The only subdivision loan built for land flippers. Finance your land subdivision project with partial lien releases, flexible repayment as lots sell, and fast 7-day closings. Subdivision loans up to $1,000,000. We can provide the acquisition financing and buy the seller financed notes at closing.
We understand the unique needs of land subdivision projects. Unlike traditional lenders, our subdivision loan program is structured specifically for subdividers with flexible terms that match your project timeline.
Release individual lots as they sell. We provide partial releases quickly so you can close deals with your buyers without delays.
Pay down the loan as you sell lots. No rigid payment schedule — structure repayment around your sales velocity.
Close in 7 days and start your subdivision project immediately. No lengthy approval processes or drawn-out underwriting.
Sell lots with owner financing and we'll buy the notes at closing. Get 80–85% of the note balance immediately while attracting more buyers.
Finance larger subdivision projects with loan amounts from $100,000 to $1,000,000.
We fund from our own account — no broker chains, no committee approvals, no surprises.
Month 3–6: Sell 3 lots @ $60,000 each = $180,000 gross. Pay $90,000 in releases. Loan balance reduced to $150,000. Profit: $90,000.
Month 7–12: Sell 4 lots @ $60,000 each = $240,000 gross. Pay $120,000 in releases. Loan balance reduced to $30,000. Profit: $120,000.
Month 13–18: Sell remaining 3 lots @ $60,000 each = $180,000 gross. Pay off remaining $30,000 balance. Profit: $150,000.
This example assumes all cash sales. If you sell with owner financing, we can buy those notes at closing for 80% (or more) of balance, accelerating your cash flow even further.
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 for qualified land subdivide acquisitions. Secure your property without large upfront costs or hidden fees.
Stay in full control of your land. Our loans never require joint ventures, equity sharing, or profit splits — only clear, borrower-friendly terms.
Damen Capital's Damen Capital vacant land acquisition loan program provides financing to $1,000,000 for land investors nationwide. Our competitive interest-only rates are 14% for loans over $100K and 16% for loans under $100K, with flexible 2-year extendable terms. We offer up to 100% financing through cross-collateralization, allowing qualified borrowers to purchase vacant land with zero down payment using additional collateral. Standard loans require just 20% down with a maximum 65% LTV. Our streamlined process delivers 7-day closings with only $600 in total closing costs and a 2% exit fee. No appraisal or survey required — just a simple application process designed for land flippers and investors. The program includes $25 monthly servicing, 5-month minimum interest, and accommodates subdivides and cash-out refinances. Personal guarantee required. Available for business and investment purposes only on residential-zoned vacant land (no commercial or industrial). We also buy seller financed land notes at closing for 80-90% of the loan balance, giving you flexible exit strategies for your land investments.
We work with land investors across the United States.
Get approved in 48 hours and close in 7 days with competitive rates designed for land investors.