Hard money lender in New Jersey
GPS Capital is a direct hard money and private lender for New Jersey investment real estate, lending across the state from our Brooklyn headquarters since 2003. Multifamily in Newark, condos on the Jersey City waterfront, retail in Lakewood, land in Colts Neck - we underwrite, fund and service every loan in-house, with closings in as fast as one week.
New Jersey 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.
We finance purchases, cash-out refinances, fix-and-flips, rehab, new construction and foreclosure bailouts on single family, 2-4 family, multifamily, mixed-use, condo, commercial and land across all of New Jersey - North Jersey, Central Jersey, the Shore and South Jersey.
Funded in New Jersey
Recent New Jersey deals:
- Lakewood, NJ - $11,000,000 retail refinance, funded by GPS Capital with a co-lender.
- Colts Neck, NJ - $1,250,000 land purchase, closed in three days with no appraisal.
Timing depends on the property, title and paperwork - but the team that reviews your deal is the team that funds it.
New Jersey city pages
For local detail, see our dedicated pages for Newark, Jersey City and Lakewood. Everywhere else in NJ, send the deal directly - we lend statewide.
FAQ
New Jersey FAQ
Who is a direct hard money lender in New Jersey?
GPS Capital is a direct private lender headquartered in Brooklyn, lending statewide in New Jersey since 2003 - including an $11M retail refinance in Lakewood and a $1.25M land purchase in Colts Neck that closed in three days.
What are hard money loan rates in New Jersey?
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.
How fast can a hard money loan close in New Jersey?
As fast as one week. A well-documented Colts Neck land deal closed in three days with no appraisal. Title and paperwork drive the timeline.
Does GPS Capital lend on New Jersey land?
Yes. Land purchases in New Jersey are a proven product for us - our Colts Neck land deal closed in three days. Send the address, the price and your plan.
Do you lend in both North Jersey and South Jersey?
Yes. We lend statewide - Newark, Jersey City, Paterson, Elizabeth, Edison, Woodbridge, Lakewood, Toms River, Cherry Hill, Atlantic City and everywhere in between.
Do you work with New Jersey 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