Hard money lender in San Francisco, CA
GPS Capital is a direct hard money and private lender for investment real estate across San Francisco, Oakland and the Bay Area. High-value purchases, cash-out refinances, renovations and multifamily - we underwrite the property and the exit in-house, with a $20M ceiling built for Bay Area price points.
San Francisco 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.
The San Francisco market
Bay Area deals carry big numbers and short fuses: sellers want certainty, and bank timelines on older or tenant-occupied buildings can run for months. Asset-based underwriting at up to 70% of value gets you a one-week close without a credit minimum or income documentation in most cases.
FAQ
San Francisco FAQ
Who is a direct hard money lender in San Francisco?
GPS Capital is a direct private lender, financing investment property nationwide since 2003, including the San Francisco metro (San Francisco-Oakland-Fremont, CA). Every loan is underwritten, funded and serviced in-house - no broker, no outside committee.
What are hard money loan rates in San Francisco?
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 on 12-month terms. Every deal is priced on its own merits.
How fast can a hard money loan close in San Francisco?
As fast as one week. Well-documented deals have funded in 3 to 5 business days, and many close without a formal appraisal. Tell us your deadline up front and we will tell you honestly if we can hit it.
Do you lend on tenant-occupied Bay Area buildings?
We underwrite the property and the deal, so tenant-occupied investment property is everyday business for us. Send the address, the rent roll if you have it, and your plan.
Do you work with San Francisco-area 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