Finance Your Land Acquisition

Land Acquisition Financing

Acquiring land is often the first step in a development project, but traditional lenders are hesitant to finance land purchases. Our land purchase program provides the capital you need to secure parcels for future development.

Types of Land We Finance

Raw Land

Unimproved land without utilities or entitlements. Higher risk means lower leverage, but we can help you acquire strategically located parcels.

Entitled Land

Land with approved zoning, permits, or development rights. The entitlement process adds value and reduces risk, allowing for higher leverage.

Infill Lots

Individual lots in established neighborhoods, often with utilities available. These "shovel-ready" parcels qualify for our best terms.

Exit Strategy Matters

Land loans are interim financing—you need a clear plan for what happens next:

1. Development: Roll into construction financing when you're ready to build
2. Sale: Sell the entitled land to another developer at a profit
3. Refinance: If the land appreciates, refinance to better terms
4. Hold: In some cases, land banking makes sense for future appreciation

What We Look For

• Location: Is this land in a growth area with development demand?
• Feasibility: Does your intended use make economic sense?
• Exit: Is your plan realistic and achievable within the loan term?
• Experience: Have you successfully completed similar projects?

The Entitlement Process

For raw land, much of the value creation happens during entitlement:

1. Zoning approval for intended use
2. Site plan and subdivision approval
3. Utility commitments
4. Building permits

Each step adds value and makes the land more financeable for the construction phase.