We purchase seller-financed land notes and provide vacant land acquisition loans throughout Alabama. Serving Huntsville, Birmingham, Mobile, Montgomery, Auburn, Tuscaloosa and all 67 counties.
Alabama offers exceptional land investment opportunities from the booming Huntsville tech corridor and Birmingham suburbs to Gulf Coast waterfront, Black Belt farmland, and affordable recreational acreage across 67 counties.
We’ve closed 25 land loans across 19 Alabama counties. See every one on our Where We Lend map.
Close fast and beat other buyers
Statewide Alabama coverage
We value the land ourselves
Sell on terms, our loan stays in place. How wraps work
Have a seller-financed land deal in Alabama? We buy land notes throughout the Heart of Dixie for 80-90% of the current balance. Close in as little as 7 days and turn your note into immediate cash.
Purchase vacant land in Alabama with our Damen Capital acquisition loan program. Get a written quote in 24 hours and close in as little as 7 days.
Fastest-growing metro in Alabama driven by aerospace, defense, and tech. Massive demand for residential lots as the population surges past Birmingham.
Alabama's largest city with suburban growth in Shelby County (Chelsea, Helena) and over-the-mountain communities. Affordable lots compared to peer metros.
Gulf Shores, Orange Beach, and Fairhope drive premium waterfront demand. Baldwin County is one of the fastest-growing counties in the state.
Auburn University drives consistent growth. Strong demand for residential lots and rural acreage in the I-85 corridor between Montgomery and Atlanta.
Alabama's premier lake with 750 miles of shoreline. Waterfront lots and lake-access properties attract buyers from Birmingham and Atlanta.
Shoals region along the Tennessee River. Affordable waterfront and rural acreage with Muscle Shoals cultural appeal and proximity to Huntsville growth.
State capital with steady growth in Prattville and Millbrook. Affordable residential lots and surrounding farmland with easy interstate access.
Some of the most affordable large-acreage parcels in the Southeast. Hunting, timber, and agricultural land at bargain prices with strong long-term upside.
Yes. Damen Capital provides private land loans throughout Alabama. Loans from $30K to $1M, interest-only, closings in as little as 7 days, no appraisal required.
Yes. We purchase seller-financed vacant land promissory notes in Alabama at 80-90% of the current balance. No seasoning required.
In counties with subdivision rules, even a split into two lots counts. Family transfers are exempt, with a new 24 month rule.
Alabama counts any division into two or more lots as a subdivision where the county has adopted regulations. There is no acreage exemption. Transfers to an immediate family member are exempt, but starting October 1, 2026, if that land is sold outside the family within 24 months, the subdivision rules apply. The county commission approves.
County rules on lot size, frontage, and minor vs. major splits sit on top of this, so call the planning office before you buy. For financing, we lend up to 80% of the purchase price if the plat records at closing and every lot passes perc, or 65% at closing plus a 15% holdback released when the plat records and every lot passes perc, never more than 65% of value. See our subdivision loans and the subdivision rules by state guide.
Sources: Ala. Code 11-24-1, 11-24-2, Act 2026-49, ADPH septic rules. General information, not legal advice.
Yes. We are a direct hard money and private money lender for vacant land in Alabama. We fund land flips, subdivides, and land you plan to sell on terms, from $30K to $1M at 16% interest only, with 20% down, no appraisal, no points at closing, and as little as 7 days to close.
Some people search for a private money lender, others for a hard money lender. On land it is the same loan. Most of those lenders fund houses and pass on raw land. Land is all we lend on, and we fund our own loans with no broker in the middle. Every loan is for business purposes with a personal guarantee.
Hard money lender for land: see our terms →Whether you're selling a land note or financing your next acquisition in the Heart of Dixie, we'll give you a clear quote within 24 hours.
Sold Alabama land with seller financing? We purchase seller financed land notes at 80 to 90% of balance: $50,000 minimum property value, $25,000 minimum balance, no seasoning required, performing and non-performing, written offer in 24 hours, closings in as little as 7 days.
See what your note is worth → · How note selling works · Document checklist
Already have an offer on your land note? Send it over and we'll give you ours within 24 hours. How it works →