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.
We value land for what it is today.
Current use, not future potential. If a parcel is worth $90,000 as it sits, that is the number we lend against, even when it would be worth three times that split into six lots with utilities run to them. Your plan might be exactly right, and the value that plan creates still belongs to you rather than to our loan amount.
That single rule is the difference between a land loan that closes and a land offer that falls apart. Plenty of lenders will quote you off a projected, fully developed value and then re-trade you at the closing table once an appraiser disagrees. We would rather tell you the real number on day one.
Expect to bring more equity than on a house. Land is the hardest collateral to move if a deal goes sideways: there is no rent, no tenant and a slower buyer pool. The pricing does not change, three points and 12% interest, but the cash you bring to a land deal is higher than on a fix and flip. Send us the parcel and we will give you the number quickly.
What tells us a parcel is fundable.
Survey and parcel ID
A current survey answers most of our questions at once: boundaries, acreage, easements and what is actually there.
Perc test and septic
Outside a sewer line, a parcel that will not perc will not carry a house. If you have soil results, send them. If you do not, know that it drives the value.
Access and road frontage
Deeded access on a maintained road is worth real money. A landlocked parcel or one reached by handshake easement is a different conversation.
Utilities
Water, power and sewer at the road, or the distance and cost to bring them. This is usually the biggest swing in what raw land is worth.
Zoning and current use
What the parcel is zoned and permitted for right now, and whether anything is filed or pending with the county.
Your plan and exit
Hold, split, build or resell, and roughly when. Our loan is short term, so the exit matters as much as the dirt.
Buying the lot to build on it? Close the land first, then come back for the build. We fund ground-up construction with the lot you own standing as your equity. Send us both halves →
Land loans in Tennessee, 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.