Gelt Financial Review

Last Updated: August 2025

Our Summary

  • Less than 14 day closing period
  • Flexible loan terms
  • Human loan calculation

Gelt Financial is a Florida based private money lender that has provided over 10,000 loans with over $1b in total value since 1989. Gelt specializes in non-bank mortgages, including hard money fix and flip loans. The loan origination process can be completed in less than 14 days.

Gelt offers short-term and long-term loans for $100k to $10 million and up to 65% of ARV. The minimum FICO for a hard money loan is 620 and interest rates start at 11.00% and 3 points. Gelt investors benefit from loan terms that are calculated by real people, rather than AI or other technology programs.  

Loan Types Offered

Fix and Flip, Rental, Commercial, Cash-out

Property Types

Single Family, Multi Family, Commercial

Loan Details

Fix & Flip

  • Loan Amount: $100,000 - $10,000,000
  • Loan to Cost: 90%
  • Interest Rate: 11.00%+
  • Points: 3.0 +
  • Term: 24 months
  • Minimum FICO: 620

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