Premier Land Loan

Shop Commercial Mortgage (SCM) is Florida’s premier private and hard money land loan source. There are few commercial lenders who want to deal with land loans, but SCM can quickly and conveniently close your loan for commercial, rural, development, waterfront, and downtown commercial land. This is our specialty and we make private or hard money land loans easy for you. Our investors will typically loan 50-55% of the land’s value if you have a free and clear property with no mortgage or other encumbrances. Most loans can be closed within 30 days. Here are some specifics on our premier land loan program:
  • Waterfront land to 50% LTV
  • Commercial downtown land to 55% LTV
  • Land developments where you want to pull cash out to start building
  • Rural tree farms of 100-200 acres
  • Farmland of 100 acres or more
  • Horse farms of 100-200 acres or more
  • Strip center development with free and clear land ownership
  • Upscale residential land of an acre or more in high-end developments
  • Lakefront and riverfront properties

At SCM we have closed thousands of waterfront and beachfront land loans, and we can usually get you an approval in 36 hours or less. Our investors will inspect your property within a week and we can get your money in record time if no liens are found. You will also save thousands of dollars because we don’t charge you for appraisals or upfront fees. Once our investors inspect and evaluate your property, you can expect your loan to close within 14 days. SCM offers you timely responses, competitive rates, flexible underwriting that makes sense, and a streamlined loan process.



  • To summarize our premier land loan program:
  • Land loans $50K and up
  • We can finance all land types in Florida
  • We check your income with bank statements
  • Our interest rates are 10-12%
  • LTVs 50-55%

Shop Commercial Mortgage has over 200 accumulated years of underwriting experience. We are experts in dealing with land loans. Our underwriters and our investor network know Florida and the real estate market here, so don’t deal with an outside investor who does not know the local market. For more information on our land loan programs call or text Shop Commercial Mortgage at 813-368-9919.

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