America's #1 Land Note Buyer

We Finance Vacant Land & Buy Land Notes

Cash out your land note or close your next acquisition in 7 days. Direct funding. Clear terms. Trusted by land investors nationwide.

$35M+
Total Financed
400+
Loans Originated
150+
Notes Purchased

Specialized Capital for Vacant Land

At Damen Capital, we specialize in helping land investors and developers access fast, flexible capital. Whether you need to sell your land note or secure a vacant land acquisition loan, our streamlined process makes borrowing simple, transparent, and hassle-free.

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Vacant land at sunset

Built Exclusively for Vacant Land

Direct funding from our own capital. No brokers. No delays. No hidden fees.

Lightning-Fast Execution

Indicative bids in 24 hours, loan approvals in 48 hours, and closings in as little as 7 days.

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Vacant Land Specialists

Our exclusive focus on vacant land lets us design tailored financing programs and raw land solutions for our clients.

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No Middlemen

We fund deals directly from our own account — no brokers, no delays, no hidden fees.

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Flexible Solutions

Customizable note purchase and acquisition loan programs built around your unique deal structure and timeline.

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Relationship-Driven

More than private lenders — transparent, hands-on support that builds lasting trust with every client.

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Competitive Pricing

Market-leading land note purchase rates and flexible loan terms designed for serious land businesses.

Fast, Flexible Land Financing

Whether you need to sell your seller-financed land note or secure a vacant land acquisition loan, our solutions are built to move at the speed of your business.

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Sell Your Note

Cash out your seller-financed land note at closing or any time after. Fast approvals, fair pricing.

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Land Acquisition Loans

Up to 100% financing with cross-collateralization. 7-day closings, no appraisal required.

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Note Buying Program

Full-service program for investors who want to sell notes at scale with streamlined processing.

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Consulting

Structure seller-financed deals that sell 2-3x faster. Expert guidance on terms and exit strategies.

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From Submission to Funding in Days

Fast, simple, and transparent. No middlemen, no hidden fees — just reliable capital when you need it.

1

Submit Your Deal

Share basic details about your land note or loan needs.

2

Bid Within 24 Hours

We provide a personalized indicative bid tailored to your deal.

3

In-House Approval

All approvals handled internally — no brokers, no delays.

4

Close in 7 Days

Once approved, we move swiftly to funding with simple terms.

Two Core Programs

Seller-Financed Land Notes

  • Attract More Buyers
  • Sell Faster at a Higher Price
  • Simple Terms
  • Fast Closing Process
  • All Paperwork Provided
  • No Risk of Default
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Vacant Land Acquisition Loans

  • Up to 100% Financing
  • Up to 65% LTV
  • 2 Year Term
  • No Points at Purchase
  • 7 Day Closings
  • Refinances Available
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Eric Scharaga, Founder of Damen Capital Fund

Eric Scharaga

Eric specializes in vacant land finance and is an expert land note buyer with a comprehensive background in performing and non-performing land notes. In 2020, he authored the book Lienlord.

He enjoys helping clients discover creative strategies for seller-financed land notes and using land acquisition loans to massively expand their businesses.

As the founder of Damen Capital Fund, Eric leads an investment firm specializing in the origination and purchase of seller-financed land notes and providing vacant land acquisition loans.

Common Questions

A land note is a seller-financed loan used when the buyer of a piece of land agrees to make payments over time instead of paying the full purchase price upfront. If you're the seller, you're essentially the lender, and the land note is a way to receive payments for your land while still holding the title until it's paid off. Learn more →

Selling a land note allows you to cash out on the payments you're owed without waiting for the full term to end. Once you submit a request, we evaluate the remaining balance, payment history, and the buyer's status. We then make you a fair, upfront offer. Get a free quote →

The value depends on several factors: the balance remaining, the interest rate, the buyer's payment history, and the overall terms. We assess each land note individually to provide a personalized quote. Get a free quote →

Our loans are designed for land investors and developers who want to purchase property with favorable terms. After submitting basic details about your land purchase, we'll evaluate the deal and send you a custom loan offer. Learn more →

No — we work with land investors and note holders nationwide. Whether you're in Wisconsin, Texas, Florida, or anywhere else in the U.S., we can help. Get your quote →

Yes, completely free with no obligation. We review your deal and provide a fair offer based on the information you share. Get your free quote →

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Free Download

Seller Financing Strategies Guide

Learn how top land investors use seller financing to sell faster, earn more, and scale their business. Get the guide free — just request a copy.

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Ready to Sell Your Land Note?

Get a no-obligation quote from Damen Capital Fund. Our team is ready to make you a fair, competitive offer.

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