Land Development
Loans
Typical Terms
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- Up to 50% of the as-is land value
- Loan amounts up to $2-3 million
- 12% interest rate
- 3-4% origination fee ($3,500 minimum)
- $995-$1,495 admin fee
- 12 to 18-month term with flexible extensions available
Process and Execution
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- No junk fees
- Appraisal waiver may be available
- Loan decisions as quick as 2 business days
- Extension fees: 0.50% if deferred or 0.40% if paid when extending
- Financing interest reserves may be available (subject to LTV/LTC)
Typical Terms
-
- Up to 50% of the as-is land value
- Loan amounts up to $2-3 million
- 12% interest rate
- 3-4% origination fee ($3,500 minimum)
- $995-$1,495 admin fee
- 12 to 18-month term with flexible extensions available
Process and Execution
-
- No junk fees
- Appraisal waiver may be available
- Loan decisions as quick as 2 business days
- Extension fees: 0.50% if deferred or 0.40% if paid when extending
- Financing interest reserves may be available (subject to LTV/LTC)
Land Development Loan Underwriting at Cetan Funds
Our underwriting process for land development loans is designed to be practical, risk-focused, and centered on collateral quality, entitlement progress, feasibility, and exit strategy.
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- Borrower info: background, experience, track record, etc.
- Property details: description, pictures, purchase contract, etc.
- Project details: plans, budgets, timelines, exit strategy, etc.
- Personal Financial Snapshot form
- Real Estate Schedule, if applicable
- 2 years of personal tax returns
- 2 years of business tax returns, if applicable
- 3 months of recent bank statements
- Credit check, minimum 540 FICO (waiver may be available)
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Recently Funded Land Development Projects
Short-term Financing for Land Development
Land development loans for residential and commercial projects
Land acquisition, entitlement work, and horizontal development are capital-intensive stages of real estate development. Securing financing for these phases can be challenging, particularly when traditional lenders are unwilling to fund raw land or early-stage development.
Cetan Funds provides short-term, real estate-secured land acquisition and development loans for bare land and early development projects. These loans are commonly used to acquire land, pursue zoning or entitlement approvals, complete subdivisions, install infrastructure, or reposition land for sale or future construction.
Borrowers work with us on a wide range of land development scenarios, including residential subdivisions, multifamily projects, cluster developments, infrastructure improvements, and land held for future vertical construction. In some cases, borrowers sell the land once approvals are in place. In others, the loan may be rolled into a construction loan to take the project vertical.
With more than 60 years of combined experience in real estate lending and development, our team understands the risks, timelines, and complexities involved in land development. We are always open to discussing whether a land acquisition or development loan is an appropriate fit for your project.
Are you looking for a short-term land acquisition and development loan or a bare land bridge loan?
Bare Land Bridge Loans
Short-term financing for land without finalized development plans
There are many situations where investors and developers need financing for bare land, even when development plans are not yet finalized. This may include acquiring land in a growing market, holding land for future development, leveraging existing land equity, or repositioning a parcel ahead of entitlements or subdivision.
Cetan Funds provides short-term bare land acquisition loans and cash-out refinance loans secured by land. These loans are commonly used by developers, builders, and investors who need fast access to capital for land purchases or to unlock equity tied up in land assets.
When land is acquired with Cetan Funds financing, we are often able to consult with borrowers on future development or construction financing options as the project progresses.
Do you want to work with Cetan Funds on your upcoming project?
Land Development with Cetan Funds
In-house capital and hands-on execution
Cetan Funds is a direct private lender using in-house private equity capital from accredited investors. All loans are funded from pooled capital and held in our portfolio. We do not broker or sell our loans after funding, and borrowers work directly with our team throughout the life of the loan.
Because we control our capital and underwriting decisions internally, we are able to provide fast, flexible land acquisition and development financing. Underwriting decisions are typically made within 2 business days, and funding can occur as quickly as 7 days, depending on project readiness.
Our involvement does not end at closing. We remain engaged throughout the loan term, working with borrowers as entitlement progress, development plans evolve, or market conditions change. Many land development borrowers return to Cetan Funds for subsequent projects due to our collaborative, transparent approach.
We view land development lending as a relationship, not a transaction. Our goal is to support successful outcomes and long-term partnerships as borrowers move projects from acquisition through development and beyond.
Are You Looking for Land Development Financing?
If you are seeking short-term financing for land acquisition, entitlements, or development, Cetan Funds may be a strong fit.
Contact us to discuss your project, timeline, and financing needs.
CONTACT US
Start your inquiry by filling out our contact form or call us directly at (458) 215-3200.