Land Acquisition
Structured financing for raw land purchases, entitled land, and pre-development acquisitions — designed for developers and investors with a clear development plan or hold strategy.
Overview
Land acquisition financing provides capital for purchasing undeveloped or partially developed land with a defined development plan or investment strategy. Unlike improved property financing, land loans carry unique risk characteristics — no existing cash flow, entitlement uncertainty, and longer development timelines. Our programs are designed for experienced developers and investors who can demonstrate a clear path from acquisition to development or disposition. We finance raw land, entitled land, infill parcels, and pre-development sites across residential, commercial, and mixed-use categories.
Ideal For
- Developers acquiring land for residential subdivision or commercial development
- Investors purchasing entitled land with approved plans and permits
- Infill developers acquiring parcels in established urban or suburban areas
- Land assemblers consolidating multiple parcels for larger development
- Builders acquiring finished lots or partially improved sites
- Investors acquiring land for near-term development with construction financing lined up
Typical Structures & Terms
Flexible structures engineered around your timeline, asset, and exit strategy.
Raw Land Acquisition
Financing for unimproved land with a development plan. Higher equity requirements and shorter terms, with clear milestones for entitlement and development.
Entitled Land Purchase
Capital for acquiring land with existing entitlements, approved plans, and permits. Lower risk profile allows for better leverage and terms.
Infill Land Financing
Financing for urban or suburban infill parcels where surrounding development supports the land value and development feasibility.
Land + Horizontal Development
Combined financing for land acquisition and horizontal improvements (grading, utilities, roads) to create finished lots for vertical construction.
Lot Inventory Financing
Capital for builders and developers to acquire and hold finished lot inventory, with releases as lots are sold or built upon.
Land Assembly
Structured financing for assembling multiple contiguous parcels into a larger development site. Includes phased acquisition and consolidation strategies.
Execution Process
A clear, structured path from inquiry to funding.
Submit Application
Provide land details, purchase price, development plan, entitlement status, and sponsor experience.
Feasibility Review
Our team evaluates the development plan, market conditions, entitlement timeline, and sponsor capability.
Underwriting
Land appraisal, environmental review, zoning analysis, and financial due diligence. Typically 2–4 weeks.
Closing & Funding
Final documentation, title insurance, closing, and funding. Phased draws available for horizontal development.
Exit Strategies
- Transition to construction financing for vertical development
- Sale of entitled land to another developer or builder
- Sale of finished lots to homebuilders
- Joint venture with development partner
- Refinance into longer-term land hold financing
- Subdivision and phased lot sales
Compliance & Documentation
- Full KYC/AML verification for all sponsors and guarantors
- Land appraisal by certified appraiser with development expertise
- Phase I Environmental Site Assessment (Phase II if triggered)
- Zoning verification and entitlement status confirmation
- Survey and boundary confirmation
- Development plan and timeline documentation
- Proof of construction financing commitment (if applicable)
- Entity documentation and organizational structure
Ready to Apply?
Submit your application and our team will respond within 24–48 hours with next steps.
Start ApplicationSubmit Documents
Upload KYC, financial statements, and supporting materials securely.
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Schedule a confidential capital call to review your deal, timeline, and exit strategy.
Schedule a Capital CallRegulatory Disclaimer: Real estate financing information provided herein is for informational purposes only and does not constitute a commitment to lend, a loan approval, or a guarantee of financing. All loan applications are subject to credit approval, underwriting, and applicable federal and state lending laws including TILA, ECOA, RESPA, and the Dodd-Frank Act. Loan terms, rates, and availability are subject to change without notice. Real estate investments involve risk, including the possible loss of principal. Full legal disclosures →