We purchase seller-financed land notes and provide vacant land acquisition loans throughout North Carolina. Serving Charlotte, Raleigh, Asheville, Wilmington, Greensboro, Fayetteville and all 100 counties.
North Carolina offers exceptional land investment opportunities from booming Charlotte and Raleigh-Durham suburbs to Blue Ridge mountain properties, Outer Banks coastal land, and affordable Piedmont acreage across 100 counties.
We’ve closed 67 land loans across 39 North Carolina counties. See every one on our Where We Lend map.
Close fast and beat other buyers
Statewide North Carolina coverage
We value the land ourselves
Sell on terms, our loan stays in place. How wraps work
Have a seller-financed land deal in North Carolina? We buy land notes throughout the Tar Heel 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 North Carolina 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 America. Massive demand for residential lots in Waxhaw, Indian Trail, Mooresville, and Concord as the metro pushes outward.
Research Triangle drives explosive growth. Apex, Holly Springs, Fuquay-Varina, and Clayton see intense residential lot demand from tech and biotech workers.
Blue Ridge mountain properties with premium demand. Asheville's cultural draw and mountain views make this one of the hottest vacation and retirement land markets in the Southeast.
Coastal living driving strong demand. Brunswick County is one of NC's fastest-growing with beach community lots and Intracoastal Waterway properties.
Iconic barrier island properties. Vacation rental demand drives premium prices for oceanfront and soundside lots in Corolla, Duck, and Emerald Isle.
Greensboro, Winston-Salem, and High Point offer affordable suburban lots. Steady growth with lower prices than Charlotte and Raleigh markets.
Boone, Blowing Rock, and Banner Elk attract mountain retreat buyers. Ski area proximity and Blue Ridge Parkway access drive cabin site demand.
Pinehurst and Southern Pines anchor a golf and equestrian community. Fort Bragg supports Fayetteville area residential demand. Affordable rural acreage.
Yes. Damen Capital provides private land loans throughout North Carolina. 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 North Carolina at 80-90% of the current balance. No seasoning required.
Splits where every parcel is more than 10 acres, with no new street, are exempt from subdivision rules.
North Carolina counts any division into two or more lots for sale or building as a subdivision, with exemptions. The main ones for investors: parcels greater than 10 acres with no street dedication, and a tract of 2 acres or less split into no more than three lots with no street. The county ordinance sets who approves.
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: G.S. 160D-802, UNC School of Government, 15A NCAC 18E. General information, not legal advice.
Yes. We are a direct hard money and private money lender for vacant land in North Carolina. 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 Tar Heel State, we'll give you a clear quote within 24 hours.
Sold North Carolina 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 →