Obtaining a loan without a building plan can be challenging, especially if you're looking for financing for construction or real estate development. However, there are a few options you might consider:

1. Land Loans: If you already own the land and are looking to finance a construction project, some lenders may offer land loans that do not require a formal building plan. Instead, they may focus on the value of the land.

2. Personal Loans: If your funding needs are relatively small and you have a good credit score, a personal loan could be an option. These loans can be used for various purposes and typically do not require a building plan, though they might have higher interest rates compared to secured loans.

3. Home Equity Loans or Lines of Credit (HELOC): If you own a home with equity, you may be able to take out a home equity loan or line of credit without a building plan. The lender will assess the equity in your home rather than requiring details about new construction.

4. Construction-to-Permanent Loans: Some lenders offer loans that convert from construction loans to permanent mortgages once the building is complete. While these typically require plans, some might have more flexible requirements, especially for less traditional constructions.

5. Private Lenders or Hard Money Loans: Private lenders or hard money loans are another avenue. These lenders may have less stringent requirements than traditional banks. However, they often come with higher interest rates and fees.

6. Self-Funding: If you have savings or assets, you may consider self-funding your project. This eliminates the need for a loan altogether.

7. Grants or Subsidies: Depending on your location, there may be grants or subsidies available for certain types of construction projects. These usually have specific requirements but may not require a full building plan.

Tips for Securing a Loan Without a Building Plan:

• Research Lenders: Look for lenders who specialize in unconventional loans or who have a reputation for flexible lending practices.
• Prepare Documentation: While a building plan may not be necessary, be prepared to provide other documentation such as proof of income, credit score, and details about your property.
• Consult a Professional: Engaging with a financial advisor or a mortgage broker can provide guidance tailored to your situation and may help you find suitable lenders.
• Have a Clear Project Outline: While a formal building plan may not be necessary, having a clear outline of your project-including budgets, timelines, and scope-can help convince lenders of its viability.

Before proceeding, be sure to carefully evaluate the terms of any loan and consider seeking legal or financial advice to ensure that it aligns with your financial goals.