Flexible Capital for Buildable Lots, Entitled Parcels, and Infill Opportunities

Fast, flexible capital to help you secure land—before someone else does.

Why Choose Blue Dot for Lot & Land Loans?

Loan Program Highlights

Loan Amount

$100K – $2.5M+

Interest Rate

10.5% – 12.5% (interest-only)

Term Length

6–12 months (extensions available)

Leverage

Up to 65% of current land value

Collateral

Infill lots, entitled parcels, raw land

Use of Funds

Purchase, refinance, or cash-out

Lien Position

First-position only

Prepayment Penalty

None

Ideal Use Cases

Who We Lend To

Sample Deal Scenario

Property Type

Entitled 4-lot subdivision

Purchase Price

$480,000

As-Is Land Value

$500,000

Loan Amount

$325,000 (65% of land value)

Loan Term

9 months

How It Works

01

Submit Your Deal

Send us the purchase contract, parcel data, comps, and exit strategy.

02

Receive Your Terms

Get a proposal in 24–48 hours—underwritten in-house.

03

Close Fast

Land loans typically close in 7–15 business days.

04

Hold, Refinance, or Build

Transition to construction, sell, or refinance—no penalty for early exit.

Secure Your Site with Confidence

Whether youre assembling parcels, acquiring entitled lots, or positioning for development, Blue Dot provides fast, flexible land financing to keep you moving.