Designed for regional builders to secure a pipeline of future inventory without tying up excessive working capital. This product provides the runway needed to navigate entitlement and pre-development phases.
Typical Loan Structure
Max LTV
60%
Term
Up to 24 Months plus underwritten extensions
Loan Amount
Up to $5M, higher amounts considered on a case-by-case basis
Recourse
Full recourse to the borrowing entity and related corporate entities
Exit Fee
Often waived if Cedarline provides the A&D financing
Why Choose Us
Pipeline Protection: We understand that land is your raw material. Our land loans are structured to give you the time needed to optimize entitlements without the pressure of restrictive bank covenants.
Capital Preservation: We offer higher leverage than traditional banks, allowing you to keep your equity liquid for active vertical projects.
Relationship Continuity: We don't just fund the dirt; we are built to roll this debt into A&D and Vertical phases seamlessly.
Core Markets
Washington
Idaho
Oregon
Utah
Arizona
Who We Lend to
Tier I Builders: Large, scaled regional production builders or regional divisions of national builders typically managing 100+ units per year across multi-phase subdivisions.
Tier II Builders: Strong local builders completing multiple infill or small subdivision projects per year, typically with 10+ vertical starts annually.
Sponsorship: Developers with 5+ years of relevant experience and established track records.
Who Don't Lend to
Consumer/Retail Borrowers: We only lend to entities (LLCs, Corporations, etc.) for commercial business purposes.
Sole Proprietorships: Non-entity borrowers are generally outside our lending scope.
“Cedarline made the financing process seamless. Their team truly understands what builders need to stay on schedule."
– [Customer Name], Developer
Ready to Build Your Next Project?
Our team is here to help. Contact Cedarline Lending today to discuss your financing needs and take the next step toward success
