Skip to content

Loan programs

Purchase Loans

Short-term bridge acquisition loans with up to 75% LTV and rates starting as low as 8.99%.

Start your purchase loan Get a free quote

Program highlights

  • Loan amounts up to $3,000,000
  • Up to 75% LTV (lower of price or appraisal)
  • Rates from 8.99% (asset/experience dependent)
  • 12–24 month terms, interest-only
  • Closings typically in 7–14 business days
  • No income verification — asset-based

Fast funding for time-sensitive acquisitions

Fast, short-term funding for investment property acquisitions — designed for investors and entities who need quick closings and flexible, asset-based financing for 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. They 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 held under LLCs or corporations, with fast approvals, flexible structures, and closings in as little as 7–14 days. Whether it's an acquisition, portfolio expansion, or a short-term bridge need, our programs are built for speed, reliability and simplicity.

Eligible property types

  • Single-family residences (SFRs)
  • 2–4 unit properties
  • Small multifamily (up to 8 units)
  • Mixed-use
  • Condos / townhomes
  • Portfolio acquisitions

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

Got questions?

Frequently asked questions

Still unsure? Call us at (347) 491-0603 — we answer quickly and straight.

What is a hard money purchase loan, and how is it different from conventional financing?

A purchase loan (also called a hard money or bridge loan) is short-term, asset-based financing for acquiring investment or business-purpose properties. Instead of relying mainly on income, credit and employment history, it is underwritten to the value of the property and the investor’s experience — which is why we can close in as little as 7–14 days.

What terms and rates should I expect?

Loan amounts up to $3,000,000, up to 75% LTV (of purchase price or appraised value, whichever is lower), rates starting as low as 8.99% depending on asset and experience, 12–24 month interest-only terms, and 2–4 origination points.

Which properties and borrowers are eligible?

Entity borrowers (LLC, Corp, LP or Trust) acquiring investment or business-purpose properties: single-family rentals, 2–4 unit properties, small multifamily up to 8 units, mixed-use, condos and townhomes, and portfolio acquisitions. Owner-occupied properties are not eligible.

What are the main advantages and risks?

The advantages are speed (days instead of weeks), fewer qualifying hurdles, and the ability to act on time-sensitive opportunities. The trade-off is a higher rate and shorter term than conventional loans, so you should have a clear exit — a sale or a refinance into long-term financing.

Ready to fund your next deal?

Send us your scenario and get clear options — usually within one business day.

Start your application (347) 491-0603