Who we are
Premium Cash Buyers is the trade name for Grand Capital, LLC, a real estate investment company that purchases residential properties directly from owners for cash. We are not a licensed real estate brokerage and we do not list or market properties on your behalf. When you engage us, you are selling your home to a direct buyer, not hiring an agent. Our business is acquiring homes for our own portfolio, or on occasion for affiliated investment entities.
Proof of funds
We purchase properties using a combination of company capital and private lending. Proof of funds documentation from our capital partner or bank is available on request before you sign a purchase agreement. If you would like to see proof of funds, email info@premiumcashbuyers.com and we will send it within one business day.
Earnest money deposit
Once you accept our written offer, we deposit earnest money with the title company or closing attorney handling your transaction. Our standard earnest money deposit is $2,500, though the amount can be adjusted by mutual agreement based on price and timeline. The earnest money is applied toward your sale proceeds at closing. If we fail to close on the agreed date for any reason not caused by you or a title defect, the earnest money is released to you.
Assignment of contract
Our purchase agreements allow us to assign the contract to an affiliated investment entity prior to closing. This is standard practice in direct cash purchases and does not change your sale price, timeline, or closing terms. The entity that appears on your final settlement statement may be a subsidiary or co-investor of Grand Capital, LLC rather than Premium Cash Buyers itself. In all cases the contract terms you signed remain in force and we remain accountable for the transaction.
Assignment fee transparency
When we assign a contract to an affiliated investor, we may receive an assignment fee from that investor. This fee is paid by the assignee, not by you, and it does not reduce the sale price you accepted in your purchase agreement. We disclose the existence and (where applicable) the amount of any assignment fee in writing in your purchase agreement before you sign. You retain the right to ask for the assignment-fee disclosure in advance of signing. Indiana, Wisconsin, and several other states specifically require this disclosure for assignment transactions; we follow the same disclosure standard in every state we operate in regardless of state-level requirements.
You are not represented by us — no agency relationship
Premium Cash Buyers (Grand Capital, LLC) is the buyer in this transaction. We have no agency, fiduciary, or representation relationship with you as the seller. Specifically: we do not owe you the duties a licensed real estate agent owes a client (such as the duties of loyalty, full disclosure of material facts, or obtaining the highest price). Our offer reflects what we are willing to pay as a principal buyer given the property condition, comparable sales, our holding and renovation costs, and our target return — it is not an estimate of the highest price your home could sell for in a traditional listing. If you want representation in the transaction, you have the right to hire your own licensed real estate agent or attorney. You may also list your home on the open market either before or instead of accepting our offer.
Right to independent legal counsel
We strongly encourage every seller to have our purchase agreement reviewed by an independent attorney before signing. Selling your home is a major financial transaction, and an attorney representing your interests can identify any provision you should negotiate or clarify before signing. We are happy to: (a) send the proposed purchase agreement to you in advance of any meeting so your attorney can review it on your timeline, (b) coordinate directly with your attorney during the process, and (c) extend the review period to give your attorney adequate time. Your state bar association maintains lawyer-referral services if you do not currently have a real estate attorney; in some counties, legal aid organizations provide free or reduced-cost real estate review for income-qualifying sellers.
State-by-state contract variation
Real estate purchase contracts and assignment rules vary by state. Premium Cash Buyers operates under state-specific templates that address the legal requirements of the state where the property is located:
- Indiana: Indiana Code 24-5-23.5 governs assignment and wholesaling disclosures; our Indiana contracts disclose assignment rights and any assignment fee in writing.
- Ohio: Ohio Revised Code Chapter 4735 limits unlicensed real estate activity; our purchases are made as principal under the principal-buyer exemption with explicit contract disclosure.
- Wisconsin: Wisconsin Statutes Chapter 452 imposes stricter unlicensed-activity thresholds; our Wisconsin contracts include an explicit statement of buyer status, assignment rights, and any fee.
- Tennessee: Tennessee Code 62-13 covers real estate broker licensing; our Tennessee contracts disclose principal-buyer status and assignment rights.
- Georgia: Georgia O.C.G.A. 43-40 governs real estate licensing; our Georgia contracts disclose principal-buyer status, assignment rights, and any fee.
If you want a copy of the specific state contract template applicable to your property, email info@premiumcashbuyers.com before signing and we will send it to you and (if you ask) your attorney within one business day.
