We fund vacant land purchases for investors in and around Chattanooga, Tennessee: Hamilton, Marion, Sequatchie, and Bradley, plus Walker and Catoosa in Georgia counties. Written quote in 24 hours, close in about 7 days.
Chattanooga sits where Tennessee, Georgia, and Alabama meet, with mountain, ridge, and valley land on every side. Investors buy it, split it, and resell it on terms.
Close fast and beat other buyers
Land loans around Chattanooga
We value the land ourselves
You deal with the person who funds the loan
Acreage and homesite tracts around the city.
Mountain and valley land to the west.
Rural acreage to the northeast.
Ridge and valley land just across the state line, which we also fund.
Our Chattanooga land loans are for investors and businesses buying vacant land to resell, hold, or split in Hamilton, Marion, Sequatchie, and Bradley, plus Walker and Catoosa in Georgia counties.
Loan size runs from $30,000 to $1,000,000 and is up to 65% of value, capped at 80% of the purchase price. Rates are 14% interest only on loans of $100,000 and up and 16% under $100,000, 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 about 7 days.
The parcel has to be at least 2 acres with deeded or recorded easement access. Tennessee uses deeds of trust. Steep ground is common here, so check how much of a parcel is usable, and confirm road access up the ridge is legal and recorded. Check the county's septic rules on the lot size you plan to sell.
In the Chattanooga area, what sells fastest is mountain and ridge land with a view and a usable building spot, on Signal Mountain, Lookout Mountain, and the Cumberland Plateau, plus valley homesite tracts toward Cleveland. Buyers come from Chattanooga, Atlanta, and Nashville, and many want to buy on terms.
Many Chattanooga area buyers want monthly payments instead of a bank loan, so reselling on terms is a natural exit. If you sell that way, we can buy the note you create for 80 to 90% of the balance.
An 18 acre Tennessee land purchase financed with an $89,600 loan, closed in 7 days with no appraisal.
Read the Tennessee loan case study →Yes. We fund vacant land purchases in and around Chattanooga, including Hamilton, Marion, Sequatchie, and Bradley, plus Walker and Catoosa in Georgia counties, from $30,000 to $1,000,000 with 20% down and no appraisal.
About 7 days once we have a signed contract, clear title, and your entity documents. You get a written quote within 24 hours.
14% interest only on loans of $100,000 and up, 16% under $100,000, for 2 years. $600 at closing, $25 a month servicing, and a 2% exit fee at payoff.
Vacant land of 2 acres or more with legal access, bought by an LLC or corporation for a business purpose such as a flip, a split, or a resale on terms.
Yes. If you sell Chattanooga area land with seller financing, we can buy the note for 80 to 90% of the balance, at closing or later.
We are a direct hard money and private money lender for vacant land in Chattanooga, TN. 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. Every loan is for business purposes with a personal guarantee.
See our hard money land loan terms →Send the contract and the parcel. Written quote in 24 hours, close in about 7 days.