Private Loans

Fast capital, fixed terms — and you keep all the upside.

What Is a Private Land Loan?

A private land loan from Valor — not a bank. That means more flexible underwriting, competitive terms, and a funding partner who actually understands vacant land.

If you need to close quickly and want to retain full ownership and upside, a private loan may be the right structure for your deal.

  • Best for: operators with capital who want to maximize upside

  • Not sure? Submit your deal — we'll advise on the best structure

The Numbers

Loan Structure & General Terms

LOAN PARAMETERS
Loan Amounts $25K – $250K
Down Payment Minimum. 10%
Maximum LTV 65%
Structure Interest-Only
Term 12-18 Months
PRICING
Interest Rate 15%-18% p.a.
Points None
Closing Costs 2% of loan amount
Monthly Servicing Fee $20
Minimum. Interest 5 Months
REQUIREMENTS
Personal Guarantee Required
Purpose Vacant land only
Prepayment No penalty
Insurance Required
Approval Deal-based, not credit 
The Process

The Loan Process

  • 01

    Submit Your Deal

    Complete the Deal Submission form with property details, purchase price, and your exit strategy.

  • 02

    Valor Reviews & Responds

    We provide an initial response within 48 hours — proposed loan terms, a request for more information, or an indication of interest.

  • 03

    Execute the Note & Security

    We execute a Promissory Note and a Mortgage or Deed of Trust granting Valor a first lien on the property as security for the loan.

  • 04

    Close the Acquisition

    Valor funds the loan through the title company. Your deal closes and you take title to the property.

  • 05

    Monthly Interest Payments

    During the loan term, you make monthly interest payments to Valor per the terms of the Promissory Note.

  • 06

    Sell & Repay

    Once the property sells, the loan and unpaid interest are repaid from the proceeds. You keep all remaining profit above the loan repayment and interest.

Ready to Close Your Next Deal?

Submit your deal today and receive an initial response within 48 hours.

Submit Your Deal
Submit Your Deal
Submit Your Deal
Submit Your Deal