Private land loans in Charlotte and surrounding counties. Close in as little as 7 days with no appraisal, no bank underwriting. We also purchase seller-financed land notes throughout North Carolina.
Charlotte is one of the fastest-growing cities in the Southeast and suburban expansion into surrounding counties is driving consistent buyer demand for residential land, rural acreage, and development parcels. Banks still pass on most vacant land regardless of how strong the market fundamentals are.
Close fast and beat other buyers
Underwritten on the land itself
We value the land ourselves
Sell on terms, our loan stays in place. How wraps work
Private land financing for investors who need to close fast on Charlotte area land deals. Banks won't lend on most vacant land — we will. We underwrite based on the property, not your tax returns.
Sold land in the Charlotte area with seller financing? We'll buy your promissory note at closing for 80-90% of the balance. Get cash now instead of waiting years for monthly payments. No seasoning required.
One of the fastest-growing counties in North Carolina. Consistent buyer demand for residential lots as Charlotte's eastern suburbs continue to expand. Strong appreciation.
Northeast Charlotte growth corridor. Concord has become one of the most active suburban markets in the region. High demand for residential development land.
Lake Norman area drives premium pricing for waterfront and lake-access parcels. Mooresville and Statesville suburban growth creating additional buyer demand.
Western Charlotte suburb with strong industrial and residential growth. Affordable land relative to Mecklenburg. Buyers from Charlotte driving demand.
Charlotte's growth has made surrounding county land highly competitive. Deals move fast, and buyers who rely on conventional bank financing routinely lose to investors who can close in as little as 7 days. Our private land loans are built for exactly that scenario.
We underwrite based on the land itself — location, access, comparables, and saleability. No appraisal required, no tax returns, no lengthy bank review. Submit your deal, get a quote in 24 hours, close in as little as 7 days.
We finance lots and acreage throughout Charlotte and surrounding counties. We also purchase seller-financed land notes originated anywhere in North Carolina at 80-90% of balance.
Yes. Damen Capital provides private land loans throughout Charlotte and surrounding Mecklenburg, Union, Cabarrus, Gaston, and Iredell counties. Loans from $30K to $1M, interest-only, 7-day closings, no appraisal required.
We close in as little as 7 days. No appraisal, no bank underwriting. We send a written quote within 24 hours and fund directly.
Yes. We purchase seller-financed vacant land notes originated in Charlotte and throughout NC at 80-90% of the current balance. No seasoning required.
Yes. We are a direct hard money and private money lender for vacant land in Charlotte, NC. We fund land flips, subdivides, and land you plan to sell on terms, from $30K to $1M at 14% to 16% interest only, with 20% down, no appraisal, no points at closing, and about 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 →Submit your deal and get a quote within 24 hours. 7-day closings, direct funding, no appraisal.