Hard money lender in Philadelphia, PA
GPS Capital is a direct hard money and private lender for investment real estate across the Philadelphia metro. We review purchases, refinances, fix-and-flip projects, rehab and commercial properties that need short-term capital - with in-house underwriting, so there is no outside committee slowing your deal down. Send the property, the loan amount and your exit, and we will look at the structure the same day.
Philadelphia 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 lend across the city and the metro - Center City, South Philly, North Philly, West Philly, Fishtown, Kensington, Northeast Philadelphia, plus Montgomery, Bucks, Delaware and Chester counties and the South Jersey suburbs.
Proof in Philadelphia
GPS Capital closed a $3,500,000 bridge loan on an IOS storage property in Philadelphia - funding two days after receiving title. That is how we approach a deadline-driven deal: the review happens up front, so once title is clean, money moves. Individual results depend on the asset, the market and the exit.
How it works
- Send the deal - call 718-247-8863, email Deals@gpscapllc.com or use the form.
- Get real numbers fast - a response within 2 hours with rate, leverage and structure.
- Close in as fast as one week - well-documented deals have funded in 3 to 5 business days.
FAQ
Philadelphia FAQ
Who is a direct hard money lender in Philadelphia?
GPS Capital is a direct private lender financing Philadelphia-area investment property, in business since 2003. We underwrite, fund and service every loan in-house, including a recent $3.5M Philadelphia bridge loan that funded two days after title.
What are hard money loan rates in Philadelphia?
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 Philadelphia hard money loan close?
As fast as one week. Well-documented deals have funded in 3 to 5 business days - our Philadelphia bridge deal funded two days after title was received.
What property types do you finance in Philadelphia?
Single family and multifamily investment homes, mixed-use, commercial and industrial properties, plus land. Purchases, refinances, fix-and-flips, rehab and foreclosure bailouts.
Do you require income verification or a credit score?
No. There is no minimum credit score and no income verification in most cases. We underwrite the property and the exit plan.
Do you work with Philadelphia-area brokers?
Yes. Brokers are welcome and GPS Capital pays broker fees. Send the 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