Land Loan
Private Capital Investors is a direct lender for land loans from $1M to $50M. We finance raw, vacant, rural, farm and ranch land, plus refinances and land-to-construction, with up to 70% LTV and funding in as few as 14 days.
940+
Loans Funded
854+
Clients
$4.5B+
Loans Amount
Overview
Land Loan Terms
A land loan can cover anything from farmland to large undeveloped tracts.
Buy the land first and get it ready for construction or resale
You don’t have to wait until a construction loan is in place
For investors looking to purchase land for personal use or a variety of development projects, a land loan is an essential tool.
Land loans with 100% financing are a good choice for people looking for complete finance because they do not require a down payment.
For eligible buyers with strong financial positions, this kind of financing can be especially helpful as it allows them to utilize their capital in other ways strategically.
Amortization: 30 years amortization with no prepayment penalties
Loan Amount: $1 Millions to $50 Million
Min Credit Score: 680
Interest Rate: As low as 5.99%
Closing: from 14 to 21 days
Maximum LTV: Upto 70% Loan to Value
Adjustable and Fexible rates are available
Nationwide Lending
What we finance
What kinds of land loans do we offer?
Choose the loan closest to your deal. Each one links to its own page.
Vacant and raw land
Raw, unimproved and entitled land for investors and developers.
Farm and agricultural land
Farmland, orchards, poultry farms and other agricultural real estate.
Ranch land
Working and recreational ranches, including cattle operations.
Compare lenders
Private Capital Investor or a bank for a land loan?
Banks often limit land lending. Here is when a direct private lender fits better.
When Choose us
The land is raw, unentitled or has no income to underwrite.
The purchase has a short closing window.
The loan is larger than a local bank will hold on land.
A maturing loan needs to be refinanced.
Look at a bank, Farm Credit or FSA when
You are a beginning farmer who may qualify for USDA programs.
The loan is below our minimum.
You have a long timeline and an existing bank relationship.
The seller will carry the note on acceptable terms.
Underwriting
How we underwrite a land loan?
Land has no building to lean on, so the land and the plan for it matter most.
Land value and use
An appraisal of the land as it is today, and how it is used or planned to be used.
Zoning and access
What can legally be done with the land, and whether it has legal access and utilities.
Borrower
Entity structure, ownership and a credit score of 680 or higher.
Exit strategy
How the loan is repaid: sale, development, construction takeout or refinance.
Our Recent Closings
Agricultural Land Refinance
Calhoun, TN | $1,000,000
Refinance 110 Acre Agricultural Land
New Cuyama, CA | $1,500,000
Refinance Agricultural Land
Fergus County, MT | $8,700,000
Related financing
More agricultural financing
Agricultural loans
Our farmland and farm real estate overview
Land loan
We offer direct lending for land finance.
Vacant land loans
We offer loans for raw, rural and entitled land.
Also see our hard money loans and bridge financing.
Where we lend
Ranch and land loans by state
Select your state for local details.
Texas
Colorado
Ohio
Utah
California
Arizona
Oklahoma
Indiana
Idaho
Florida
South Carolina
Wisconsin
Alabama
Georgia
Tennesse
Miami
Michigan
North Carolina
Nevada
Illinois
Land Loan, explained
What is a land loan?
A land loan is financing secured by land, used to buy it or refinance it. Lot loans and unimproved land loans are common names for loans on land with no significant buildings. Because land produces no income by itself, lenders focus on its value, what it can be used for and how the loan will be repaid.
Do you offer 100% financing or bad-credit land loans?
No. We lend up to up to 70% LTV, so a down payment of at least 30% is typical, and our minimum credit score is 680. Borrowers who cannot meet those terms are usually better served by seller financing or a local lender.
What can I use a land loan for?
Borrowers use land loans to buy land, refinance an existing loan, take cash out of land they own, buy farmland or ranch property, and move into construction. Eligible deals include opportunity purchases, quick closings, farm expansions and recreational land.
How fast can you close?
Funding can take as few as 14 days, depending on how quickly the appraisal, title and other reports are completed and on the complexity of the deal.
What credit score do I need?
What do I need to apply?
- Property address, acreage and parcel numbers.
- Purchase contract or existing loan statement.
- Zoning, current use and your plan for the land.
- Entity documents and ownership details.
- Credit information (minimum score 680)
Talk to our team about your land deal.
Our experienced team is ready to assist with your financing needs.
Address:
2101 Cedar Springs Road, Suite 1050, Dallas, TX 75201
895 Dove St Ste 394, Newport Beach, CA 92660, United States
Phone:
972-865-6205
949-340-1552
Email:
info@privatecapitalinvestors.com