Land & Lot Development

Term
24 Months
Loan Amount
Up to $10M
LTV
Up to 65%
LTC
Up to 75%
Property Type
Entitled Residential Lots
Take-Out
Regional or National Homebuilders

Apply Now

Industry Leading Interest Rates

Loan Sizes Up to $20M

Funded Interest Reserves

No Limit on Lot Count

Our Service Area

Ground-up construction financing for residential builders in select major metropolitan markets nationwide.

FAQS

Frequently asked questions

Our marketplace reflects how we approach everything at Yorktown, with transparency, efficiency, and a focus on what actually helps your business succeed. Get answers about how our vetted network of professionals can integrate seamlessly with your projects.

Yorktown Capital is a non-bank lending firm that provides loans to real estate investors and homebuilders. We offer fast approvals, flexible terms, and asset-based lending structures.

We typically can close a loan in about 3 weeks with an engaged sponsor pending 3rd party reports and a clean title commitment

Yes, every loan we issue must be for investment purposes only, and therefore you must have a business entity to close the loan under (typically an LLC).

The draw schedule breaks the loan into installments tied to project milestones completed, like framing or electrical work. Before each draw is released, we require a third-party inspection to determine scope of work completed. Once approved, funds are typically wired within 48 hours. We do not advance funds for materials ordered, only for work completed.

Interest reserves are counted toward your total development costs in our loan structure. The interest reserves allows our borrowers to focus on building without the constraints of cash flowing monthly payments.

WHY YORKTOWN

Direct lending with dedicated support

We’ve built our approach around understanding your business and delivering financing that works seamlessly with your operations.

Our local market expertise and technology platform ensure you get fast, informed decisions from a team that truly gets what you’re building.

TESTIMONIALS

Trusted by builders nationwide

Our clients choose Yorktown because we deliver on our promises of responsive service, seamless integration, and genuine partnership.

"I have been working with Yorktown since they started doing business. They are a professional and reliable source for financial services in the real estate market."

Eduardo L.

"I have throughly enjoyed working with the Yorktown crew on our most recent project in Austin. Highly recommend this group!"

Mike S.

"Yorktown has been incredibly patient and supportive from the very beginning—long before we had a deal ready to go. It’s rare to find someone as dependable and easy to work with in this space. Yorktown has absolutely earned our trust and will continue to be our go-to contact for future deals."

Chase Z.

"It has been a great experience working with Heston, Zach, and the entire team at Yorktown Capital. True professionals who we highly recommend to anyone looking for a construction loan. We look forward to continuing to work with them on more projects here in Houston."

Houston based homebuilder

"Working with Heston and Zach at Yorktown Capital has been a great and a pleasant experience! I value the stellar communication between the team and open transparency which is vital for the pre-construction process. Looking forward to continuing working with them and what the future holds! Thanks again!"

Alioune N.

"The whole team at yorktown and Luke our loan officer were fantastic from the very start to our last yard. Exceptional communication, follow up and most importantly customer service. I recommend any builder/ sponsor/ client to get an offer proposal to get financing by this great team. Thank you Yorktown"

Rolando P.

New Construction

Ground-up construction financing for residential builders in major metros with flexible draw schedules.

Learn More

Inventory Loans

Short-term bridge capital for properties in transition or awaiting their next phase.

Learn More

Long-Term Rental

Permanent financing to acquire, refinance, or expand single-family rental portfolios.

Learn More

Fix & Flip

Quick capital for renovation projects with high LTV options and fast closings to help you compete in hot markets.

Learn More

Community Development

One-time close financing combining land, development, and vertical construction for 20+ unit projects.

Learn More