What is a hard money loan?

A hard money loan is a short-term, asset-based loan secured by real estate. Unlike traditional bank loans, hard money lenders like GPS Capital focus on the value of the property rather than the borrower's credit score or income. This allows for faster closings and more flexible underwriting, making hard money loans ideal for real estate investors who need to move quickly.

How fast can GPS Capital close a hard money loan?

GPS Capital can close hard money loans in as little as one week. Our experienced team uses streamlined, investor-focused underwriting to move quickly when timing matters. We have funded hard money and bridge loans in as few as 3-5 business days for well-documented deals.

What is the maximum hard money loan amount at GPS Capital?

GPS Capital offers hard money and bridge loans up to $20,000,000 with a maximum LTV of 70% ARV (after-repair value). Minimum loan amounts start at $100,000.

What property types does GPS Capital lend on?

GPS Capital funds hard money loans on single family residential, 2-4 unit properties, multifamily (5+ units), mixed-use, commercial real estate, industrial and warehouse, ground-up construction, retail and office, self-storage, and land on a case-by-case basis. We lend on both stabilized and value-add investment properties.

Does GPS Capital require an appraisal for hard money loans?

Not always. GPS Capital can close hard money loans without an appraisal in many cases, which helps speed up the closing process for time-sensitive investment deals. Our team uses in-house valuation tools to underwrite efficiently without always requiring a formal appraisal.

Does GPS Capital do foreclosure or bankruptcy bailout loans?

Yes. GPS Capital offers hard money financing for foreclosure bailouts and bankruptcy bailouts, helping investors and property owners stabilize distressed situations quickly. We can move fast when timelines are critical, and our asset-based underwriting means credit issues are not a barrier.

What is the minimum credit score for a hard money loan at GPS Capital?

GPS Capital has no minimum credit score requirement for hard money loans. We focus on the asset and the deal, not the borrower's personal credit history. Borrowers with poor credit, no credit, prior bankruptcies, or foreclosures are welcome to apply.

What states does GPS Capital lend in?

GPS Capital is a nationwide hard money lender. We lend across all major markets including New York, New Jersey, Florida, Texas, California, Pennsylvania, Connecticut, Massachusetts, Georgia, Maryland, Virginia, North Carolina, Illinois, Ohio, and many more. Contact us to confirm your specific state.

What are the interest rates on GPS Capital hard money loans?

GPS Capital hard money loan interest rates range from 9.99% to 12.99% per year, based on the deal profile, property type, LTV, and borrower experience. Origination fees are 2 points. Loan terms are typically 12 months.

What is the difference between a hard money loan and a bridge loan?

A hard money loan and a bridge loan are very similar short-term real estate financing products. Bridge loans typically refer to transitional financing used to bridge a gap between purchase and permanent financing or sale. Hard money loans are asset-based short-term loans often used for investment properties, fix-and-flip projects, or distressed situations. GPS Capital offers both products under the same program.

Can I get a hard money loan for a fix and flip?

Yes. GPS Capital provides hard money fix and flip loans for residential and commercial investment properties nationwide. We underwrite based on the after-repair value (ARV) of the property, lending up to 70% ARV with no minimum credit score and closing in as little as one week.

Does GPS Capital offer ground-up construction hard money loans?

Yes. GPS Capital funds ground-up construction loans for investment properties. We evaluate the project on an asset and deal basis, and our team is experienced in underwriting new construction hard money loans for residential and commercial projects.

How do I apply for a hard money loan with GPS Capital?

To apply for a hard money loan with GPS Capital, submit your deal through our online deal intake form at gpscapllc.com, email Deals@gpscapllc.com, or call 718-247-8863. Share the property type, address, loan amount, and your goal. Our team reviews every deal promptly and follows up within 24 hours.

What documents do I need for a hard money loan?

GPS Capital's hard money loan process requires minimal documentation compared to traditional lenders. Typically we need basic information about the property, the loan amount requested, a purchase contract or property information, and a personal guarantee. No tax returns or income verification are required in most cases.

Hard Money Lender NYC | Bridge Loans Up To $20M | No Credit Score

Max Loan Amount $20,000,000

Bridge & hard money

Interest Rates 9.99%–12.99%

Based on deal profile

Max LTV 70% ARV

Loan-to-value

Close In 1 Week

As quick as one week

Track Record

Recently funded deals

A sample of recent closings across the country.

Why GPS Capital — Direct Hard Money Lender

Easy Hard Money Approval

Asset-based hard money underwriting focused on the deal and the property — not endless paperwork or personal income verification.

Fast Hard Money Closings

As an experienced direct hard money lender, we underwrite bridge loans quickly so you can close in as little as one week when timing matters.

Appraisal Not Always Required

GPS Capital can close hard money and bridge loans without an appraisal, helping investors move faster on time-sensitive acquisitions.

All Asset Types Welcome

SFR, multifamily, commercial, industrial, ground-up construction, and niche investment property scenarios — we fund them all.

No Minimum Credit Score Required

GPS Capital does not require a minimum credit score. We underwrite based on the asset and the deal — not your personal credit history. Borrowers with bad credit, no credit, or prior derogatory marks are welcome to apply.

Foreclosure Bailout Loans

Facing foreclosure? GPS Capital provides hard money foreclosure bailout loans to help investors and property owners stop foreclosure quickly. Fast closings, asset-based underwriting, no minimum credit score.

Bankruptcy Bailout Loans

GPS Capital offers hard money financing for borrowers in or exiting bankruptcy. We underwrite based on the property and the deal structure — not your bankruptcy history. Our team moves fast when time is critical.

Nationwide Lending — All Asset Types

GPS Capital lends across the entire United States on all major asset types — single family, multifamily, commercial, mixed-use, industrial, and ground-up construction. One lender, any market, any property type.

Common questions

Is GPS Capital a direct hard money lender or a broker?

GPS Capital is a direct hard money lender — not a broker. We underwrite, fund, and service all of our own loans in-house. That means faster decisions, lower costs, and no middlemen slowing down your closing.

What credit score do I need for a hard money loan?

None. GPS Capital has no minimum credit score requirement. We underwrite hard money loans based on the property value and deal strength — not your personal credit history. Borrowers with prior foreclosures, bankruptcies, or poor credit are welcome.

How fast can I close a hard money loan with GPS Capital?

GPS Capital can close hard money loans in as little as one week. For well-documented deals, we have funded in as few as 3–5 business days. Speed is one of the main reasons investors choose a direct hard money lender over a bank or broker.

Get Hard Money Loan Terms & Structure

Ready to work with a direct hard money lender?

Send us your property type, loan amount, and goal. GPS Capital will review your deal for hard money purchase, bridge financing, cash-out, or bailout execution.

Deals@gpscapllc.com GPS Capital | 718-247-8863

Hard money and bridge loans for fast-moving real estate investors. Up to $20M. Close in one week.