Land and Development
Loans for land purchase, development, or refinance.
- Leverage: Often ~50% on land
- Rates: Typically on the higher side of bridge
- Types: Entitled and Unentitled Land
- Value: Loans for all land sizes and price ranges
- Structure: Bridge unless farmland or income‑producing
Land Development Needs the Right Lender
Land development is a niche industry and having the right lender can make all the difference in both the ability to purchase and develop the land.
Why Land Is Different
Land is harder to value because its worth depends on what can be built on it. Entitled land typically carries higher value than unentitled land.
Entitlements Matter
The same parcel can price very differently based on zoning, approvals, and readiness to build.
Often Around 50%
Land leverage is typically conservative, with higher leverage available as entitlements progress.
Bridge by Default
Most land loans are bridge‑style unless it's farmland or income‑producing land, which can qualify differently.
Development loans can advance more funds as land becomes entitled and milestones are met. Rates tend to sit on the higher side of bridge pricing.
What Clients Say
“They asked the right questions about entitlement and access—then gave us realistic paths forward.”
Investor • Land acquisition
“Straight answers and good communication. We always knew what was needed next.”
Sponsor • Pre-development