Land Acquisition & Development Financing
Builder Loans offers expert land acquisition and development financing for residential projects, including subdivisions, multifamily developments, and master-planned communities. Our construction lenders in California provide tailored solutions, including revolving lines and term financing, to support experienced developers, land bankers, and builder loan applicants. Whether you’re acquiring raw land or expanding existing holdings, we provide strategic builder finance options designed for scalability and long-term success.
Program Overview
Eligibility & Guidelines
- Land must be fully or partially entitled
- Development projects range from $10,000,000 to $100,000,000
- Minimum land purchase price of $1,000,000
- Developer must demonstrate relevant experience within the past 5 years
- Projects under $3 million require personal guarantees; larger projects may qualify for non-recourse financing
Loan Features
- Up to 70% Loan-to-Cost (LTC)
- Up to 60% Loan-to-Value (LTV)
- Interest-only payments on funds drawn
- Revolving and term financing available
- 3-year development-to-construction financing
- Financing available for land bankers and developers with pre-sold lots
- $800,000 minimum loan amount
Frequently Asked Questions (FAQs)
Partially entitled land has received some, but not all, necessary approvals or permits from local authorities for development.
Relevant experience means successfully completing similar residential developments or land acquisitions within the past 5 years.
Land banking financing allows developers or investors to purchase and hold land for future residential development or sale, often structured as revolving credit lines or term loans.
No, pre-sold lots are not required, but having lots pre-sold to homebuilders can positively impact project feasibility and approval.