Land and Development
Loans for land purchase, development, horizontal construction 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.
How Land Development Loans Work
Land is harder to value because its worth depends on what can be built on it, when it can be built, and whether there is proven demand. Entitled land typically carries higher value than unentitled land, but approvals, market demand, and pre-sales can materially change the lending picture.
Entitlements Matter
The same parcel can price very differently based on zoning, approvals, and readiness to build. Entitlements depend on government approval, which makes timing and final value harder to predict.
Often Around 50%
Land leverage is conservative because land often sells below appraised value, does not usually produce income, and much of the value may depend on future development assumptions.
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, milestones are met, and pre-sales support the exit. 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