Private land loans and note purchasing throughout Tennessee — Nashville metro, Smoky Mountains, Chattanooga, Memphis, and all 95 counties. 7-day closings, no appraisal required, direct funding.
Tennessee is one of the most active land markets in the Southeast. Nashville's growth has pushed buyer demand into surrounding counties, and East Tennessee recreational land continues to attract investors from across the region. Banks still won't touch most of it.
Close fast and beat other buyers
Statewide Tennessee coverage
We value the land ourselves
Sell on terms, our loan stays in place. How wraps work
We provide private land loans throughout Tennessee for investors who need to close fast. Nashville metro development land, Smoky Mountain recreational acreage, Cumberland Plateau tracts, agricultural parcels in West Tennessee — we underwrite based on the property, not your tax returns.
If you've sold Tennessee land with seller financing, we'll buy your promissory note at closing for 80–90% of the current balance. You get cash now instead of waiting years for monthly payments. We handle all collections going forward. No seasoning required.
One of America's fastest-growing metros. Explosive demand for residential development land in surrounding counties. Williamson County among the state's most desirable.
Tourism-driven market near Great Smoky Mountains National Park. Strong demand for cabin sites, mountain properties, and vacation rental land.
Growing metro with strong outdoor recreation appeal. Demand for mountain and valley properties. Signal Mountain and Lookout Mountain areas command premiums.
Scenic plateau region with recreational land, hunting properties, and rural acreage. Cookeville area growing steadily.
University town with steady growth. Strong demand for suburban lots and lake properties near Norris Lake, Watts Bar, and Fort Loudoun.
Affordable rural acreage with rolling hills and creeks. Growing interest from Nashville buyers seeking land within commuting distance.
Nashville has been one of the fastest-growing metros in the country for over a decade, and that growth has pushed land demand well beyond Davidson County. Investors are buying parcels in Williamson, Rutherford, Wilson, Cheatham, and Robertson counties as suburban expansion continues to move outward. Conventional banks rarely lend on raw acreage in any of these markets regardless of how strong the growth fundamentals are.
Our land loans close in as little as 7 days anywhere in the Nashville metro and surrounding counties. We don't require appraisals, don't need to see your tax returns, and underwrite the deal based on the land itself. If you have a parcel under contract and need to move fast, submit your deal and we'll have a quote back to you within 24 hours.
We also purchase seller-financed land notes originated in the Nashville area. If you sold Tennessee land on installment terms and want to cash out now instead of waiting years for payments, we'll buy your promissory note at closing.
We lend on vacant land that an investor or business buys to resell, hold, or split, in all 95 Tennessee counties. The deals we see most: land in the ring around Nashville in Williamson, Rutherford, Wilson, Sumner, Cheatham, and Robertson Counties; rural Middle Tennessee acreage in Coffee, Warren, DeKalb, and Cannon Counties; Cumberland Plateau hunting and recreational tracts in Cumberland, Fentress, White, and Van Buren Counties; and mountain land near the Smokies in Sevier, Blount, Cocke, and Monroe Counties.
We’ve closed 47 land loans across 29 Tennessee counties. See every one on our Where We Lend map.
Loans run $30,000 to $1,000,000 at 14% on loans of $100,000 and up, 16% under, interest only for 24 months. Our standard is 50% of the land's conservative as is value, up to 65% when the value and resale speed support it, and never more than 80% of the price. On a deal bought well under value that means as little as 20% down, and 0% down if you pledge one other property you own free and clear as cross collateral. There is no appraisal. We underwrite from the contract price, recent sold comps in the county, legal access, and how fast similar parcels have sold. If the numbers work, you get a written quote in 24 hours and close in as little as 7 days through a Tennessee title company.
The parcel needs to be at least 2 acres with deeded or recorded access. On splits and on notes under 10 acres, we also need a perc test showing a conventional septic system will work.
An investor bought 18 acres in Tennessee for $112,000 with $22,400 down. We funded $89,600 at 14% interest only and closed in 7 days. He split the tract into three lots and sold each one with seller financing over 11 months, which paid off our loan and left him with three notes. Total cost of the money, including interest, the $600 closing cost, the 2% exit fee, and $25 a month servicing, was $14,162.
Read the full Tennessee loan case study →
On the note side, a Tennessee seller sold 5.9 acres for $65,000 with 31% down. We bought the $45,000 note at closing, and the seller collected $51,371 in cash, 79% of the sale price. See the Tennessee note case study →
A few Tennessee rules change how a deal closes and what we look at before we fund.
Tennessee land closes through a title company, which runs title, issues the title policies, and disburses the money. We send our loan documents the day you accept the quote.
Tennessee uses a deed of trust, and foreclosure does not go through the courts. It usually takes 2 to 3 months. The catch is a 2 year right of redemption after the sale, unless the deed of trust waives it. Nearly every deed of trust does. If you resell on seller financing, make sure your deed of trust waives redemption. Without the waiver, a note buyer will pay less for the note, or pass on it.
Rock and shallow soil fail a lot of perc tests in parts of Middle and East Tennessee. A small lot that cannot get a conventional septic system is hard to resell. That is why we need a perc test on subdivide deals and note purchases under 10 acres. Get it before you set your lot prices.
A lot of rural Tennessee land sits in the greenbelt program, which lowers the property tax. If the land leaves the program or the use changes, rollback taxes for prior years can come due. Ask the county assessor before you close, and put it in your numbers.
The same loan works for more than a straight flip. These programs fit Tennessee land especially well:
Yes. We lend in all 95 Tennessee counties on vacant land of 2 acres or more with legal access. Loans are business purpose only, to an LLC or corporation.
About 7 days through a Tennessee title company. You get a written quote within 24 hours, and there is no appraisal.
As little as 20% on a deal bought under value. Our standard is 50% of conservative value, up to 65%, and never more than 80% of the price. 0% down is possible with cross collateral.
Yes, for 80 to 90% of balance, with a $50,000 minimum property value and a $25,000 minimum balance. The deed of trust should waive the 2 year right of redemption, and parcels under 10 acres need a perc test showing a conventional septic system.
Tennessee is a non judicial foreclosure state and it usually takes 2 to 3 months. There is a 2 year right of redemption after the sale unless the deed of trust waives it, and nearly every one does.
A split is a subdivision if any lot is under 5 acres or you need a new street or utilities.
Tennessee defines a subdivision as dividing land into two or more lots that need new street or utility construction, or any division of less than 5 acres. So lots of 5 acres or more on an existing road, with no new utilities, fall outside it. The planning commission approves plats, and it has 60 days to act.
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: Tenn. Code 13-3-401, 13-3-404, TDEC septic rules. General information, not legal advice.
Yes. We are a direct hard money and private money lender for vacant land in Tennessee. We fund land flips, subdivides, and land you plan to sell on terms, from $30K to $1M at 14% to 16% interest only, with 20% down, no appraisal, no points at closing, and about 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 financing a land acquisition or selling a note anywhere in Tennessee, we'll have a quote back to you within 24 hours.
Sold Tennessee 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 about 7 days.
See what your note is worth → · How note selling works · Document checklist