Land and lot loans
A land loan finances raw acreage, entitled parcels or finished building lots held for development or resale. Banks rarely lend on land because it produces no income. KAL Kreations arranges land and lot funding nationwide through its private lender network, from $25,000 to $100,000,000, for investment purposes only.
All loans are for real estate investment purposes only. We do not offer personal loans.
Who this is for
- Developers assembling or holding parcels through entitlement
- Builders buying finished lots ahead of a construction start
- Investors buying acreage for resale
What is needed to get a quote
- Property address
- Purchase price, current value, or both
- Loan amount requested and how it will be used
- Timeline, including any contract or auction date
- Zoning, entitlement and utility status
The process
- Submit the scenario with the property and the exit.
- KAL Kreations matches it to lenders active in that market and asset type.
- The funding lender sets terms and issues its approval.
- Documents are drawn, conditions cleared, and the loan funds.
Land and lot loans: questions
Why is land harder to finance?
Land generates no income and takes longer to sell, so most banks avoid it. Private lenders underwrite the parcel's value and the borrower's plan instead.
Do you fund unentitled raw land?
Raw land is considered. Entitlement status, access and utilities strongly influence terms.
Can land funding roll into construction?
Some lenders in our network will structure land and construction together. Send the project plan and we will tell you what is available.
Request land and lot loans
Prefer to talk? Call 415-892-0470 (landline).
All loans are for real estate investment purposes only. We do not offer personal loans.