Land and Lot Loans From Private Lenders
Short-term financing for entitled lots, infill land and acreage with a clear development or resale plan.
Indicative 2026 terms
Compiled from published lender rate sheets and broker quotes. Not an offer; terms are set by each lender.
Land is the hardest asset class to finance because it produces no income and its value depends on what can be built. Banks rarely lend on it; private lenders will, at conservative leverage, when the path to an exit — permits, construction financing or a resale to a builder — is clear.
Raw vs. entitled land
Raw acreage with no utilities or zoning approvals typically caps at 35–50% LTV. Entitled, shovel-ready infill lots in strong metros can reach 60–65% and are often rolled directly into a construction loan. Lenders will want a survey, zoning letter, utility availability and, ideally, approved plans.
What to prepare
- Purchase contract and title commitment.
- Appraisal or broker opinion supported by lot sales, not just acreage comps.
- Entitlement status with timeline to permits.
- Development budget and a construction lender's term sheet or pre-approval.
- Sponsor liquidity; land loans frequently require interest to be prepaid.
Request land & lot loans terms
Vetted lenders that specialize in this program respond within 24 hours.