Agricultural and Land Loans Florida for Investors & Developers

Florida’s land and agricultural sectors are experiencing a dynamic, structural shift. We finance from $1M–$50M — built for Florida’s fastest-growing markets.

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Florida's CRE Market Stats

197,000+

Net migration, 2025 (#2 nationally)

198,000+

2025 residential permits (#2 nationally)

#6

Tampa’s rank on CBRE’s 2026 investment list

#3

Miami’s rank on ULI’s 2026 markets to watch

State Overview

Florida Land Loans Overview

Rapid population growth, industrial expansion, and evolving agricultural production have created unprecedented demand for land acquisition, entitlement, and operational financing.

Our private land and agricultural loan programs fill this capital gap. Whether acquiring raw land for future development, refinancing agricultural acreage, or converting unproductive groves into cash-flowing assets, we provide customized debt solutions tailored to the Florida market.

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Raw / development land

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$2,500–$10,000+/acre (premium tier nationally)

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Farm & cropland signal

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High-value exurban conversion pressure statewide

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Development activity

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Strong agricultural-to-residential conversion

Loan Terms

Why Choose Florida for Investment?

Florida’s commercial real estate (CRE), land, and agricultural markets present a compelling landscape for private commercial lenders. Traditional regional banks have tightened underwriting standards and scaled back leverage, creating a significant capital gap for private debt, bridge financing, recapitalizations, and construction completion loans.

Navigating Florida’s land and agricultural real estate market requires financial capital that moves at the speed of business.

Whether you are a developer securing strategic land holdings, a landowner repurposing acreage, or an agricultural producer expanding operations, our team provides the capital certainty needed to execute your vision.

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Amortization: 30 years amortization with no prepayment penalties

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Loan Amount: $1 Millions to $50 Million

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Min Credit Score: 680

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Closing: from 14 to 21 days

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Maximum LTV: Upto 70% Loan to Value

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Adjustable and Fexible rates are available

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Nationwide Lending

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Explore Florida’s Growing Cities

Miami

Lowest multifamily vacancy (6.6%) & highest rent growth among major South metros — 8%+ of inventory under construction

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Tampa

Tampa ranks #6 on CBRE’s 2026 target list after adding roughly 87,000 residents in 2025.

Our Loan Programs

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Land Loans

Financing for raw and entitled land, including forward-takedown and phased structures.

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Agriculture Loans

Farmland acquisitions, ranchland expansions, timberland, and long-term landholding.

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Orchard/Citrus Loans

Capital to pivot non-productive groves into residential, commercial, or alternative crop uses.

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Bridge Loans

Fast, flexible financing to acquire or reposition assets while permanent financing is arranged.

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Hard Money Loans

Asset-based lending for investors who can’t qualify for or don’t want to wait on bank financing.

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CRE Loans Florida

Long-term financing designed to provide stable, predictable funding for stabilized commercial real estate assets.

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Private Capital Investors or a bank or Farm Credit

Large ranch deals often outgrow standard agricultural limits or move faster than a bank will.

When Choose us

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Raw/vacant land – Yes.

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Speed to close – 2-3 Weeks.

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Loan size – $1M-$50M.

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Flexibility on complex parcels – High.

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Underwriting basis – Asset + plan + exit.

Banks/SBAs

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Raw/vacant land – Rarely.

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Speed to ̧close – 60–90+ days.

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Loan Size – Varies.

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Flexibility on complex parcels – Low.

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Underwriting basis – Borrower cash flow / credit

Banks/SBAs

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Raw/vacant land – Limited.

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Speed to ̧close – 45–90+ days.

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Loan Size – Varies.

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Flexibility on complex parcels – Moderate.

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Underwriting basis – Operation & membership.

Farm/Land types we finance in Florida

1 Land Construction Loans

Capital to take an entitled Florida parcel through horizontal and vertical build-out.

2 Raw & Vacant Land Loans

Acquisition of unimproved Florida land with no utilities or entitlements yet in place.

3 Agricultural / Farm Loans

General-purpose financing for Florida cropland and productive agricultural property.

4 Orchard, Citrus & Grove Loans

Citrus groves and specialty-crop acreage, including replanting and recovery plays.

Transactions We Finance

Deal types we're built for

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Acquisitions

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Distressed & Note Purchases

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Lease-Up / Hold-Period Bridge

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Refi Agricultural Land

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New Construction / Ground-Up

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Repositioning & Value-Add

Our Recent Closings

Refinance Cash-out Refinance

Live Oak, FL | $2,500,000

Closing - Refinance Office To Multifamily Conversion Pre-Development

Refinance 110 Acre Agricultural Land

New Cuyama, CA | $1,500,000

Closing - Light Industrial Warehouse – Purchase

Purchase Land

Manor, TX | $4,000,000

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Financing a deal in Florida?

Get an indicative term sheet from a direct lender — no red tape, no waiting on a bank committee.

Contact Us

(972) 865-6205

Florida lending questions

Does PCI finance raw or vacant land in Florida?

Yes. PCI finances raw, vacant, and entitled Florida land from $1M to $50M at up to 65% LTV, underwritten on the parcel and your development or hold plan rather than on existing cash flow.

What LTV can I get on Florida land or farmland?

Up to 65% LTV on land and up to 70% on working farms, ranches, and groves. Final leverage depends on the parcel’s permissible acreage, use, entitlement status, and your exit.