We purchase seller-financed land notes and provide vacant land acquisition loans throughout Arkansas. Serving Little Rock, Fayetteville, Bentonville, Fort Smith, Hot Springs, Jonesboro and all 75 counties.
Arkansas offers exceptional land investment opportunities from the booming Northwest Arkansas corridor and Ozark mountain properties to Delta farmland, hot springs recreation land, and affordable wooded acreage across 75 counties.
Close fast and beat other buyers
Statewide Arkansas coverage
We value the land ourselves
Sell on terms, our loan stays in place. How wraps work
Have a seller-financed land deal in Arkansas? We buy land notes throughout the Natural State 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 Arkansas with our Damen Capital acquisition loan program. Get a written quote in 24 hours and close in as little as 7 days.
One of America's fastest-growing metros. Walmart, Tyson, and J.B. Hunt headquarters drive explosive demand for residential lots in Bentonville, Rogers, and Fayetteville.
State capital with suburban growth in West Little Rock, Cabot, and Bryant. Affordable residential lots and surrounding acreage with strong infrastructure.
Scenic mountain properties with Eureka Springs tourism appeal. Cabin sites, creek frontage, and wooded acreage attract buyers from Texas and the Midwest.
National Park destination with Lake Hamilton and Lake Catherine waterfront. Retirement and second-home buyers drive steady demand for lake-access lots.
Western Arkansas hub on the Oklahoma border. Affordable residential lots and rural acreage with Arkansas River frontage and outdoor recreation access.
Arkansas State University anchors steady growth. Productive farmland and affordable residential lots in the state's agricultural heartland.
Beaver Lake's 487 miles of shoreline and the White River's world-class trout fishing drive premium waterfront and recreation property demand.
Rich alluvial farmland along the Mississippi River. Large agricultural tracts for rice, soybeans, and cotton at prices below comparable Delta farmland in other states.
Arkansas land loans from us are for investors and businesses buying vacant land to resell, hold, or split. That covers most of what trades in the state: Northwest Arkansas lots in Benton and Washington Counties, wooded Ozark acreage in Carroll, Madison, Newton, and Boone, lake country around Hot Springs in Garland and Hot Spring, Fort Smith area land in Sebastian and Crawford, and farmland in the northeast and the Delta.
We’ve closed 19 land loans across 15 Arkansas counties. See every one on our Where We Lend map.
Loan size runs from $30,000 to $1,000,000 and is up to 65% of value (our own valuation, not an appraisal; closer to 50% of value in slower markets), capped at 80% of the purchase price. The rate is 16% interest only, for a 2 year term, with no points at closing. Costs outside the rate are simple: $600 at closing, $25 a month for servicing, a 2% exit fee at payoff, and a 5 month minimum on interest. There is no appraisal. We underwrite from the contract price, recent sold comps, road access, and how fast similar parcels have sold in that county. If the numbers work, you get a written quote within 24 hours and close in as little as 7 days through an Arkansas title company.
The parcel has to be at least 2 acres with deeded or recorded easement access. In the Ozarks, check road access and slope, since creek frontage and hillside tracts can be hard to reach and harder to build on. In the Delta and along the rivers, check the flood zone before you price the resale, because a parcel in a flood zone sells to a smaller pool of buyers. Arkansas allows foreclosure outside of court on a deed of trust with a power of sale, but we still lend on access, clean title, and resale demand first.
A borrower bought 31 rural acres in Arkansas for $62,000, about $2,000 an acre, brought 20% down ($12,400), and we funded $49,600 at 16% interest only, about $661 a month. The loan closed in 7 days with no appraisal. The borrower sold the parcel 8 months later to a cash buyer who planned to lease it for farming, and paid us off at that closing. Total cost of capital, including interest, the $600 closing fee, servicing, and the 2% exit fee, was $7,080. See the full Arkansas case study.
Yes. Damen Capital provides private land loans throughout Arkansas. 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 Arkansas at 80-90% of the current balance. No seasoning required.
20% of the purchase price. We lend up to 65% of value (our own valuation, not an appraisal; closer to 50% of value in slower markets), capped at 80% of the purchase price, on loans from $30,000 to $1,000,000.
Yes, when the parcel is at least 2 acres with legal access and you are buying it for business purposes, such as a resale or a seller financed sale. Check road access, slope, and any flood zone before you buy, because they decide who will buy it from you.
Yes. We are a direct hard money and private money lender for vacant land in Arkansas. 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 Natural State, we'll give you a clear quote within 24 hours.
Sold Arkansas 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 →