Land Development Financing Programs
Land development financing requires specialized loan structures that differ significantly from acquisition or construction lending. Our programs are designed to address the distinct phases of land development, from raw land acquisition through entitlement completion and infrastructure installation. We provide funding for projects ranging from small residential subdivisions to large-scale mixed-use developments throughout Palm Beach County.
Our acquisition financing for development land provides the capital necessary to secure control of desirable parcels before competition drives prices higher. Unlike traditional lenders who may require detailed development plans and approved entitlements before considering land loans, we can fund based on site potential, market conditions, and your development track record. This flexibility allows you to secure strategic land positions and then pursue entitlements with the confidence of established ownership.
For entitled land ready for infrastructure development, we offer acquisition and development (A&D) loans that combine land payoff with funding for roads, utilities, stormwater management, and other site improvements. These loans bridge the gap between raw land acquisition and construction financing, funding the critical work that transforms undeveloped parcels into building-ready sites. Our draw-based disbursement system releases funds as infrastructure milestones are completed, ensuring proper capital deployment throughout the development process.
- Raw land acquisition financing up to 60% of purchase price
- Acquisition and development (A&D) loans for entitled projects
- Milestone-based draw systems for infrastructure funding
Entitlement and Pre-Development Support
The entitlement process transforms raw land into development-ready property through zoning approvals, permits, environmental clearances, and regulatory compliance. This phase requires significant investment in professional services, application fees, and carrying costs while generating no revenue. Our hard money loans can include funding for entitlement work, allowing you to pursue approvals without draining personal capital or seeking expensive equity partners.
We understand the entitlement landscape in Palm Beach County municipalities and can structure loans with terms that accommodate typical approval timelines. Zoning changes, comprehensive plan amendments, and development orders often require 6-18 months or longer to secure. Our loan terms provide the runway necessary to complete these processes without pressure from short maturity dates. We work with experienced land use attorneys and planning consultants who can navigate complex regulatory environments efficiently.
The pre-development phase also includes site engineering, environmental assessments, soil testing, and infrastructure design. These professional services represent substantial investments that must be funded before construction financing becomes available. Our land development loans can include allocations for these necessary expenses, ensuring your project advances through the preparatory stages without financial constraints. We review your pre-development budgets carefully to ensure adequate funding for comprehensive site preparation.
- Funding for entitlement expenses and professional services
- Loan terms accommodating extended approval timelines
- Support for site engineering and environmental assessments
Infrastructure and Site Improvement Funding
Infrastructure installation represents a major capital requirement in land development, transforming entitled land into building-ready sites with roads, utilities, and common improvements. Our development loans fund these essential site improvements through structured draw schedules tied to construction milestones. This approach ensures adequate capital availability while maintaining appropriate oversight of fund disbursement.
We finance comprehensive infrastructure packages including road construction, water and sewer line installation, stormwater management systems, utility extensions, and landscaping for common areas. For larger developments, we can structure phase-specific financing that matches funding to development stages, reducing interest costs and aligning capital deployment with lot sales or building construction schedules.
The infrastructure phase bridges land acquisition and vertical construction, positioning your development for homebuilder interest or direct construction activity. Our lending team understands the relationship between infrastructure completion and lot value appreciation, structuring loans that capture this value creation while providing the capital necessary to achieve build-ready status. We coordinate with civil engineers and contractors to establish appropriate draw milestones and verify work completion before fund release.
- Comprehensive infrastructure financing including roads and utilities
- Phased funding structures for large-scale developments
- Draw systems tied to construction milestone completion