A comprehensive solution to transition raw or platted land into build-ready finished lots. This facility covers horizontal infrastructure costs and site improvements.
Typical Loan Structure
Max LTV (as-completed)
75%
Term
12-24 months plus underwritten extensions
Loan Amount
Up to $30M, higher amounts considered on a case-by-case basis
Recourse
Full recourse to the borrowing entity and related corporate entities
Why Choose Us
Development Expertise: Our team speaks "construction." We understand the nuances of site work, from grading to utility hookups, and provide a draw process that matches the reality of the field.
Flexible Release Structures: We work with CFOs to structure lot releases that balance debt reduction with your need for project cash flow.
Speed to Groundbreak: Our in-house underwriting focuses on the project’s feasibility, allowing us to close A&D facilities while banks are still in committee.
Fast-Track Draws: We utilize a streamlined process for monthly disbursements based on third-party inspection verification of "percentage complete". We do our draws “in house” and do not farm you out to a third party.
Core Markets
Washington
Idaho
Oregon
Utah
Arizona
Secondary Markets
Markets in the Continental United States considered on a case-by-case basis.
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
