We purchase seller-financed land notes and provide vacant land acquisition loans throughout Oklahoma. Serving Oklahoma City, Tulsa, Norman, Broken Arrow, Edmond, Stillwater and all 77 counties.
Oklahoma offers exceptional land investment opportunities from booming OKC and Tulsa suburban corridors to lake properties, cattle ranch land, productive farmland, and affordable rural acreage across 77 counties.
Close fast and beat other buyers
Statewide Oklahoma coverage
We value the land ourselves
Sell on terms, our loan stays in place. How wraps work
Have a seller-financed land deal in Oklahoma? We buy land notes throughout the Sooner 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 Oklahoma with our Damen Capital acquisition loan program. Get a written quote in 24 hours and close in as little as 7 days.
State's largest metro with rapid suburban expansion. Edmond, Norman, Yukon, and Mustang corridors drive strong demand for residential building lots.
Broken Arrow, Owasso, Bixby, and Jenks lead suburban growth. Affordable lots compared to peer metros with a diversifying economy beyond energy.
Grand Lake o' the Cherokees is Oklahoma's premier lake destination. Waterfront lots and lake-access properties attract buyers from Tulsa, Kansas City, and beyond.
Lake Texoma straddles the Texas border drawing buyers from both states. Turner Falls and the Arbuckle Mountains add recreation appeal to the region.
Oklahoma State University drives steady demand. Residential lots and rural acreage benefit from proximity to both OKC and Tulsa metros.
Ouachita Mountains and Kiamichi Country offer affordable wooded acreage. Hunting land, cabin sites, and Broken Bow Lake waterfront are in high demand.
Wide-open ranch and farmland at some of the lowest per-acre prices in the state. Cattle operations, wind energy leases, and hunting properties.
Arkansas River valley with affordable acreage. Lake Tenkiller waterfront and Illinois River corridor properties draw recreation buyers.
| Term | Damen Capital |
|---|---|
| Rate | 16% interest only |
| Loan size and term | $30,000 to $1,000,000, 24 months |
| How much we lend | Up to 65% of value (our own valuation, not an appraisal; closer to 50% of value in slower markets), never more than 80% of the price |
| Down payment | About 20% on a good buy |
| Costs | $600 closing fee, 2% exit fee at payoff, 5 month minimum interest, no points |
| Closing | No appraisal, close in as little as 7 days |
Business purpose loans to LLCs and corporations on vacant land of 2 acres or more. See your numbers in the instant loan quote.
Oklahoma 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: building lots on the edges of the Oklahoma City metro in Canadian, Cleveland, Logan, and Grady Counties, Tulsa area land in Wagoner, Rogers, and Creek, lake lots around Grand Lake in Delaware and Mayes, Lake Texoma land in Bryan and Marshall, and wooded acreage in southeast Oklahoma in LeFlore, McCurtain, and Pushmataha.
We’ve closed 19 land loans across 14 Oklahoma 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. Around the lakes, check the flood zone and any shoreline rules before you price the resale. In the southeast, check road access, since logging roads are not always legal access. Many Oklahoma land buyers pay with owner financing, and we buy those notes too, so one lender can fund your purchase and buy the note when you resell. On a mortgage with a power of sale, Oklahoma allows foreclosure outside of court unless the borrower elected judicial foreclosure in writing.
We do not have an Oklahoma case study to show yet, so here is a real one from Florida. A borrower bought 5 acres for $72,000, brought 20% down, and we funded $57,600 at 16% interest only. It closed in 7 days with no appraisal, sold 6 months later, and the money cost $6,510 in total. See the Florida case study, or all of our case studies.
Our Oklahoma land loan rate is 16% interest only, with no points at closing. The rate is the same in every county. Here is what the money costs if you sell and pay us off in 6 months:
| Cost | $60,000 loan at 16% | $150,000 loan at 16% |
|---|---|---|
| Interest, 6 months | $4,800 | $12,000 |
| Closing fee | $600 | $600 |
| Servicing, $25 a month | $150 | $150 |
| 2% exit fee at payoff | $1,200 | $3,000 |
| Total | $6,750 | $15,750 |
Interest has a 5 month minimum, so paying off sooner than 5 months still costs 5 months of interest. Run your own numbers with the instant loan quote.
Yes, on lots of 2 acres or more, such as acreage lots on the edges of Oklahoma City, Edmond, Norman, Broken Arrow, and Owasso. We do not lend on city lots under 2 acres, and we do not fund the house. Our lot loans are for investors buying land to resell, split, or hold, with 20% down and up to 65% of value.
Yes, as a short term bridge loan that closes in as little as 7 days with no appraisal. It fits wheat ground, pasture, and ranch land in western and north central Oklahoma when an auction, an estate, or a neighbor's sale will not wait for Farm Credit. You close with us, then refinance into long term ag credit. Interest can come from a reserve funded at closing or annual payments timed to harvest. See farmland bridge loans.
Yes. Damen Capital provides private land loans throughout Oklahoma. 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 Oklahoma at 80-90% of the current balance. No seasoning required.
As little as 7 days through an Oklahoma title company. 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.
Yes. Sell the parcel on terms, then sell us the note for 80 to 90% of the balance. We buy promissory notes with a $25,000 minimum balance and a $50,000 minimum property value. We do not buy land contracts.
Yes. We are a direct hard money and private money lender for vacant land in Oklahoma. 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 Sooner State, we'll give you a clear quote within 24 hours.
Sold Oklahoma 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 →