Financing for raw land, improved lots, ranch parcels, and development sites. Acquire now, build when ready.
Land is the foundation of every real estate investment. Whether you are assembling parcels for a subdivision, acquiring ranch acreage for agricultural operations, or purchasing a commercial development site, securing the land is often the first and most time-sensitive step in a deal.
Traditional banks are notoriously cautious with land lending. Many will not finance raw land at all, and those that do often require extensive documentation, long approval timelines, and low leverage. This creates a gap for investors and developers who need to move quickly on land opportunities.
Renegade Capital fills this gap with land loans designed for Montana's unique market. From the Gallatin Valley to the Hi-Line, from timber country to irrigated farmland, we evaluate each parcel on its merits — location, access, utilities, development potential, and your business plan. Our local underwriting means we understand the factors that drive Montana land values.
We finance everything from undeveloped acreage and agricultural parcels to platted subdivision lots and development-ready sites across Montana.
Whether you are acquiring land for future development, holding for appreciation, or purchasing agricultural acreage for a business operation, we structure loans to fit your plan.
Unlike bank construction loans that require you to break ground immediately, our land loans allow you to acquire and hold while you finalize permits, plans, or market timing.
Land deals often move quickly — especially auctions, tax sales, and off-market opportunities. We can fund land acquisitions in as few as 7 to 10 business days.
Land loans are asset-based and require a clear understanding of the property and your intended use. General guidelines include:
Provide the property details, purchase price, intended use, and your exit strategy. We respond within 24 hours.
We review the parcel, comparable sales, access, utilities, and development potential. Term sheets typically issued within 3 to 5 days.
We coordinate title, survey (if needed), and appraisal. Most land loans close within 10 to 21 business days.
We finance raw undeveloped land, platted subdivision lots, agricultural and ranch parcels, commercial development sites, and entitled land ready for construction. The land must be in Montana and the loan must be for a business or investment purpose. We do not finance land purchases for personal primary residence construction.
Land is inherently more illiquid than improved real estate. It generates no income, has fewer comparable sales for valuation, and can take longer to sell. The lower LTV (typically 50% for raw land) protects both the lender and the borrower by ensuring a significant equity cushion. Improved lots with utilities, roads, and entitlements qualify for higher leverage because they are closer to a buildable or saleable state.
Yes. We finance ranch and agricultural land acquisitions for business purposes. This includes working ranches, timber land, and agricultural parcels. The loan is secured by the land itself. If there are improvements on the property (barns, wells, fencing), they can contribute to the overall collateral value.
Land loan rates typically range from 10% to 14% depending on land type (raw vs. improved), LTV, location, and exit strategy. Rates are calculated on an Actual/360 day count basis. Improved lots in established markets generally receive better pricing than remote raw acreage. Contact us for a specific rate quote.
Yes. Many borrowers acquire land first and then transition to a construction loan when they are ready to build. If you finance the land through Renegade Capital, we can structure the future construction loan to pay off the land note and fund the build in a single transaction, simplifying the process and reducing closing costs.
Do not let a land opportunity slip away because of slow bank financing. Tell us about the property and we will move fast to get you to closing.