depth, see southflorida.gpscapllc.com.
Questions
Miami FAQ
Who is a direct bridge lender in Miami?
GPS Capital is a direct private bridge lender, funding investment property nationwide since 2003, including the Miami 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 Miami?
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.
Can I get a bridge loan on a non-warrantable Miami condo?
Yes. Non-warrantable condos are a core part of our South Florida business. We underwrite the unit and the building ourselves instead of applying bank warrantability rules.
What credit score or income docs do I need for a Miami 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 Miami-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.