Financing for builders buying residential lots with a plan to build. Fund the lot now, then roll into a construction loan when permits are ready.
We match the lot and your timeline to the right structure: a stand-alone lot loan, a bridge to construction, or a single loan that covers the lot and the build.
Finished lots with utilities and road access.
Lots with building permits issued or in process.
Vacant or tear-down lots in established neighborhoods.
Lots zoned for single-family, townhome or small multi-unit homes.
Buy now and close the construction loan once plans and permits are ready.
All-in-one financing for experienced builders, from land and development to homes.
The best terms available across our lending partners. Leverage is highest when the lot is financed together with the build.
Share the address, purchase price, zoning and your build plan. We confirm which lenders cover that market.
Close with a lot loan or bridge, or with a construction loan that already includes the lot.
Once permits are issued, roll into construction financing and start drawing for the build.
Lenders lend more on a lot when it is part of a construction loan than when it is financed on its own.
Plus closing costs. Construction costs are financed separately in draws. Leverage varies by lender, market and experience.
Lot programs focus on developed or permitted residential lots. Raw land that still needs development fits all-in-one land and development facilities, which are for experienced builders.
If permits are close, financing the lot inside a new construction loan usually means more leverage and one closing. A stand-alone lot loan or bridge works when you need to buy before plans are ready.
Lot and bridge loans typically run 6 to 12 months, which gives time to finish plans and pull permits.
Builders with a pipeline should look at construction lines of credit, which can cover lots and homes under one limit.
No. Lot loans are business-purpose financing for builders and investors only.
Send us the details. We'll line up the lot loan and the construction loan that follows.
Terms shown are the best available across Capital Lending Group's lending partners as of October 2026 and change without notice. Not every borrower or property qualifies for every term. Leverage, terms, markets and eligibility vary by lender, location, experience, credit profile and state. Business-purpose financing only. All loans are subject to lender review and approval.
Disclosure: Capital Lending Group, LLC is a loan broker, not the lender. We specialize in assisting businesses with the loan application process by connecting you with lenders who may provide financing. While we offer guidance and support throughout the application process, Capital Lending Group, LLC is not the lender and does not provide funding directly. Loan applications are subject to lender review and approval. Offerings and eligibility requirements vary by lender.
