Bridge capital · $100K–$10M · Mountain West & Southwest

Bridge loans for small businesses that own real estate.

BuildUp Capital lends $100K–$10M against commercial or residential real estate in Texas, Colorado, Utah, Nevada, Arizona, Oklahoma, Idaho, Montana, and Wyoming — a term sheet typically within 5 business days, closing typically around 10 days once diligence items are received. 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, typically within 24 hours.

See if you qualifyGive us a call
Term sheet typically within 5 business daysA person responds typically 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$100K–$10MBusiness-purpose loans, sized to the deal
Term6–18 monthsShort by design — structured around your exit
Rates10%+Priced to term, collateral, lien position, and borrower profile
Fees1–4%Origination fee stated in your term sheet before you proceed · Underwriting deposit credited at closing · 1% referral fee where applicable
PaymentsMonthly, interest-onlyNo daily or weekly drafts. Principal at your exit — prepayment allowed.
Speed~10 daysClosing typically around 10 days once diligence items are received; term sheet typically within 5 business days
CollateralCommercial / ResidentialReal estate with proven market demand
Lien positionFirst or SecondCross-collateralization available
Geography9 statesTX · CO · UT · NV · AZ · OK · ID · MT · WY · receivables nationwide

Our rates reflect short-term bridge capital. These loans are structured to be refinanced into long-term debt — often back at your bank — within the loan term. We plan that exit with you from day one. Rates depend on term, collateral, lien position, and borrower profile, and are subject to change. Not every borrower qualifies for the lowest rate.

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 $100,000 to $10,000,000, with 6–18 month terms and rates from 10%, priced to the risk.Learn more →Fix & flip loansA fix-and-flip loan from BuildUp Capital is short-term, real-estate-secured financing from $100,000 to $10,000,000 for investors buying, renovating, and reselling property.Learn more →Acquisition financingBuildUp Capital finances business acquisitions from $100,000 to $10,000,000 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 $100,000 to $10,000,000, subject to the combined exposure we’re comfortable with on the asset.Learn more →Refinance & partner buyoutBuildUp Capital provides $100,000–$10,000,000 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 — also called an asset-backed loan — 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 like creative deals — and we have the expertise to make them work.

Complex isn’t a problem to us; it’s the work. A bank’s underwriting has to fit a standard box, so a deal with moving parts often can’t be underwritten there at all. Our team has spent decades inside operating businesses, so the situations that stop a checklist are the ones we know how to structure.

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.

“A broker gets paid to originate the loan. We put our own capital into every one — so our interest sits next to yours, not ahead of it.”
— Donna Cangelosi, Co-Founder & Chief Investment Officer, BuildUp Capital

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 $100,000 to $10,000,000. 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 $100,000 to $10,000,000, secured by commercial or residential real estate, with 6–18 month terms and rates from 10%, priced to the risk in each deal. Term sheets typically issue within 5 business days, with closing typically around 10 days once diligence items are received. Rates depend on term, collateral, lien position, and borrower profile, and are subject to change. Not every borrower qualifies for the lowest rate.
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 sheets typically issue within 5 business days, with closing typically around 10 days once diligence items are received. Speed comes from preparation, not skipped steps. A member of our team typically responds to every inquiry within 24 hours.

Get started

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

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

See if you qualifyGive us a call