Direct Private Bridge Lender · Est. 2003
Bridge loans in San Francisco, CA
GPS Capital is a direct private bridge lender for investment real estate across San Francisco, Oakland and the Bay Area. High-balance bridge capital for purchases, cash-out refinances and renovations - a $20M ceiling built for Bay Area price points.
San Francisco 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 San Francisco
Bay Area bridge deals carry big numbers and short fuses. We underwrite at up to 70% of value with no income documentation in most cases, so your offer competes with cash while banks are still scheduling appraisals.
Questions
San Francisco FAQ
Who is a direct bridge lender in San Francisco?
GPS Capital is a direct private bridge lender, funding investment property nationwide since 2003, including the San Francisco 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 San Francisco?
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.
Do you fund bridge loans on tenant-occupied Bay Area buildings?
Yes. Tenant-occupied investment property is everyday business for us - we underwrite the property and the exit, not the tenancy.
What credit score or income docs do I need for a San Francisco 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 San Francisco-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.