Land AcquisitionLoans
Secure strategic commercial sites for future development
Commercial land purchases require specialized financing solutions. We evaluate each opportunity on its own merits considering location, development potential, market demand, and borrower experience to structure terms aligned with your project goals.
Every land deal is different. Financing terms depend on site characteristics, entitlement feasibility, planned use, and available equity. Our approach ensures funding is aligned with your development timeline and exit strategy.
Development Land Types
Financing solutions for a range of commercial uses:
Commercial Development
Prime sites suited for retail, office, medical, or mixed-use projects
When Land Acquisition Financing Makes Sense
Common investor scenarios
You’ve identified a prime site but need capital before construction plans or permanent financing are finalized.
Traditional lenders often require approved plans and permits before lending.
Short-term acquisition financing to secure the land, complete due diligence, pursue entitlements, and prepare for construction financing.
Lock in today's pricing on tomorrow's hottest location, position for development or profitable resale
Qualification Requirements
What we look for in a land financing request
Borrower Requirements
Previous development experience
CRITICALAdequate liquidity and net worth
CRITICALClear development or disposition plan
CRITICALAcceptable credit profile
Property Requirements
Commercial development potential
CRITICALAppropriate zoning (or path to obtain it)
CRITICALAccess to infrastructure/utilities
CRITICALMarket demand for proposed use
Deal Structure
Meaningful equity contribution (typically 30–50%)
CRITICALExecuted purchase agreement
CRITICALDefined exit strategy and project timeline
CRITICALCommon Questions
Understanding land acquisition financing
Every land parcel is different, its value depends on zoning, location, development potential, and market demand. Because there is no existing building generating income, lenders must assess the land’s feasibility, your experience, and the strength of your exit strategy. A customized review ensures the project is viable before funding is provided.
Land financing usually requires 30–50% down (50–70% LTV). The exact amount depends on the site’s quality, zoning status, your development history, and the project’s overall viability. Stronger projects with experienced developers and prime locations may qualify for lower equity requirements.
Most land loans carry 1–3 year terms to allow time for planning, entitlement work, and development preparation. The term should match your intended timeline. Extensions may be available if there is clear progress toward approvals or a defined path to development or sale.
Yes. Full construction plans are not required, but you must present a clear development concept, intended use, market rationale, and evidence that zoning, access, and utilities are achievable. Well-defined plans can help improve loan structure and terms.
Zoning changes are possible, but they add time and risk. You must demonstrate a realistic path to rezoning, community or municipal support, and a development plan that aligns with local land-use policies. Financing may still be available, but terms depend on entitlement feasibility and your ability to navigate the approval process.
Ready to Secure Your Development Site?
Every land opportunity is unique. Let's discuss your site, development plans, and financing needs to structure the right acquisition loan.
Each land acquisition opportunity is evaluated individually based on location quality, development feasibility, your experience, market conditions, and exit strategy.