Vacant Land Loans for Raw Acreage, Entitled Parcels & Finished Lots
Buy the Land Now. Build When You're Ready.
Land loans from $50,000 to $2,000,000 for raw acreage, entitled parcels and finished lots. Up to 65% LTV, interest-only terms up to 36 months.
Apply Now ▸Why LOANKWEST Land
Most banks won't touch dirt. Our lenders will.
Land doesn't produce rent, so banks pass. Our network includes lenders who understand land as the first step of a project, and who price it that way.
Raw Land to Finished Lots
Unimproved acreage, entitled parcels and shovel-ready lots.
Fund While You Entitle
Carry the land through zoning, plats and permits without draining your cash.
A Path to Construction
When you're ready to build, we line up the construction loan and use your land equity toward it.
Interest-Only Payments
Keep carrying costs predictable while the land isn't producing income.
Cash-Out on Land You Own
Pull equity from land you own free and clear to fund the next project.
One Application, Many Lenders
We're a broker, not a single lender. We present your deal across our lender network and bring you the best fit.
How it works
From parcel to funded in about two weeks.
Send the Parcel
Location, acreage, zoning and your plan. No credit pull to apply.
We Present It
An advisor matches the land and the plan with lenders who fund that stage.
Get Your Term Sheet
Compare leverage, rate, term and extension options.
Close
Valuation, title, survey review and closing, typically in about 14 days.
Program at-a-glance
The fine print, up front.
Representative terms across our lender network. Final terms are set by the lender you choose.
- Loan amount
- $50,000 – $2,000,000
- Loan purpose
- Purchase, refinance, cash-out, entitlement carry
- Max LTV
- 50% raw · 60% entitled · 65% finished lots
- Rates
- About 10% – 13%, interest-only
- Term
- 12 – 36 months, extensions available
- Points
- 2 – 3 points
- Credit minimum
- 660 FICO
- Land types
- Residential, commercial and mixed-use parcels
- Valuation
- Appraisal with land comparables
- Vesting
- LLC or corporation, with personal guarantee
- Exit
- Construction loan, sale, or refinance
- Closing
- Typically about 14 days
FAQ
Common questions
FAQ
Common questions
Why is land leverage lower than for a house?
Land doesn't generate income and is harder to value and sell, so lenders protect themselves with lower LTVs. The further along the land is (entitled, utilities in, lots platted), the higher the leverage.
Can I finance land I plan to build on later?
Yes. That's the most common use. When you're ready to build, we can arrange a construction loan and your land equity can count toward the down payment.
Do you finance agricultural land?
Investment and development land, yes. Working farms and ranches usually need an agricultural lender; we'll point you in the right direction.
What documents will the lender want?
Purchase contract or deed, survey, zoning information, and your plan for the land. Entitled parcels add plats and approvals.
Is there a prepayment penalty?
Usually none or a short minimum interest period. It's shown on every term sheet.
Can I get cash out of land I already own?
Yes, up to the LTV cap for its stage, minus any existing liens.
Do utilities and road access matter?
A lot. Parcels with road frontage and utilities at the lot line get better leverage and pricing.
Found the parcel? Get land terms today.
No credit pull to apply. No commitment. One application, many lenders.
Apply Now ▸Partner program
Land Agents & Developers: Get Your Buyers Financed.
Land deals stall when buyers can't find financing. Send them to LOANKWEST and we'll find the lender that funds that parcel.
Partner inquiries: loans@seqlending.com- Get credit on every funded loan you refer
- Keep investor clients from shopping you to a competitor
- One intake, dozens of lenders behind it
- Your name on the application via the referral field