Damen Capital is a direct hard money and private money lender and vacant land bridge lender for raw land and undeveloped acreage. Standard deal: 20% down, 65% LTV. Cross collateralize one other property you own and we can go to 0% down, up to 100% financing. No points at closing, no profit splits, no joint ventures. Interest-only payments with direct funding designed for serious land investors.
Competitive interest-only rates with flexible terms designed for land flippers and investors.
| Loan Amounts | $30,000 – $1,000,000 |
| Rate (Interest-Only) | Loans $100K+: 14%; Under $100K: 16% |
| Exit Fee | 2% of Loan Amount |
| Total Closing Costs | $600 |
| Monthly Servicing | $25 |
| Minimum Interest | 5 Months (Paid Monthly; Any Balance at Payoff) |
| Term | 2 Years |
| Minimum Down Payment | 20% (0% with Additional Collateral) |
| Maximum LTV | 65% (100% of price with cross collateral) |
| Cross-Collateralization | Yes – 100% Financing Available |
| Subdivides | Yes – Partial Releases as Lots Sell |
| Cash-Out Refinance | Yes – 50% of the lower of value or price paid |
| Closing Timeline | 7 Days |
| Appraisal / Survey | Not Required |
| Personal Guarantee | Required |
| Restrictions | 2 Acre Minimum; No Commercial/Industrial |
| Loan Purpose | Business-Purpose Only |
No commercial or industrial properties. Not available in: CA, AZ, NV, NY, NJ, ND, SD, MT, HI, VT.
Same lender, same fast close. Pick the one that fits your deal, or get an instant quote and Apply Now.
Our Damen Capital private land loan program provides direct raw land financing with clear terms — no brokers slowing you down. Built for vacant land flips, subdivides, and long term holds alike.
Close on your land purchase in as little as 7 days. Our streamlined approval process and direct funding eliminate delays and red tape.
Access up to 100% financing through cross-collateralization. Standard loans need as little as 20% down, with a maximum 65% LTV.
Zero points at closing. Only $600 in total closing costs plus a 2% exit fee when you pay off the loan. Transparent pricing.
Stay in full control. Our loans never require joint ventures, equity sharing, or profit splits — just clear, borrower-friendly terms.
Skip the expensive appraisal process. We evaluate deals quickly based on comparable sales and property fundamentals.
Low monthly carrying costs with interest-only payments on a 2-year extendable term. Focus your capital on acquiring more deals.
Most investors need two companies for one deal. We do both, and the note sale pays off our loan at the same closing.
No appraisal, 20% down, close in as little as 7 days.
Offering terms brings more buyers. Send us the buyer and the terms before closing.
We pay 80% to 90% of the balance. Our loan is paid off from it the same day.
Example built from our published terms, not a loan or note offer. See every dollar of this deal →
We handle everything in-house. No committees, no brokers, no delays.
Submit your loan application with basic property and deal details. Takes about 5 minutes.
Receive a written quote within 24 hours. We evaluate deals quickly based on comparable sales.
We send your loan documents with clear, transparent terms. No hidden fees or surprises.
We wire funds and close in as little as 7 days. You own the property and keep full control.
Pledge one property you already own as extra collateral and we fund 100% of the purchase. Same rate, same terms, no cash down. One extra property per loan. You keep full control and can sell either property any time, with a partial release when the loan balance supports it.
How Cross-Collateralization Works →Our Damen Capital loan program is available nationwide for business-purpose vacant land acquisitions on residential-zoned parcels (2 acre minimum). Not available in CA, AZ, NV, NY, NJ, ND, SD, MT, HI, or VT. No commercial or industrial properties.
Our program is strictly for land acquisition. We fund the purchase price of vacant land — nothing else. If your deal involves costs beyond the purchase itself, those are outside our scope.
If you're not sure whether your deal qualifies, call us before submitting. We'll tell you in five minutes.
Enter your loan amount and expected hold period to see the total cost of the loan: interest, closing, exit fee, and servicing. The rate is set by loan size: 14% for loans $100K+ and 16% under $100K.
A standard 20% down loan doesn't fit every situation. Our most popular creative structure: a JV partner puts up the equity (20% down payment) while Damen Capital provides the debt (80% acquisition loan). You bring the deal, manage execution, and invest zero of your own cash.
Bring your own JV partner for 100% financing. We also offer cross-collateral for zero-down acquisitions, subdivide-and-release programs, and more.
See All Deal Structures →We work with land investors across the United States.
"For my subdivide projects, Eric is the only lender I call. Sure, I pay more than I would with a bank, but I'm not stuck waiting two months for an answer. His team is easy to work with, which is why I see them as the leader in the vacant land space."
— Jeff M.
"I've run four different deals through Damen Capital now, and I'm already planning to use them again. The speed and responsiveness stand out, and the terms have always felt fair. Every closing has been smooth, with no drama."
— Caitlyn R.
"Eric actually answers when I call him, every time. That kind of direct access and service is almost impossible to find anywhere else."
— Jared M.
Damen Capital charges 14% interest on loans of $100K or more and 16% on loans under $100K. All loans are interest-only with a 2-year term.
We close in as little as 7 days. No appraisal required. We send a written quote within 24 hours and fund directly from our own capital.
The standard minimum down payment is 20%. With cross-collateralization using another property as additional collateral, 0% down is possible.
We lend in most states. We do not lend in California, Arizona, Nevada, New York, New Jersey, North Dakota, South Dakota, Montana, Hawaii, or Vermont.
Get a written quote in 24 hours and close in as little as 7 days. Competitive rates, transparent terms, direct funding.