Gelt Financial, LLC - logo

Gelt Financial, LLC

When Your Bank Says No, We Say Yes

Direct Lender, Time Sensitive and Storied Deals

Gelt Financial, LLC ("Gelt"​) is a non bank direct commercial lender satisfying its clients financial needs and goals since 1989.

Gelt's robust commercial product offerings are available across the country to US Citizens and Foreign Nationals. We focus on loans between $100,000 and up.

We also have a portfolio product which we offer to real estate investors and commercial property owners.

We offer preferred equity, Mezz, JV Equity and recapitalization's to existing commercial real estate partnerships.

Deal direct with decision makers, "When Your Bank Says No, We Say Yes"​.

Lending Guidelines

$25k - $3m
9% - 12%
Term Length
1 to 60 months
Closing Time
3 to 7 days

Loan & Property Types

Loan Types
  • Bridge
  • Cash-out
  • Fix and Flip
  • Investment Property
  • Partner Buyout
  • Purchase
  • Refinance
  • Property Types
  • Multi-Family
  • Single-Family
  • Retail
  • Office
  • Mobile Home Park
  • Hotel / Hostel / Motel
  • Condominium
  • Mixed Use
  • Day Care
  • Loan Parameters & Fees

    Credit check required

    Interest-only loans

    Lend to forgien nationals

    Owner-occupied property allowed

    Will lend on purchases from auctions

    Does property have to be under contract

    Will provide proof of funds letter

    Has pre-payment penalities

    Minimum FICO score

    2nd position loans

    Lends on land

    Lends to first time borrowers

    Lends on ground-up construction

  • Legal
  • Title
  • Deposit



  • Inspection
  • Underwriting
  • *

    = upfront,


    = 3rd party

    Areas Served

    Gelt Financial, LLC

    (561) 221-0900
    5300 W Atlantic Ave, Suite 205
    Delray beach,, Florida
    Year Established
    Number of Employees
    11 to 50
    License Numbers
    We Work With
    Borrowers, Brokers
    • Home
    • Resources
    • Contact

    EmpireFunders, 2093 Philadelphia Pike #7979, Claymont, Delaware, 19703