Fix & Flip
Financing for residential and commercial flips, underwritten on after-repair value up to 70% ARV. No minimum credit score, close in as little as one week.
Hard Money Loans That Close in One Week
Direct private lender since 2003. Asset-based loans up to $20M for fix & flips, bridge deals, and investment properties — underwritten and funded in-house.
Loans from $500K to $20MUp to 70% of ARVNo minimum credit score
$20M
max loan amount
Loans from $500K
1 week
fastest close
3–5 business days for well-documented deals
70%
ARV maximum
Loan to value
2003
direct lending since
Every loan funded in-house
Loan programs
Financing built around the deal
Bridge Loans
Transitional financing to close your next deal before the last one sells or refinances. Short 12-month terms, asset-based approval.
New Construction
Ground-up construction financing for investment properties, evaluated on the project and the deal — not your credit history.
Foreclosure & Bankruptcy Bailout
Fast hard money when timelines are critical. Stop foreclosure or stabilize a distressed situation with asset-based underwriting and no credit barrier.
How it works
Three steps, one week
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1
Send the deal
Call 718-247-8863, email Deals@gpscapllc.com, or fill out the form — property address, loan amount, and your goal is all we need.
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2
Get real numbers fast
We review every deal promptly and follow up within 2 hours with rate, leverage, and structure.
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3
Close in as little as one week
In-house underwriting, no appraisal required in many cases — well-documented deals have funded in 3–5 business days.
Track record
Recently funded loans
Every one of these was underwritten, funded and serviced in-house by GPS Capital.
Philadelphia bridge, closed 2 days after title
$3,500,000
GPS Capital closed a bridge loan two days after receiving title on this IOS storage property.
Condo purchase closed smoothly
$2,500,000
GPS Capital closed this condo purchase in Manhattan, New York.
Land purchase, 3-day closing, no appraisal
$1,250,000
GPS Capital closed this land loan in three days with no appraisal required.
Retail refinance
$11,000,000
Funded by GPS Capital and a co-lender.
Commercial refinance
$1,700,000
GPS Capital refinanced a commercial property in New York.
Retail space refinance
$2,000,000
GPS Capital helped refinance a 209,154 square foot retail space.
Cash-out refinance
$425,000
Closed in a week for a borrower who wanted to move fast.
22 unit refinance
$1,950,000
Closed in a week on a 22-unit refinance.
Individual results depend on the asset, the market and the exit.
Why GPS Capital
A direct lender, not a middleman
We’re the lender, not a broker
We underwrite, fund, and service every loan in-house — faster decisions, lower costs, and one team from term sheet to closing.
No credit score. No income verification.
We underwrite the property and the deal. Bad credit, no credit, prior foreclosure or bankruptcy — you’re welcome to apply.
Any property, anywhere in the US
Single family, multifamily, commercial, industrial, ground-up construction — nationwide, from New York to California to Texas and Florida.
FAQ
Straight answers
How fast can you close?
As little as one week — well-documented deals have funded in 3–5 business days. Tell us your deadline up front and we’ll tell you honestly if we can hit it.
What do you need from me to start?
Property address, loan amount, and your goal. Typically we also need a purchase contract or property info and a personal guarantee — no tax returns, no income verification in most cases.
What credit score do I need?
None. No minimum credit score, ever. We underwrite the asset and the deal — borrowers with poor credit, no credit, or prior bankruptcies are welcome.
What are your rates and terms?
9.99%–12.99% per year based on the deal profile, 1–2 points origination, typically 12-month terms. Every deal is priced on its own merits.
Do you require an appraisal?
Not always. We use in-house valuation tools and can close without a formal appraisal in many cases, which speeds things up.
What states do you lend in?
Nationwide — New York, New Jersey, Florida, Texas, California, Pennsylvania, Connecticut, Massachusetts, Georgia, Maryland, Virginia, North Carolina, Illinois, Ohio, and more. Contact us to confirm your state.
Have a deal? Get a response within 2 hours.
No obligation. If we can’t fund it, we’ll tell you straight.
Or call us now: 718-247-8863 Deals@gpscapllc.com