Loans · Land
Land loans
Financing to buy land, or to put land you already own to work.
At a glance
When a land loan fits
Best forBuying land you plan to build on, or unlocking owned land
What sizes the loanThe land's value and how close it is to being buildable
Stage mattersEntitled, platted land with utilities is easier to finance than raw land
Often the better pathUsing land you own as equity in a construction loan
ExitConstruction loan, sale of lots, or sale of the land
Closes inAn LLC or other entity, business purpose only
Worked example
Raw land versus build-ready land
| Example deal | Figure |
|---|---|
| Raw land | No plat, utilities or permits yet |
| Entitled land | Zoning and plat approved |
| Build-ready land | Utilities at the lot and permits in hand |
| Our view | The closer to build-ready, the more lenders will look at it |
Example onlyLand loans are usually the hardest to finance at high leverage. If you already own the land, it is often worth more to you as equity in a construction loan. These figures illustrate the math. They are not an offer, a rate quote or a promise of approval.
Your file
What to have ready
- Deed or purchase contract
- Survey and plat, if available
- Zoning and utility information
- Your plan for the land and timeline
- Entity documents and guarantor ID
How we place it
Options in 48 business hours
Once your file is complete, we send it to the lenders in our directory that fund this kind of deal. Their answers come back to you on one page, side by side, with our fee in writing.
Questions
What investors ask us
Can I get a loan on land I already own?
Often, yes. Many owners get more from their land by using it as equity in a construction loan. We can show you both paths.
What makes land easier to finance?
Approved zoning, a recorded plat, utilities at the lot and a clear plan to build or sell.
Related loans
Other ways to finance it
LoansGround-up construction loansMoney to build new homes, townhomes and spec projects, paid out as you build.LoansRV park loansFinancing for existing RV parks and campgrounds, and for owners planning to expand.LoansCommercial and mixed-use loansFinancing for retail, office, flex, industrial, self-storage and mixed-use property.
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