Since 2006, ZINC Financial has funded billions in private money loans through its own fund. As a true direct lender, we offer fix-and-flip, rehab-and-rent, bridge, and construction loans with up to 92.50% LTC. We handle all decisions in-house, welcome investors with 660+ FICO, and require no prepayment penalty on rehab and bridge loans.

Gelt Financial, a South Florida direct portfolio lender since 1989, provides non-bank loans for real estate investors. With 10,000+ closed loans, we offer direct access to decision-makers for fast approvals without committees. As private lenders, we welcome complex deals and tackle any financing challenge.