AllTerrainCapital.net
Your Partner In Funding Your Deal
When you have more deals than cash, reach out to see if we are a match. ALL TERRAIN CAPITAL funds experienced land investors in most states.
3 years Invaluable Experience
$150 Million
We’ve provided over $150 million in funding to our clients.
500+ Deals
Our client have done over 500+ deals in the last 3 years
50k+ Network
Our network of real estate business owner and investors
About All Terrain Capital
We Are Your Funding Partner
All Terrain Capital helps experienced land investors leverage financing to do more deals. Built on decades of lending experience, ATC offers a fresh approach for land investors. Before founding ATC, Brad flipped land and funded deals using his retirement accounts. After depleting those funds with a few high-volume borrowers, Brad began deploying capital from friends and family, forming ATC in 2021. We’ve funded numerous deals in raw land, single-family homes, and commercial projects. ATC fills a critical gap by offering short-term financing for raw land purchases.
More Funding
More Deals
About All Terrain Capital
We Are Your Funding Partner
All Terrain Capital helps experienced land investors leverage financing to do more deals. Built on decades of lending experience, ATC offers a fresh approach for land investors. Before founding ATC, Brad flipped land and funded deals using his retirement accounts. After depleting those funds with a few high-volume borrowers, Brad began deploying capital from friends and family, forming ATC in 2021. We’ve funded numerous deals in raw land, single-family homes, and commercial projects. ATC fills a critical gap by offering short-term financing for raw land purchases.
From Farming to Financing: A Land Investor's Journey
Jane,
Founder of All Terrain Capital
Jane is a sales and marketing mutant with a passion for land.
From private label to private lender… I grew up farming, fishing, and hunting on our family farm. Farming is hard work and can be a risky business, so I moved away to see what was on the horizon. I started buying fix and flip houses in 2006 when everyone could get a loan and prices were discounted. When lenders stopped lending I started looking at additional business opportunities.
In 2012, I started marketing products on Amazon. We created our own private label products and launched products for larger brands. The experience and lessons we learned from launching physical products apply everyday to real estate, lending, and business.
I thought I had a pretty boring, profitable rental portfolio until the checks stopped coming. Everything changed in the middle of the night when one of the residents was smoking in bed and burned down the property. Eventually our insurance saved the day, and I learned a valuable lesson. The big lesson is cash flow is the real asset. Unpredictable renters and the structure are liabilities, especially when it’s on fire. My portfolio pivoted into seller finance, notes, and lending. I’ve been lending on projects big and small since then.
Our Dedication
Flexible Financing for Land Investors
At All Terrain Capital, we understand the unique challenges faced by land investors, particularly when it comes to securing short-term financing for raw land purchases. Traditional lending models often overlook this crucial need, and we’re here to fill that gap with flexible, fast solutions.
Our mission is to empower experienced investors to scale their portfolios by offering customized financing options that close deals quickly and efficiently. With decades of expertise in lending and real estate, we bring a deep understanding of the industry’s evolving demands.
Whether you’re a seasoned investor or exploring new opportunities, All Terrain Capital is committed to helping you navigate the land investment landscape with confidence and ease.
FAQs
Still not sure why you should let us lend you money?
How much can I borrow for a deal?
- Loans between 10-50 thousand dollars can be approved the same day if you are a great communicator.
- Loans over 50 thousand dollars require comps, 6 months of bank statements and last year’s tax return.
How long does it take to get funded?
- Most deals can be approved in 24 hours and funded in a few days.
- Funds are wired after the title company prepares the closing documents.
Where do the funds go?
Escrow. We’ll send funds directly to your attorney or title company. The loan amount is the same amount as the purchase price of the property not to exceed 50% of the market value of the property.
Why don’t I just use profit from previous deals instead of borrowing?
Stage 3 (experienced, high velocity) land investors are constantly running out of cash because they often finance their buyers. Stage 3 land investors also spend a considerable amount of money in marketing to acquire off market property.
Why don’t land investors use a bank or cheaper lender?
These loans are too small for most lenders.
What happens if a borrower doesn’t pay the loan back on time?
The interest and fees accumulate. At 180 days the borrower is in default and can transfer ownership of the property to resolve the debt. This is called deed in lieu of foreclosure.
What happens if the property doesn’t sell in six months?
We can extend the loan.
We can team up and sell the property for cash at a discount.
We can team up and sell the property on a payment plan.
We can team up and own property long term.
What happens after I (land investor) find a buyer?
The land investor finds a buyer who signs a purchase agreement.
After the buyer’s option period has expired and the closing documents are prepared, we’ll sign (and notarize) a lien release with a payoff letter.
At closing the title company will wire funds to our account.
What rates do borrowers pay?
Rates can change, but here are the rates as of this writing:
1 month or less 10% Flat Fee
5% Flat Fee for each following month up to 5 following months