Welcome to GYA Capital, Your #1 Source for Real Estate Private Money Solutions
Welcome to GYA Capital, where we redefine what it means to be a private money lender and private money broker. We take pride in being your committed partner on the journey to building sustainable, long‑term wealth through real estate investing.
Our founders, Sharon J. Baca and Debbie K. Womack, have built a respected reputation anchored in a core belief: your success is our success. At GYA Capital, every decision is driven by a mission to empower investors. We bridge the gap between your real estate vision and measurable results through creative, efficient, and relationship‑based funding strategies.
Why Choose GYA Capital
Proven Expertise
Our experienced team brings deep industry insight to guide your investment decisions with clarity, confidence, and precision.
Tailored Solutions
Every investor’s journey is unique. That’s why we create flexible, customized funding strategies aligned with your goals, experience, and timeline.
Comprehensive Services
We provide a full suite of real estate funding solutions including:
- Private Money Lending
- Joint Venture Funding
- Commercial Loans
- Ground‑Up Construction Loans
- Bridge Loans
- Jumbo Loans
- Rental Loans
- Fix & Flip Loans
- Proof of Funds
- Collateral DNA Reports
- Debt Stack Reports
- Exclusive Off‑Market Leads Nationwide
These tools give our clients a competitive advantage in every market they enter.
Integrity and Trust
Transparency and ethical business practices are the foundation of GYA Capital. Our clients rely on us because we communicate openly, act with honesty, and consistently deliver on our promises.
Results‑driven
Our track record of successful partnerships and profitable deals stands as proof of our commitment to driving measurable results for our clients.
Our Funding Model
At GYA Capital, we combine direct lending capabilities with the flexibility of private money brokerage. This provides investors access to private capital as well as a nationwide network of alternative lenders—ensuring competitive rates, fast approvals, and creative loan structures tailored to each deal.
Through our Joint Venture Program, we offer:
100% funding for purchase, rehab, and closing costs up to 70% of ARV, with no minimum credit score and no experience requirements.
Whether you’re new to investing or scaling an existing business, GYA Capital is ready to partner with you for lasting success.
Once you secure a property under contract, connect with our team to begin the lending process.
You bring the deal; we bring the money.
Our Team
With years of combined experience in private money lending, our network of trusted professionals has successfully closed complex transactions across multiple markets. Whether your next project is a fix and flip, rental acquisition or refinance, our mission is to deliver funding solutions aligned with your unique goals.
Every transaction at GYA Capital is handled with professionalism, urgency and care. We are committed to helping you close smoothly and build long‑term wealth through real estate.

Sharon J. Baca
Managing Partner
Sharon J. Baca is an accomplished entrepreneur, writer, and financial professional with a proven record of launching successful ventures and guiding clients through complex financial decisions. As managing partner in GYA Capital, LLC., GYA TX Tax Advocates, LLC., and GYA Realty. with a strong foundation in consultative sales, she is known for her ability to listen, assess challenges, and help individuals and organizations move forward with clarity and confidence.
Sharon’s career spans financial planning, wealth transfer strategy and retirement plan design for both qualified and non-qualified plans. She has served as a fee-based financial planner and advisor, providing clients with comprehensive guidance in retirement, estate planning and long-term financial security. Earlier in her career, she was a founding principal of DBG&H Unlimited, Inc., a marketing, public relations, and advertising firm, where she partnered with creative and account service teams to develop branding and messaging strategies for companies across the Southwest.
A committed community leader, Sharon played an instrumental role in establishing the Dallas Women’s Foundation and has served on the boards of the Women Accounting and Finance Alliance, the Community Council of Greater Dallas and multiple nonprofit advisory boards, including the Dallas Foundation and the Kilby Foundation.
Sharon’s academic background reflects a broad and inclusive educational path. She earned her MSFS from the Institute of Business and Finance, an MBA from Southern Methodist University and a BA from the University of Dallas with an additional academic experience at Mary Hardin Baylor University.

Debbie K. Womack
Managing Partner
Debbie K. Womack is a senior executive, entrepreneur, and strategic advisor with more than 25 years of leadership experience across professional services, technology, aerospace, manufacturing, utilities, logistics, and healthcare. As CEO/Owner of Greater Yield LLC., and Horizon Commerce, Inc. and managing partner in GYA Capital, LLC., GYA TX Tax Advocates, LLC., and GYA Realty. She is recognized for her ability to transform complex business environments, drive operational excellence, and position organizations for sustainable growth. Debbie brings deep expertise in business process improvement, governance, security strategy, program and project leadership, strategic sourcing, and enterprise transformation.
Throughout her career, Debbie has guided organizations through high-stakes challenges—including bankruptcy turnarounds, mergers and acquisitions, large-scale systems implementations, enterprise architecture redesigns, and technology modernization initiatives. She has served in executive roles such as COO, CTO, CIO, Exec. Program Manager, and Senior Exec. Vice President, consistently delivering measurable improvements in revenue, efficiency, compliance, and organizational capability. Her work involved working with companies ranging from $12B global corporations to national manufacturers and logistics firms. Debbie’s consulting leadership spans both corporate and nonprofit sectors. She has served as a trusted advisor to C-suite leaders, private equity stakeholders, and boards of directors, providing insight into mission-critical strategic planning, organizational assessment, and technology decisions. Her nonprofit contributions include pro bono strategic consulting for arts, youth, and social-service organizations, along with service on numerous boards and advisory councils.
A U.S. Air Force veteran with Top Secret/SBI/SCI clearance, Debbie served in both the Pacific and European theaters with intelligence communications units. She has received national recognition, including the Stevie Award for International Female Entrepreneur of the Year, and maintains active engagement in leadership, technology, and professional organizations.
