Vacant Land Loans for Investors and Developers
Loans are secured by the land, with up to 70% LTV and funding in as few as 14 days, for buyers who cannot wait on a bank’s slower land underwriting.
940+
Loans Funded
854+
Clients
$4.5B+
Loans Amount
Overview
Vacant Loan Terms
Our vacant land loans are for everyone, from corporate employees to self-employed individuals.
Nothing can double your happiness of finding the perfect piece of land other than getting a loan for vacant land for the land you chose.
We offer loans so that you can align your plans around it. Whether you are looking for commercial or agricultural land, our vacant land loans cover all aspects.
Our skilled professionals will verify your documents and approve your loan in a few days to a week.
Although everyone is eligible for our land loan, factors such as land size, income stability, and credit risk can determine your eligibility.
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 do we finance?
Investors and developers use land loans to buy, hold, entitle or refinance. Choose the closest match.
Raw and unimproved land
Land with no utilities or entitlements, bought for long-term value or future development.
Entitled & development-ready land
Land with zoning and approvals in place, ready for a builder or developer.
Rural acreage
Larger rural tracts are held for recreation, agriculture, or investment.
Infill and commercial lots
Smaller parcels in developed areas, bought to build or resell.
Land banking and hold
Buy and hold land while an entitlement, sale or development plan matures.
Land to construction
Finance the land now and move into building financing when you are ready.
Compare lenders
Private Capital Investors 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 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 land loan needs to be refinanced.
Look at a bank, Farm Credit or FSA when
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.
You plan to build a home rather than invest or develop.
Underwriting
How we underwrite vacant land?
Land has no income, so the plan for the land matters as much as its price.
Zoning and entitlements
What can legally be built, and where the property stands in the approval process.
Access and utilities
Legal access, and the cost and distance to water, sewer, power and roads.
Site and environmental
Topography, flood zone, soils and any environmental findings.
Exit strategy
How the loan is repaid: sale, development, refinance or longer-term financing.
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
Land Loan Refinance
Refinance your land loan at affordable rates.
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
Vacant Land loan FAQs
What is a vacant land loan?
A vacant land loan is financing secured by land with no significant buildings on it. It can be used to buy the land, refinance an existing loan, or fund pre-development work.
How much can I borrow against raw land?
We lend up to 70% of the value on vacant land, based on the appraised value. Lenders typically underwrite raw land more conservatively than improved property.
What is the difference between raw land and rural land?
Raw land is unimproved and usually near a path to development. Rural land is a location and use, larger tracts that may be farmed, held for recreation or kept for long-term investment. The two overlap, and the same property can be both. See the table above to compare land types.
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, entitlement status and development plan
- Purpose of funds and exit strategy
- Entity documents and 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