Land Acquisition and Development Financing
For land bankers, land planners, land developers, and home builders in residential and commercial.
Financing for residential and commercial land acquisition, planning, and development
Find land, confirm appropriate zoning and entitlement or determine highest and best use, establish design and development costs, plan your timeline and exit strategy, negotiate purchase terms, get plans started, and submit for financing with Silverton Capital. We are here to help you with the whole process.
Disclaimer: All loan terms require underwriting and credit approval. The terms listed above are meant to provide an approximate idea of potential terms.
How land development financing works
1. Find your land
Identify a parcel with potential. Raw acreage, an underutilized lot, or land in the path of development. Research the market, understand nearby comps, and start thinking about highest and best use before you make an offer.
2. Confirm zoning and entitlement
Before you finance, know what you're buying. Confirm current zoning, identify any entitlement requirements, and determine what approvals will be needed to execute your plan. If entitlement is part of the scope, factor that timeline into your deal structure.
3. Build your budget and timeline
Estimate your full development costs. Acquisition, soft costs, infrastructure, and any site work. Map out your timeline from closing to exit so we can structure a loan term that fits the project, not just the purchase.
4. Plan your exit
Know how you're getting out before you get in. Whether you're selling entitled lots, transitioning to a construction loan, or holding for long-term development, your exit strategy drives the loan structure. We'll help you think it through.
5. Negotiate your purchase
With your financing plan in place, negotiate from a position of confidence. Knowing your numbers, budget, terms, and timeline makes you a stronger buyer at the table.
6. Submit for financing
Apply with Silverton Capital. You'll need a survey, appraisal, and proof of zoning and entitlement. We review your deal, underwrite quickly, and issue terms. In-house appraisals are accepted in qualifying scenarios.
7. Close and get moving
Once approved, close your loan and get to work. Draw funds as your project hits milestones and stay in touch with our team throughout, we're here for the whole process, not just the closing.
11.99%
Starting rates for interest-only payments
Loan amounts
Loan term (deal dependent)
Loan-to-cost
Loan-to-value
Origination fee
(deal dependent)
*Survey, appraisal, and proof of zoning and entitlement required
*In-house appraisal acceptable depending on location and size (deal dependent)
Who Can Apply for Land Development Financing?
Silverton Capital’s land development financing is designed for builders, developers, and investors across Texas who need flexible capital to prepare land for residential construction. You may qualify if you:
- Are acquiring land for residential development or subdivision projects
- Have raw land or entitled land under contract or already owned
- Can provide preliminary development plans, engineering, or site layouts
- Have a projected development budget and timeline
- Are building through an LLC or development entity (preferred) or as an individual
- Are an experienced developer or a first-time developer working with a strong team
- Are a broker representing a builder or developer client — brokers are welcome
We finance land acquisition and horizontal development projects across major Texas markets, including Dallas–Fort Worth, Houston, Austin, and San Antonio.
Land Development Financing in Texas
Silverton Capital provides land development loans across Texas for investors and developers preparing land for residential construction. Our financing helps cover costs associated with land acquisition, site preparation, infrastructure, and horizontal improvements so developers can move projects forward efficiently.
We work with developers on projects including:
- Single-family lot developments
- Small residential subdivisions
- Lot development for spec home builders
- Land entitlement and preparation for vertical construction
Because our loans are asset-based, approvals focus on the value of the land, development plan, and exit strategy, rather than traditional income documentation. Our team understands the timelines and complexity involved in preparing land for construction and works to provide fast, flexible financing solutions that help developers keep projects moving.
Whether you're developing a few residential lots or preparing land for a larger community, Silverton Capital offers Texas land development financing designed to support experienced builders, investors, and emerging developers across the state.
Apply now, and let’s get moving.
We love working with investors and developers who see potential in blighted homes and undeveloped land. If you have a project and are ready to boost property values and transform communities, let's connect.
