Hard money lender in Tampa, FL
GPS Capital is a direct hard money and private lender for investment property across Tampa Bay. Buying or rehabbing an investment property in Tampa, St. Petersburg or Clearwater? We look at the property, the requested financing and the exit plan in-house - and a well-documented Florida deal can close in as fast as one week.
Tampa 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 Tampa market
Tampa Bay deals split into two shapes: buy-rehab-sell, and bridge-into-stabilization for rentals heading to permanent financing. We structure for both, and a qualifying rental or commercial property can later move into our DSCR program.
FAQ
Tampa FAQ
Who is a direct hard money lender in Tampa?
GPS Capital is a direct private lender, financing investment property nationwide since 2003, including the Tampa metro (Tampa-St. Petersburg-Clearwater, FL). Every loan is underwritten, funded and serviced in-house - no broker, no outside committee.
What are hard money loan rates in Tampa?
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 Tampa?
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.
Can a Tampa Bay bridge loan cover the gap before permanent financing?
Yes. That is the classic bridge use - close the acquisition or finish the rehab now, then refinance into permanent debt when the property is stabilized. We structure the term around that takeout.
Do you work with Tampa-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