Land Acquisition & Development Financing (A&D)
We help builders and developers secure the land and prepare it for construction. Our A&D programs cover everything from land purchase to site improvements roads, utilities, and grading. Designed to move projects from concept to groundbreaking with confidence. Whether you’re developing single homes, multifamily projects, or full communities, our financing is structured to match your timeline and build strategy.
Program Overview
Eligibility & Guidelines
- Land must be fully or partially entitled
- Project sizes from $10 million to $100 million
- Minimum land purchase price: $1 million
- Developer must show experience for 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 drawn funds
- Revolving and term financing options available
- 3-year development-to-construction term
- Minimum loan amount: $800,000
Frequently Asked Questions (FAQs)
What does partially entitled land mean?
Partially entitled land has received some, but not all, required local approvals or permits for development.
What qualifies as relevant experience for developers?
Relevant experience refers to successfully completed residential or land development projects within the past five years.
What is land banking financing?
Land banking financing enables developers or investors to acquire and hold land for future development or sale, often structured as revolving credit lines or term loans.
Are pre-sold lots required for financing approval?
Pre-sold lots are not mandatory but may improve project feasibility and underwriting strength.