Purchase Loans

short-term bridge acquisition loans with up to 75% LTV and interest starting as low as 8.99%

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Purchase Loans

Fast, short-term funding for investment property acquisitions. Designed for investors and entities seeking
quick closings and flexible, asset-based financing solutions tailored to time-sensitive opportunities.

Understanding Hard Money Purchase Loans

Hard money purchase loans — also known as bridge loans — are short-term financing solutions used by real estate investors to acquire properties quickly without the delays of traditional bank underwriting. These loans are secured primarily by the property’s value and the investor’s experience rather than income or credit. Grand Financial specializes in purchase financing for investment and business-purpose properties under LLCs or corporations, providing fast approvals, flexible structures, and closings in as little as 7–14 days. Whether used for acquisitions, portfolio expansion, or short-term bridge needs, our programs are designed for speed, reliability, and simplicity.

Key Program Highlights:

• Loan amounts up to $3,000,000

• Up to 75% LTV (purchase price or appraised value, whichever is lower)

• Rates starting as low as 8.99% (asset/experience dependent)

• 12–24 month terms, interest-only payments

• Entity borrowers only (LLC / Corp / LP / Trust)

• Quick closings — typically 7–14 business days

• 2–4 points origination (based on loan size and risk profile)

• No income verification — asset-based underwriting

Frequently asked questions

What is a purchase or hard-money purchase loan, and how does it differ from conventional financing?

A purchase loan (also called a hard money or bridge loan) is a short-term, asset-based financing solution used primarily for acquiring investment or business-purpose properties. Unlike traditional bank loans where the borrower’s income, credit score and employment history are primary factors, these loans rely largely on the collateral value of the property plus the investor’s experience. 

In your program, for example, you quickly approve entity borrowers (LLC/Corp/Trust) and close in as little as 7-14 days, because underwriting focuses on purchase price or value, not full income/credit underwriting.

Typical hard money purchase-loan terms include:

  • Loan amounts up to a stated maximum (your program allows up to $3,000,000)

  • Loan-to-Value (LTV) ratio up to a certain cap (you offer up to ~75% of purchase price or appraised value)

  • Interest rates generally higher than conventional loans (your starting rate ~8.99%, asset/experience dependent)

  • Shorter terms (you offer 12-24 months, interest-only payments)

  • Entity borrowers required (LLC/Corp/LP/Trust)

  • Origination points typically 2-4 points (you state 2-4 points)

    Hard-money FAQs in the field repeatedly note LTVs in the ~65-75% range, rates in the ~8-18% zone, and terms in the 6-24-month range.

With your program: eligible borrowers are entities such as LLCs, Corps, LPs, Trusts; you focus on investment/business-purpose acquisitions for purchase, portfolio expansion or short-term bridge needs.

In general, hard money lenders approve based on property type (investment, non-owner occupied, multifamily, mixed-use) rather than owner-occupant properties. 

Typical eligible properties might include single-family rental houses (SFRs), 2-4 unit properties, small multifamily (up to 8 units), mixed-use, condos/townhomes, or portfolios (which align well with your borrower target).

Your underwriting emphasises speed, less documentation (no income verification), quick closings (7-14 days) and asset-based underwriting.

  • Very fast closing compared to conventional loans — often days instead of many weeks. 

  • Fewer borrower‐qualifying hurdles (less emphasis on credit/income) so investors can act on time-sensitive opportunities. 

  • Good for acquisitions where speed matters, or when traditional financing is not feasible.

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