Hard Money Land Loans in Tennessee
Financing for vacant and investment land when conventional lenders say no.
Or call us direct — (615) 989-0020
Banks are notoriously reluctant to lend on raw and vacant land.
That leaves investors with real opportunities and no easy way to fund them. Scale Private Capital lends on land across Tennessee — asset-based, decided quickly, structured around your plan for the property.
Whether you're holding for appreciation, assembling a parcel, or preparing to build, we can fund the deal when a bank won't.
Planning to build on it? See construction loans.
Land we lend on
Vacant & raw land
Asset-based financing for undeveloped land held for investment or future use.
Land for development
Capital to acquire land you intend to develop or build on, with a clear path to your next phase.
Lot acquisition
Financing to secure lots for investment or construction.
Built with us before? Ask about the Scale Program — earned benefits for repeat borrowers.
Answered.
Why won't banks lend on vacant land?
Raw land has no income and no structure to appraise against, so it falls outside most conventional lending boxes. We underwrite the asset and your plan for it instead, which is why we can fund deals a bank declines.
How fast can you close?
Most deals fund in about nine days from the day you send us the property, and you'll usually have a term sheet within a day. We're a direct lender, so there's no loan committee sitting between you and an answer.
What credit score do I need?
Hard money is asset-based, so credit matters far less than it does at a bank. We look at the deal first: the property, your budget, the after-repair value, and your exit. Your track record as an operator matters more than a score.
Are you a direct lender or a broker?
Direct. We make our own credit decisions and service our own loans, which is why you get an answer quickly and reach a real person when you need a draw or a payoff statement.