Capital to secure and service the land behind your next project.
Triple Queens provides private land acquisition and development financing for developers, builders, and investors across British Columbia, Alberta, Ontario, and Quebec. Land financing is short-term capital used to purchase raw, entitled, or pre-development land and to fund the site servicing that prepares it for construction. Because undeveloped land produces no income and carries more risk than a built asset, it is a specialized product most banks avoid — and one where a private lender that understands development can make the difference between securing a site and losing it.
What Is Land Acquisition & Development Financing?
Land financing covers two related needs: acquisition — the capital to buy a parcel — and development (or servicing) — the “horizontal” work such as grading, utilities, roads, and stormwater that turns raw ground into a buildable site. Lenders price land loans on the parcel’s value, its entitlement and zoning status, and a clear plan and exit. Fully entitled, serviced land supports higher leverage; raw, un-entitled land carries more risk and lower advances. Triple Queens underwrites land deals with a developer’s eye and can structure financing that carries you all the way to a construction loan.
What We Fund
- Acquisition of raw, partially entitled, or fully entitled land
- Infill lots and assembled development sites
- Site servicing and horizontal development — grading, utilities, roads
- Pre-development costs ahead of a construction loan
- Land held for commercial, industrial, multi-residential, or mixed-use development
Key Features & Terms
- Loan amounts from $2 million and up
- Terms typically 12 to 36 months, interest-only
- Loan-to-value typically up to 50–65%, depending on entitlement status and location
- Higher advances on serviced or fully entitled land
- First mortgages secured against the land
- Bridge-to-construction options for a seamless transition to building
Who Land Financing Is For
- Developers assembling or securing sites for future projects
- Investors acquiring land in the path of growth
- Builders bridging from land purchase to construction financing
- Sponsors who need to move before a competitor does
How It Works
- Submit the site — location, entitlement and zoning status, and your development plan
- Term sheet & underwriting — we assess value, zoning, servicing, and exit
- Funding — the land acquisition and/or servicing is financed
- Transition — roll into a construction loan or repay through a sale
Why Triple Queens
- Development expertise — we understand entitlement, servicing, and the path to construction
- Speed to help you secure sites on competitive timelines
- Flexibility on raw, entitled, and serviced land that banks won’t touch
- One lender, land to build — bridge-to-construction so you don’t have to re-shop the deal
“We needed to move on an assembled development parcel before a competitor did. Triple Queens funded the land acquisition quickly and later rolled us straight into construction financing.”
Michael Chen — Principal, Northpeak Developments
Calgary, AB
Frequently Asked Questions
Can I finance raw, un-entitled land?
Yes. We lend on raw, partially entitled, and fully entitled land. Raw land carries more risk and therefore lower leverage, while entitled or serviced land supports higher advances.
How much can I borrow against land?
Land loans at Triple Queens start at $2 million, with loan-to-value typically up to 50–65% depending on the parcel’s entitlement status, location, and your development plan. Serviced, fully entitled sites support the higher end of that range.
Does zoning or entitlement affect my loan?
Significantly. The further along a site is in the entitlement and zoning process, the lower the risk and the higher the leverage we can offer. We factor your approvals, or a credible path to them, into both the loan amount and the terms.
Can you fund site servicing and pre-development costs?
Yes. In addition to acquisition, we can finance horizontal development — grading, utilities, roads, stormwater — and pre-development soft costs that prepare a site for construction.
Can a land loan roll into a construction loan?
Yes. Our bridge-to-construction approach lets you finance the land now and transition into a construction facility when you are ready to build, keeping one lender from site to completion.
Why won’t my bank finance land?
Undeveloped land generates no income and is harder to value and sell than a built, leased asset, so most banks limit or avoid land lending. As a private lender with development expertise, we are able to underwrite and fund these deals.
What is a typical term for a land loan?
Land loans generally run 12 to 36 months on an interest-only basis, giving you time to advance entitlements, complete servicing, or transition into construction or a sale.
Get Started
Securing a site or planning your next development? Submit the parcel, request a term sheet, or speak with a lending advisor about land acquisition and development financing today. Contact us to apply »