Bridge capital for small businessSpeak with our team: (775) 997-8199

Bridge capital · $250K–$5M · Mountain West & Southwest

Bridge loans for small businesses that own real estate.

BuildUp Capital lends $250K–$5M against commercial or residential real estate in Texas, Colorado, Utah, Nevada, Arizona, Oklahoma, Idaho, Montana, and Wyoming — term sheet in under 5 business days, closed in under 10. We underwrite the business and the exit, not just the collateral, and we invest our own money in every loan. If you qualify, you’ll know quickly; if you don’t, we’ll tell you straight within 24 hours.

Get a term sheetCall (775) 997-8199
Term sheet in under 5 daysA person responds within 24 hours

What we lend on

The actual parameters — no guesswork

Acquisition, expansion, partner buyout, refinance, or working capital — secured by real estate, structured around your exit.

Loan size$250K – $5M
Term6 – 18 months
Rates10 – 18%Transparent, risk-based pricing — no hidden fees, no surprises at closing
Fees1 – 4%Origination fee, disclosed up front · 1% referral fee
Speed<10 daysTerm sheet in under 5 business days
CollateralCommercial / ResidentialReal estate with proven market demand
Lien positionFirst or secondCross-collateralization available
GeographyTX · CO · UT · NVMarkets we know firsthand

Our rates reflect short-term bridge capital. Most of our borrowers refinance into long-term debt within 18 months — often back at their bank. We plan that exit with you from day one.

Loan programs

Financing for however your deal is shaped

Bridge, fix-and-flip, acquisition, cross-collateralized, second-lien, refinance, and asset-based loans — secured by real estate. Plus receivables-backed lines of credit, available nationwide.

Bridge loansA bridge loan from BuildUp Capital is short-term, real-estate-secured business financing from $250,000 to $5,000,000, with 6–18 month terms and rates of 10–18% priced to the risk.Learn more →Fix & flip loansA fix-and-flip loan from BuildUp Capital is short-term, real-estate-secured financing from $250,000 to $5,000,000 for investors buying, renovating, and reselling property.Learn more →Acquisition financingBuildUp Capital finances business acquisitions from $250,000 to $5,000,000 when real estate is part of the deal.Learn more →Cross-collateralized loansA cross-collateralized loan lets you secure a single business loan with two or more properties or assets.Learn more →Second-lien loansBuildUp Capital lends in second lien position against commercial or residential real estate, from $250,000 to $5,000,000, subject to the combined exposure we’re comfortable with on the asset.Learn more →Refinance & partner buyoutBuildUp Capital provides $250,000–$5,000,000 in real-estate-secured capital to buy out a business partner or refinance existing debt in Texas, Colorado, Utah, Nevada, Arizona, Oklahoma, Idaho, Montana, and Wyoming.Learn more →Asset-based lendingAsset-based lending lets a business borrow against its assets rather than its credit score.Learn more →Receivables financingReceivables-backed lines of credit — payroll funding, government receivables, and factoring. Nationwide.Learn more →

We do the deals banks won’t touch.

Banks decline complexity, not just credit. Our team has spent decades inside operating businesses, so the situations that stop a bank’s checklist are the ones we know how to underwrite.

Cross-collateralized structuresMultiple properties or assets securing one loan — we structure what the bank’s box can’t hold.
Complex entities & ownershipMulti-entity structures, partnerships, trusts, buyouts mid-transition — we’ve untangled harder.
Financials that need interpretationAdd-backs, transition years, seller statements — we read the business behind the numbers, not just the numbers.
First time taking on debtWe’ll help you understand the structure, the obligations, and the exit — before you sign, not after.
Bank-declined, time-critical deals“Not yet” from the bank doesn’t mean “no” from the market. It usually just means the clock is running.
Real collateral, alwaysEvery structure above is still secured by real estate we’d be comfortable owning. That part never flexes.

Complex isn’t the same as weak. We decline weak deals. We underwrite complex ones.

Common questions

Questions borrowers ask us

What kinds of financing do you offer?
Real-estate-secured business loans — bridge, fix-and-flip, acquisition, cross-collateralized, second-lien, refinance/partner-buyout, and asset-based lending, from $250,000 to $5,000,000. We also provide receivables-backed lines of credit — payroll funding, government-receivables financing, and invoice factoring — available nationwide.
What loan sizes and terms do you offer?
Business-purpose loans from $250,000 to $5,000,000, secured by commercial or residential real estate, with 6–18 month terms and rates of 10–18% priced to the risk in each deal. Term sheets issue in under 5 business days; deals close in under 10.
Can I use multiple properties as collateral for one loan?
Yes. We structure cross-collateralized loans where multiple properties or assets secure a single loan — a structure most banks decline for complexity rather than credit.
What if my bank or SBA lender declined me?
A bank decline usually reflects complexity or timing, not the quality of your business. We regularly fund deals declined by banks and SBA lenders — including complex entity structures, financials that need interpretation, and time-critical closings — provided they’re secured by real estate in Texas, Colorado, Utah, Nevada, Arizona, Oklahoma, Idaho, Montana, or Wyoming.
Do you take second lien positions?
Yes. We lend in first or second lien position against commercial or residential real estate, subject to combined exposure we’re comfortable with on the asset.
What credit profile do you look for?
We lend to creditworthy borrowers — generally a 650+ credit score — with real estate to secure the loan and a clear plan for the capital. Complexity in your financials is fine; weak credit and no plan is not.
How fast can you actually close?
Term sheet in under 5 business days; closing in under 10 days from submission. Speed comes from preparation, not skipped steps. A member of our team responds to every inquiry within 24 hours.

Get started

Tell us about your deal. You’ll hear from a person within 24 hours.

No call center, no automated maybe — a straight answer from someone who can actually fund it.

Get a term sheetCall (775) 997-8199