Gelt Financial is a direct portfolio lender specializing in creative private lending for investment real estate — fix-and-flip bridge loans and short-term bridge financing with no appraisal, no income verification, and credit problems understood since 1989.
No income verification required. Gelt Financial is a collateral-based lender — qualification is based on property value and deal structure, not borrower income. Tax returns, W-2s, and pay stubs are not required. Bank statements and financial statements may be requested for more complex transactions.
Borrower entity
Individuals, LLCs, LPs, Trusts, Corporations, Non-Profits, and Self-Directed IRAs all accepted. Unlike most hard money lenders, Gelt Financial will lend to individuals — not just business entities. Personal guaranty sometimes required; non-recourse structures available. Foreign nationals accepted.
Experience required
Experience required for rehab/value-add loans , though minimum number of prior projects is flexible (reviewed case-by-case). No experience required for straight bridge or acquisition loans. No look-back on previous foreclosures or bankruptcies — prior credit events do not automatically disqualify.
Explicitly excluded: AK, AZ, CA, HI, ID, MN, ND, NV
Sources
This record was compiled from the public pages below. Figures reflect what each source published when it was retrieved and are not a quote — confirm current terms with the lender.
