Where GPS Capital lends
GPS Capital is a Brooklyn-based direct private lender financing investment real estate since 2003. We underwrite, fund and service every loan in-house: hard money and bridge loans for purchases, refinances, fix-and-flip projects, rehab and new construction, from $500K to $20M. We are most active across the New York metro, New Jersey, Philadelphia and South Florida, and we lend nationwide.
Find your market
Every market below has its own page with local terms, funded examples and answers to the questions investors actually ask. If your city is not listed, send the deal anyway - we lend nationwide.
New York metro
- Brooklyn - our home market and headquarters. Hard money, bridge and rehab loans across every Brooklyn neighborhood.
- New York City - all five boroughs, from Manhattan condo purchases to Bronx multifamily rehabs.
- Queens - 2-4 family homes, multifamily and mixed-use from Astoria to Jamaica.
- Manhattan - high-value condo, multifamily and commercial deals.
- The Bronx - value-add multifamily and fix-and-flip financing.
- Staten Island - single family and small multifamily investment loans.
- Long Island - Nassau and Suffolk purchases, rehabs and cash-out refinances.
New Jersey
- New Jersey - statewide hard money and bridge loans.
- Newark - multifamily, mixed-use and commercial.
- Jersey City - condos, waterfront and gold coast investment property.
- Lakewood - one of the fastest-growing investment markets in NJ.
Pennsylvania
- Philadelphia - purchases, refinances, bridge deals and rehabs across the Philly metro.
South Florida
- Miami - Miami-Dade hard money, including non-warrantable condos.
- Fort Lauderdale / Broward - waterfront homes, condos and rehabs.
- Boca Raton / Palm Beach - luxury and waterfront investment property.
- Regional coverage: our dedicated South Florida site at southflorida.gpscapllc.com.
Top metros nationwide (the 20 largest US metro areas - New York, Miami and Philadelphia are above)
One lender, one team, one week
There is no outside committee and no passing your file from lender to lender. The same team reviews your deal, issues the term sheet, funds the loan and services it.
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 terms. No minimum credit score. Closes as fast as one week - well-documented deals have funded in 3 to 5 business days.
For brokers
Brokers are welcome on every deal, in every market. GPS Capital is the direct lender and pays broker fees. Send the property address, loan amount and the borrower's goal and we review it the same day. See our broker page at /brokers/.
FAQ
Frequently asked questions
Does GPS Capital lend outside New York?
Yes. GPS Capital is headquartered in Brooklyn and lends nationwide, with dedicated coverage across the New York metro, New Jersey, Philadelphia and South Florida. We review investment property deals in every state.
What loan amounts does GPS Capital offer?
Hard money and bridge loans from $500K to $20M, up to 70% of after-repair value. Rates run 9.99% to 12.99% with 1 to 2 points, typically on 12-month terms.
How fast can GPS Capital close?
As fast as one week. Well-documented deals with clean title have funded in 3 to 5 business days. Tell us your deadline up front and we will tell you honestly if we can hit it.
Is GPS Capital a direct lender or a broker?
GPS Capital is a direct private lender, in business since 2003. We underwrite, fund and service every loan in-house, and we welcome brokers - we pay broker fees.
What does GPS Capital need to review my deal?
The property address, the loan amount you need and your goal. A purchase contract or property details and a personal guarantee typically come next. No tax returns and no income verification in most cases.
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