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.
A subdivision loan is a land acquisition loan built for one specific plan: buy a larger tract, split it into smaller lots, and sell the lots one at a time. The difference from a normal land loan is the partial release. Each time you sell a lot, the lender releases that lot from the lien in exchange for an agreed paydown, so you can deliver clear title to your buyer without paying off the whole loan first.
Banks rarely offer this on raw land, and when they do it comes with an appraisal, a survey, and 60 days of underwriting. A private subdivision loan from Damen Capital Fund funds the purchase in 7 days at up to 80% of the purchase price when you record the subdivision plat at closing. If the plat is not ready, we fund 65% at closing and advance the remaining 15% the day the plat records. Up to 100% with cross-collateral, no appraisal, no profit split, and you keep every dollar of lot sale upside above the release price.
One limit worth knowing up front: we fund the land purchase only. Survey, platting, road, and utility costs are yours to cover or raise. Our subdivide cost breakdown shows what those numbers usually look like.
We are the only lender a subdivider needs from purchase to final payday. We fund the parcel acquisition in about 7 days so you can buy right. Our loans are built around partial releases, so every lot sale delivers clean title to your buyer while the loan pays down. And when you sell lots with seller financing to move them fast, we buy the notes you create, at 80 to 90% of balance, at your lot closing if you want. Buy, split, sell, convert, repeat: one lender, one phone number, the entire machine.
What subdividing really costs → · How partial releases work → · Selling lots fast with seller financing →
22 acres bought at 14% interest-only, subdivided, and sold as individual lots with seller financing. Lot sales released through partial payoffs as they closed.
18 acres split into three lots, each sold with seller financing, generating multiple notes, the full cycle on one parcel.
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 80–90% of the note balance immediately while attracting more buyers.
Loan amounts from $30,000 to $1,000,000 per project.
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 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.
A subdivision loan finances the purchase of a larger parcel that will be split into lots and sold individually. It includes partial lien releases, so each lot can be sold with clear title as you pay the loan down.
Yes. Every Damen Capital Fund subdivision loan includes a partial release schedule. When a lot sells, you pay the agreed release amount and that lot comes off the lien. The rest of the loan stays in place.
Loans run from $30,000 to $1,000,000. With the subdivision plat recorded at closing we fund up to 80% of the purchase price. Without it, 65% at closing and a 15% advance when the plat records. Up to 100% if you cross-collateralize another property you own. Interest only, 2 year term, no prepayment penalty beyond the 5 month minimum.
No. We fund the land acquisition only. Entitlement, survey, road, utility, and platting costs come from your own capital or a partner. Plan those costs before you close on the purchase.
7 days from a complete application. There is no appraisal and no bank committee. We underwrite the land value ourselves from comparable sales.
Get approved in 48 hours and close in 7 days with competitive rates designed for land investors.