Land loans in Florida
Short-term, business-purpose loans on land that is ready to build, hotel sites and other special-use property, reviewed case by case.
Land produces no income and its value depends on zoning and approvals, so every land loan gets an individual review.
Residential land
Zoned lots and parcels with a clear path to building permits.
Commercial and hotel sites
Sites zoned for commercial or hotel use, with approvals in place or in progress.
Infill lots
Lots in established neighborhoods, ready for new construction.
Special-use property
Property with a specific use, reviewed on its own merits.
Common uses
Purchase
Buy land while you finish plans and permits.
Refinance
Replace a land loan that is coming due.
Bridge to construction
Hold the land until a construction loan is in place.
Cash out
Borrow against owned land for a business purpose.
What happens after your quote
- Step 1
Get your quote
A few questions about the property and the loan. No account and no credit check.
- Step 2
Apply and upload
Tell us about your company and send documents from your phone or computer.
- Step 3
Sign your term sheet
If your loan fits our guidelines, you sign your term sheet online. We review and countersign within 48 hours.
- Step 4
Close and fund
Track every closing item in your private portal until your loan funds.
Documents you will need
You upload these to your secure portal after you apply. We tell you if anything else applies to your property.
- Photo ID for each owner with 10% or more
- The company's articles of organization and operating agreement
- Recent bank statements
- Purchase contract, or a payoff letter for the current loan
- Property insurance, including flood and wind coverage where required
- Appraisal, ordered through us
- Survey
- Zoning and approval documents, such as a site plan approval
- Environmental report, where the site's history calls for one
Land
Do you lend on raw land?
We focus on land that is zoned and close to ready to build. Raw land without a clear path to approvals is rarely a fit.
Can a land loan become a construction loan?
We can review a construction loan on the same property separately once plans, permits and a budget are in place.
Why is land reviewed case by case?
Land produces no income and its value depends heavily on zoning and approvals, so each request gets an individual review.
What should I send first?
Start with a quote, then send the survey, zoning information and your plan for the property.
Get a loan quote
About 2 minutes. No credit check for a quote. Loans are for business purposes only.