We purchase seller-financed land notes and provide vacant land acquisition loans throughout Georgia. Serving Atlanta, Savannah, Augusta, Macon, Athens, Columbus and all 159 counties.
Georgia offers exceptional land investment opportunities from booming Atlanta suburbs and coastal marshland to Blue Ridge mountain properties, productive farmland, and plantation-style acreage across 159 counties — the most of any state east of the Mississippi.
Close fast and beat other buyers
Statewide Georgia coverage
We value the land ourselves
Sell on terms, our loan stays in place. How wraps work
Have a seller-financed land deal in Georgia? We buy land notes throughout the Peach 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 Georgia with our Damen Capital acquisition loan program. Get a written quote in 24 hours and close in as little as 7 days.
One of the fastest-growing metros in the US. Massive demand for residential lots in outer suburbs like Canton, Cumming, Covington, and Dallas as the metro expands.
Blue Ridge and Ellijay anchor a hot mountain property market. Cabin sites, creek frontage, and mountain-view parcels attract vacation home buyers from Atlanta.
Historic Savannah plus barrier island properties. Bryan and Effingham Counties see rapid residential growth as Savannah's economy booms.
Masters Tournament puts Augusta on the map. Columbia County is one of Georgia's fastest-growing with strong residential lot demand.
Macon and Warner Robins (Robins AFB) anchor steady demand. Affordable acreage for farms, timber, and rural homesites.
UGA drives consistent growth. Oconee County is one of the wealthiest in the state with premium residential lot demand.
Historic plantation properties and quail hunting land. Large acreage tracts for hunting, farming, and timber investment at affordable prices.
Lake Oconee and Lake Sinclair properties. Gated communities and waterfront lots attract Atlanta retirees and second-home buyers.
Georgia 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: lots in the outer Atlanta suburbs in Cherokee, Forsyth, Paulding, and Henry Counties, mountain land around Blue Ridge and Ellijay in Fannin and Gilmer, growth corridors near Savannah in Bryan and Effingham, Columbia County outside Augusta, and farm and timber acreage in Middle and South Georgia.
We’ve closed 40 land loans across 33 Georgia 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.
The parcel has to be at least 2 acres with deeded or recorded easement access. In the mountains, check road access and slope. Near the coast, check the flood zone and marsh before you price the resale. Georgia closings go through a closing attorney. Georgia is a non judicial foreclosure state and one of the fastest in the country, with four weeks of ads and a sale on the first Tuesday of the month, but we still lend on access, clean title, and resale value.
A borrower bought 22 acres in Georgia for $148,000 and we funded $118,400 at 14% interest only, about $1,381 a month. The loan closed in 7 days with no appraisal. The borrower subdivided the parcel and sold the lots with seller financing over 10 months, paying us down as each lot sold. Total cost of capital, including interest, the $600 closing fee, servicing, and the 2% exit fee, was $17,028. See the full Georgia case study.
Yes. Damen Capital provides private land loans throughout Georgia. 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 Georgia at 80-90% of the current balance. No seasoning required.
As little as 7 days through a Georgia closing attorney. You get a written quote within 24 hours, and there is no appraisal.
At least 20% of the purchase price. The loan is up to 65% of value (our own valuation, not an appraisal; closer to 50% of value in slower markets) and never more than 80% of the price. 0% down is possible if you pledge another property you own as cross collateral.
Yes. We lend up to 80% of the purchase price when the plat records at closing and every lot passes perc. Otherwise we lend 65% at closing, with 15% held back and released when the plat records and every lot passes perc, with partial releases as lots sell.
Georgia leaves subdivision rules to each county. The state sets septic rules through the county board of health.
Georgia has no statewide county subdivision law. Where a county has adopted subdivision regulations, a plat cannot be recorded without county approval. Where it has not, the rules are light. Septic is statewide: the county board of health must approve water and sewage plans before you sell lots in a subdivision.
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: O.C.G.A. 15-6-67, Ga. Rule 511-3-1. General information, not legal advice.
Yes. We are a direct hard money and private money lender for vacant land in Georgia. 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 Peach State, we'll give you a clear quote within 24 hours.
Sold Georgia 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 →