Grand River USA
Loan Types
Eligible Properties
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$100K to $500MM
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Living Facility, Auto Dealership, Automotive Service, Bed & Breakfast, Car Wash, Child Care, Churches, Co-op, Convenience Store, Golf Course, Historic Rehab, Hospitality (Hotel & Motel),Industrial (Light & Heavy), Marina, Medical (Hospital & Clinic), Mixed Usage, Mobile Home Park, Nursing Home, Office (Multi-
Tenant), Office (Single Tenant & Credit Tenant),Office Condo, Owner-Occupied, Parking Garage, Rehabilitation Facility, Residential Lot Development, Resort, Restaurant/Bar, Retail (Anchored & Unanchored), RV Parks, Get the broker that is located in Michigan and understands the Michigan market.
Self Storage, Special Purpose Buildings & Properties, and Warehouse Facilities. Commercial and small business loan types available include: Acquisition & Development Loans,
Bridge Loans, Condo Conversion Loans, Construction Loans, Construction Completion Loans, Construction Take-Out Loans, Commercial Equipment Leases, Equity/2nd Mortgages Lien Loans, Forward Commitment Loans, Commercial Hard Money Mortgage Loans, International Business Loans, Commercial Joint
Venture Loans, Commercial Land Acquisition Loans, Commercial Lines of Credit Loans, Mezzanine Loans, Non-Recourse Loans, Permanent/End Loans (Acquisition & Refinance), Commercial Renovation Loans, Business Reposition Loans, Commercial Rehabilitation Loans, Commercial Sale Leaseback, Small
Commercial Real Estate Loans, Small Equipment Truck Lease Funding,
Commercial Structured Finance Loans, Time Share - Franctional Ownership Loans. Call the commercial and small business loan specialists at Grand River USA for all your commercial and small business loan product needs. With headquarters in metro Detroit, Michigan, Grand River USA LLC Commercial and
Small Business Loans broker is committed to meeting commercial lending needs in Michigan and nationwide. Grand River USA Michigan is a licensed commercial mortgage broker and real estate broker.

Grand River USA Commercial Funding  provides customized Commercial Real Estate financing solutions for small business owners in Michigan. As a Commercial Real Estate Lender Broker with over 12 years experience we have the knowledge and capabilities to help you even if you have past bad personal or
business credit. We have Stated Income, Full Doc, and No Doc Loans available for all types of commercial real estate loans, including:

Apartment Loans - Financing for apartment buildings and multi-family properties with more than 5 units. We provide several highly competitive commercial real estate loan products for qualified properties.

Office Building Loans -  Large or small, PLG Capital has funded them all. Office building financing is available with competitive rates. Whether you need to refinance an existing office property or you need acquisition financing – we can help you structure the office loan that meets your needs.

Hospitality & Hotel Loans -  An important investment sector in the commercial loan market. Getting a hotel loan for a property is possible provided it meets some basic conditions, including that the property is well located and  has a profitable operating history, or structured turn around plan.

Retail Property Loans - Flexible lending programs for retail business owners and investors. Eligible properties include either anchored or unanchored single-story retail centers, as well as net leased single tenant properties with certain occupancy and sales requirements.

Other Loan Programs -  Includes industrial & warehouse, self storage loans, construction loans, mezzanine financing, Small – Large Balance Commercial Loans, and more…….

We work with lenders that Lend their own money and make their own lending decisions . We do work closely with other experts, loan advisors, and bankers to give you the client a taylor-made product that fits your current and future financial picture.

As a Commercial Money Broker, Structured Financing is a sector in which we specialize in. It is to help provide increased liquidity or funding to transfer risk. Liquidity and risk transfer is typically achieved in structured finance through securitization of various financial assets (e.g. mortgages, credit card
receivables, auto loans, etc.) which has helped to open up new sources of financing for your projects. Common examples of instruments created through securitization are Bank Guarantees (BG’s), Collateralized Debt Obligations (CDOs), and Asset-Backed Securities (ABS). The legal structure of these
instruments may be quite simple or very complex and vary in their uses. These Instruments, depending on your deal size and structure are added to your pledged collateral to increase either the LTV or decrease the overall risk to an investor.

The commercial market uses structured finance extensively and so do we. Traditionally it is meant to provide liquidity to lenders and funding to borrowers. It is also meant to assist borrowers looking for commercial loans, who have had some bad personal, or business credit in the past, but that can
demonstrate through a properly prepared Executive Summary that they have the wherewithal to succeed in the new venture.

If you have a project that does not meet the standard of the industry and you believe that structured financing is for you please contact us by filling out our contact form and one of our Advisors will reach out with some solutions designed especially for you.

Working with one of our expert loan advisors, you will gain the PLG Capital Advantage – maximizing your terms and minimizing your risk.

To speak to an Investment Advisor, a Small Business Loan Advisor, or a Project Manager, and to learn more about our products and services please complete the Loan request form below and a representative will contact you to discuss your options.
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Bridge Loan:
A bridge loan is defined as a short-term real estate loan that gives the property owner time to complete some task - such as improving the property, finding a new tenant
and/or selling the property.

The typical commercial property bridge loan has a term of six months to one year, although many commercial bridge loan lenders will grant the owner the option to
extend for six months to one year for a fee of between a half-point point to two points.

Bridge loans are more expensive than permanent loans. In a market where a commercial property borrower might be able to obtain a 6% permanent loan, he might have
to pay LIBOR plus 3% to 4% (8.25% to 9.25%), plus a point or two, for a bridge loan from a commercial real estate opportunity fund.

Commercial property bridge loans are typically paid off when the owner places permanent financing on the property, after the improvements are completed and the new
tenant(s) move into the property. Because of their short term nature, most bridge loans have no prepayment penalty.

Example: Suppose Bob inherits an older, rundown office building from his father. Because the property has been allowed to deteriorate by his ailing father, the property is
half-vacant and commands very low rents. If Bob tried to refinance the building today, he might only qualify for a $400,000 new loan based on today's cash flow. Bob
might therefore apply for a $700,000 new bridge loan to pay off the existing $250,000 first mortgage and to pay for $450,000 in improvements. After Bob has replaced the
roof, repainted the building, retextured the walls, upgraded the electrical and HVAC systems, and recarpeted the property, he might be able to fill the entire building with
new tenants paying twice as much in rent. When the new tenants move in, Bob might be able to refinance his bridge loan for $1,300,000, put $500,000 in cash in his
pocket, and still have a $3,000 per month positive cash flow. This would be a great use for a bridge loan.

There are all kinds of bridge lenders. Many banks will make bridge loans if the borrower has excellent credit and a large financial statement. Some renovation and
releasing projects are a bit more speculative and need to be made by opportunity funds specializing in bridge loans.

An opportunity fund is defined as a special fund set up to make high-yield commercial real estate loans requiring special expertise and understanding. Opportunity deals
are what we in the industry call "brainer deals", as opposed to "no-brainer deals", which as are deals so simple and straight-forward that even a child could understand
them. The kinds of investors who invest in commercial real estate loan opportunity funds are pension plans, endowment trusts, wealthy private trusts and some REIT's.
If the borrower has less-than-average credit, a modest financial statement, and/or little commercial real estate experience, he may have to go to a hard money bridge
lender. Hard money bridge lenders are lenders who loan primarily on the equity in the property.
Grand River USA LLC
19540 Gerald Ave
Northville MI 48167