AP Capital Financial provides loans on raw land . Undeveloped Land Loans, in major metropolitan areas city limits. Land loans (A-D credit, bankruptcies and foreclosures), $50K-$50M , higher amounts may be considered up to 80% LTV. 2-5 year balloon and private money rates/terms. We offer several different creative, short-term financing options for real estate investors, builders, operators and developers. We lend nationwide and specialize in construction and development loans. Max LTV is 80%. Average loan size is between $100K-$2M.
Lending Territory: NATIONWIDE.

Flexibility: Understanding that not all borrowers and properties are alike, the structure of your land loan financing is very important unique.

Purchase - Refinance - Cash out: It may sound trivial but, the type of transaction makes a huge difference as to the rate and terms, if offered, of the land loan.

Borrower Types
• Individual

• Trust and Estate

• LLC, Corporations, and

• Foreign Nationals

 Raw Land Lending Program
Purchase - Refinance - Cash Out:

Loan To Value (LTV) 50%-80%
Fixed Interest Rate 10.5%-18%
Term 6-12 Months
Full Amortization 360/360 P/I
Interest-Only mortgage Monthly payments
Type 1-4 units, Condo, SFR, Town-homes
Fixed Term 60 Months
Finance Amount Min $50,000 - 50M
Loan Fee 2%
Asset and Borrower Based Lending Appraisal and Real Estate Asset
Down Payment 20%-50%
Basis for Loan Approval Income, tax returns, financials, real estate assets, Proof of Funds Down Pmt
Option to Extend Term Interest Rate increases
FICO No Set Minimum
Prepayment Penalty Prepay 12 months - 24 months
Programs with alternative credit:
Foreclosures, NODs, Bankruptcy, and Bad Credit
Foreign national ITIN Number-Individual Taxpayer

Call today for your Loan Application or click here for the qualification form.


All Pricing offered Loan Programs are subject to change without previous notice APC reserves the rights to amend rates & guidelines these rates and matrix are only a guide. Due to the complex nature of Residential and Commercial Private lending there are some times when we must deviate from stated pricing and LTV’s

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