Land Loans 
(USA only)

We provide hard money loans for land and vacant property in Texas and Florida. Our land loans are ideal for property ranging from a few hundred square feet up to large acreage purchases.

NOTE: The actual interest rate may vary based on the loan selected, borrower experience, credit history, property type, location, and other factors determined by lenders. The rates advertised are not available in all states. Not all consumers will qualify for specific rates and terms offered to applicants. Rates are subject to change without notice. The lowest rate advertised should generally be considered an ideal lending scenario. The minimum period allowed for borrower repayment is six months and the maximum period of repayment is thirty years. The maximum annual percentage rate (APR) is fifteen percent. An example of the total cost of a loan: A one million dollar loan at seven percent interest-only APR, for one year, with origination fees of three percent, will cost a total of one hundred thousand dollars.

Minimum Loan Amount$2,000,000
Maximum Loan Amount$25,000,000+
Interest Rate 
10% – 14%
Exact % will be provided after  reviewing your application
Origination Fee2 to 6 Points
Term Length 12 to 36 Months
Time to Close2 to 3 Weeks 
Maximum LTV/LTC65% / 90% 
 Lien Position 1st
Recourse Flexible
Acceptable Markets AZ CO GA HI NJ NY OR TX WA and Miami, FL
 Minimum Personal FICO Score None
 Legal Fee DepositRequired 


  • Commercial Land
  • Agricultural Land
  • Residential Land
  • Industrial Land

Required Documents

  • Old Appraisal / Survey / Plat map
  • Last 2 years Personal Financial Statement
  • Last 2 years Tax Returns
  • Operating Agreement/By-Laws
  • Purchase Sales Agreement (if a purchase)
  • Hud-1 (if purchased in the last 3 years)

MG Capital Group Inc. (MGCG) is a leading provider of hard money loans for land and vacant property in Texas and Florida. Our land loans are ideal for property ranging from a few hundred square feet up to large acreage purchases. We strive to provide you the service you need, including quick closing loans on property that government-backed lenders may not be able to assist you with.

What is Land loan for raw lands?

Many banks and government-backed lenders will not lend on raw, vacant land. Or, if they do lend for this property, strict guidelines prevent most borrowers from qualifying. The good news is that it is possible to utilize hard money loans so that if you can’t qualify for a land loan through a conventional lender, you can still purchase your property. A hard money or private money loan is an asset-backed loan where a borrower can receive financing secured on real estate (including raw land.) Because hard money loans are issued by private firms, it is possible for borrowers who would not otherwise qualify for lending to get the financing they need. Most of these loans are for a period of time ranging from one to three years–long enough to build on or update the property and begin earning income from it.

Why choose us?

It can sometimes be challenging to find lenders willing to work with land-based projects. However, MG Capital Group Inc. (MGCG) is different. Land loans are one of the specialties of our firm. You will feel confident in the knowledge that our principals and executives have over 40 years of experience in real estate lending, giving us expertise in these deals. We work with borrowers nationwide and offer competitive rates for our land loans of 12 to 36 months.

We individually structure transactions to fit the specific needs of the borrower, we can offer lending options that are unique from other lenders. If you would like more information about hard money land loans or you want to talk to one of our loan experts, connect with us online or by phone at MG Capital Group Inc. (MGCG) today.


We are easy to close with.

  • Acquisitions must be in a valid, duly signed purchase sales agreement.  We are not able to review targeted deals.
  • Download our summary intake form and send it to us with the items we require, both are at the bottom of each Lending page.
  • Be available for questions regarding your loan request during our review.
  • Terms issued quickly within 24-48 hours on simple deals and 3-5 days for complex transactions.
  • A refundable expense deposit will be required for any necessary third-party reports and legal upon execution of terms.
  • We may not require an appraisal, our decision is based on several factors.
  • We typically do not require environmental reports or property condition analysis reports, unless there is a concern.
  • Closings occur quickly after execution of terms, within 2 to 3 weeks.

If you would like more information about bridge loans or you want to talk to one of our loan experts, contact us at MG Capital Group  online or by phone. We are excited to help you grow.