What happens if the assignee fails to close
If we assign your contract and the assignee then fails to close on the agreed date, the consequences depend on the cause of the failure:
- Title defect or condition we cannot resolve: The contract terminates and the earnest money is returned to the assignee. Your obligations end and you may re-list the property.
- Assignee non-performance (no title defect): The earnest money is released to you as the seller per the purchase-agreement default provisions. You may also have a claim against Grand Capital, LLC as the original counterparty — we do not use assignment to escape contract obligations to you. We have closed every accepted offer in our history; on the rare occasions an assignment has fallen through, Grand Capital, LLC has stepped in to close directly.
- Mutual cancellation: If you and the assignee agree to cancel for any reason, the earnest-money disposition follows whatever you mutually agree in writing.
Condition of property — as-is purchase
We buy properties strictly as-is. We do not require repairs, cleaning, or staging before closing. You are not obligated to disclose cosmetic defects, though you must disclose any material latent defects or environmental hazards known to you, as required by your state's seller disclosure statute.
No fees, commissions, or closing costs
Sellers who close with Premium Cash Buyers pay no real estate commission, no listing fee, and no closing costs. The amount we quote in your offer letter is the amount you receive at closing, subject only to normal deductions for outstanding property taxes, mortgage payoffs, and liens that must be satisfied to deliver clear title.
State-specific seller protections
Your state's real estate commission or attorney general's office provides consumer protections and complaint resolution resources if you believe a transaction has been handled improperly:
- Indiana: Indiana Real Estate Commission
- Ohio: Ohio Division of Real Estate & Professional Licensing
- Wisconsin: Wisconsin Department of Safety and Professional Services
- Tennessee: Tennessee Real Estate Commission
- Georgia: Georgia Real Estate Commission
Closing-rate claim methodology
Several pages on our site reference the statement that more than 98% of accepted Premium Cash Buyers offers between January 2023 and December 2025 closed at the originally agreed price. The full data publication, including the per-state breakdown and industry comparison, is in the 2026 Cash Sale Closing-Rate Report. The methodology behind the claim is documented below:
- Numerator: Accepted offers that closed at the originally quoted price within Premium Cash Buyers internal closing records for the calendar period 2023-01-01 through 2025-12-31 across the five states we serve (Indiana, Ohio, Wisconsin, Tennessee, Georgia).
- Denominator: All offers that homeowners accepted in writing during the same period and the same geographic scope.
- Excluded from the denominator: Offers presented but never accepted; offers withdrawn by us before acceptance (e.g., due to undisclosed material defects discovered during walkthrough); deals where the seller terminated under their contractual right.
- What “closed at the originally agreed price” means: The final settlement statement reflects the price stated in the executed purchase agreement. Routine closing-table adjustments (prorated property taxes, payoff balances, recording fees) do not affect this measurement.
- Source: Premium Cash Buyers (Grand Capital, LLC) internal closing records and HUD-1 / ALTA settlement statements. We are happy to walk through the underlying methodology with any seller; email info@premiumcashbuyers.com to schedule a call.
- Mechanism: The reason this rate is so high is structural — we have verified funds ready before we make an offer, and our purchase agreements never include a buyer-financing contingency. The most common reasons traditional deals fall through (lender denial, appraisal gap, buyer financing slip) do not apply to our cash transactions.
Complaint resolution and BBB
If you have a complaint about how we handled a transaction or the way our team treated you, we want to hear about it directly: call (901) 910-0101 or email info@premiumcashbuyers.com and ask for the operations manager. If you would prefer to file a complaint with an independent third party, two options:
- Better Business Bureau: Search for “Grand Capital LLC” at bbb.org to file a formal complaint or read existing complaint resolutions.
- State real estate regulatory body: See the state-specific links below for the regulator that oversees real estate transactions in your state.
Getting independent advice
Selling a home is a major financial decision. We encourage every seller to have the purchase agreement reviewed by an attorney or a trusted advisor before signing. We are happy to coordinate with your attorney, accountant, or family member at any point in the process. If you would like a copy of our standard purchase agreement to review in advance of an offer, call (901) 910-0101 and we will send it over.
Contact
Premium Cash Buyers
Grand Capital, LLC
6030 Daybreak Circle, Suite A150-117
Clarksville, MD 21029
(901) 910-0101 · info@premiumcashbuyers.com