Hard money lender in Boca Raton and Palm Beach County
GPS Capital is a direct hard money and private lender for investment property across Palm Beach County - Boca Raton, West Palm Beach, Delray Beach, Boynton Beach, Jupiter and beyond. Luxury homes, waterfront condos, multifamily and rehabs - we underwrite every deal in-house, and a well-documented South Florida deal can close in as fast as one week.
Palm Beach County hard money and 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 terms. No minimum credit score. Closes as fast as one week - well-documented deals have funded in 3 to 5 business days.
Our loan range of $500K to $20M fits Palm Beach County price points, from a Delray Beach flip to a luxury Boca Raton acquisition.
Built for Palm Beach County deals
Palm Beach County deals often sit at price points where bank timelines kill the opportunity: estate sales, luxury properties needing renovation, condos in non-warrantable buildings, and sellers who want certainty this week. Asset-based underwriting means we lend on the property and the plan - not tax returns, not credit scores, not committee calendars.
FAQ
Boca Raton / Palm Beach FAQ
Who is a direct hard money lender in Boca Raton?
GPS Capital is a direct private lender financing Palm Beach County investment property, in business since 2003. We underwrite, fund and service every loan in-house, with a dedicated South Florida program at southflorida.gpscapllc.com.
What are hard money loan rates in Palm Beach County?
GPS Capital's rates run 9.99% to 12.99% with 1 to 2 points, on loans from $500K to $20M, up to 70% of after-repair value, typically 12-month terms.
Can I get a hard money loan on a luxury home in Boca Raton?
Yes. Luxury and waterfront investment homes are a core South Florida product, with loans up to $20M - sized for Palm Beach County price points.
How fast can a hard money loan close in Palm Beach County?
As fast as one week. Well-documented South Florida deals have funded in 3 to 5 business days, and term sheets usually go out the same business day.
Do you work with Palm Beach County 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.
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