Lenders using AI on vacant land in Decatur, AL 2025!

Review and compare among 231 land loan lenders in Decatur, AL.

The average cost for an acre of land in AL is $26,858. The loan-to-value (LTV) for undeveloped land ranges from 16.45% to 51.34%, while for developed land, the LTV is estimated between 36.15% and 75.22%.

The true value and loan LTV of any land depend on its location, size, topography, zoning, and any entitlements associated with it.

Discover your land loan options and rates by contacting the top land loan lender in Decatur, AL.

Explore offers from 100 lenders

The Enchanting Land Loan Calculator

Through Lendersa®'s AI technology, your loan request quickly connects with hundreds of direct hard money lenders, catering to all your needs. Discover today's best land loan rates to finance any kind of vacant land or land with construction in AL.

Land Loans and Valuation

Avoid unnecessary inquiries to maintain your credit score. Preapproval for your land loan is available without requiring your social security number or other sensitive financial information.

Construction and blanket loans are essential for vacant land financing. You could qualify for 100% LTV by pledging additional property as security (blanket loan).

Discover Hard Money Lending Around You

Securing a private investor through a local hard money broker greatly enhances your chances of obtaining a loan. In Decatur, AL, land loans are best arranged through local lenders who understand the neighborhood. Proximity between the investor and the property boosts approval likelihood and speeds up the funding timeline.

Use the Lendersa® land loan calculator to find vacant land loan lenders in the zip codes 35603, 35601, 35602, 35609.



  • Cardinal Financial
  • 3701 Arco Corporate Drive, Suite 200,, Charlotte, NC, 28273
  • At Cardinal Financial, we know mortgage lending is more than just loans—it's about helping people achieve their homeownership dreams. With a focus on listening, understanding your unique story, and customizing solutions, I provide a seamless experience from start to finish. Let’s work together to find the perfect loan and make your dreams a reality
  • REI Investment Capital LLC
  • 7014 Garden Terrace Ct, Charlotte, NC, 28210
  • Easy Hard Money and Commercial Loans for investors. - Loan Types - Fix and Flips, DSCR, Portfolio, Bridge, Ground Up Construction, Multifamily bridge/value Add and Term loans and Commercial Loans. Property types - SFR, MF 1-4, MF 5+ units, Retail, Office, Strip Malls, Warehouse, Light Industrial, Mixed-use, Hospitality, Self-Storage and more.
  • Finance of America Commercial
  • 6230 Fairview Road, Suite 300, Charlotte, NC, 28210
  • Finance of America Commercial provides single and portfolio rental term loans, Bridge loans, and fix-and-flip exposure limit loans to residential real estate investors across the country, helping borrowers overcome traditional financing hurdles and build long-term wealth through real estate investment.
  • Black Swan Lending
  • Lochlain Drive, Charlotte, NC, 28209
  • Started by Austin Hegele. Black Swan Lending is a commercial loan brokerage. An asset-based, non-QM, private and hard money lender. We offer refinance loans, ground up construction loans, long-term rental and short-term loans, rental loans, fix and flip loans, bridge loans, transactional loans, and multifamily loans. We have developed incredible pa
  • Silverstar Capital llc
  • 609 Metairie rd #8252, Metairie, LA, 70005
  • Our expertise lies in unlocking funding for a broad spectrum of real estate opportunities, from bustling commercial properties to tranquil residential spaces. We provide financial solutions tailored to each unique investment. With our support, navigating the complexities of real estate funding becomes effortless, allowing you to expand your portfol
  • Dozcon Investment Group LLC.
  • 4105 Regency Dr., Indian Trail, NC, 28079
  • Dozcon Investment Group is a premier Residential Lender for Non-Owner-Occupied Investment Properties offering transparent and stress-free Funding We offer financing solutions for fix & flip real estate investors As a Lender for Real Estate Investors we do most of the leg-work for you while you build up your Real Estate Portfolio and cash-flo
  • Hancock Whitney Bank
  • 701 Poydras Street, New Orleans, LA, 70139
  • We create opportunities for our clients and the communities we serve. We offer a wide array of banking and financial services at locations in Alabama, Florida, Louisiana, Mississippi and Texas. Our core values are lived out by the actions of our associates throughout our footprint.
  • Investar Bank
  • 4004 Ambassador Caffery Pkwy, Lafayette, LA, 70503
  • Headquartered in Baton Rouge, Investar Bank is a full-service community bank that offers a superior level of products and services to individuals, professionals and small, medium and large businesses. This includes specialty accounts, bill paying services, cash management, electronic transactions and a wide variety of loan services.
  • COAST2COAST MORTGAGE LENDING, LLC
  • 125 B King Street, Saint Augustine, FL, 32084
  • ### Discover COAST2COAST MORTGAGE LENDING, LLC At COAST2COAST MORTGAGE LENDING, LLC, our mission is to make your homeownership dreams a reality with seamless, personalized mortgage solutions. With a dedicated team led by Thornton Miller, we are committed to exceptional service and tailored financial advice. Transform your future—contact us today