Hard money loans in Colorado

BuildUp Capital makes asset-secured hard money loans across Colorado: first-position, business-purpose loans of $100K–$10M for 6–18 months, up to 80% LTV on residential or commercial property, from Fort Collins to Pueblo and Grand Junction.

See if you qualify in 60 secondsEvery Colorado city we serve

Hard money loan terms in Colorado

Loan size
$100K–$10M
Term
6–18 months
Position
First position (a second position is the rare exception)
Max LTV
Up to 80%, residential or commercial
Rates
Rates as low as 11% for prime-market, low-LTV loans; most first-position loans start around 12%.
Payments
Monthly, interest-only; prepayment allowed
Speed
Term sheet typically within 5 business days; close typically around 10 days once diligence is in
Purpose
Business purpose only — not consumer mortgages

Final pricing depends on the property, the market and the exit; fees are stated in the term sheet before you pay for diligence. Documents we ask for

The Colorado market for hard money

Most of our Colorado activity is on the Front Range — the counties from Larimer and Weld south through Denver and El Paso to Pueblo — which the Census Bureau estimates held about 5.0 million of Colorado’s 5.96 million people in July 2024. The Western Slope (Grand Junction, Montrose) is in our served-city list too.

Colorado borrowers tend to come to a hard money lender for timing rather than credit: a 1031 replacement property, an owner-user building that has to close before a lease expires, or a construction loan that matured before the project was stabilized.

Colorado population: 5.78 million (April 2020 base) to 5.96 million (July 2024), +3.2%. (U.S. Census Bureau, Vintage 2024 estimates)

Collateral we lend against in Colorado

  • Owner-user commercial and industrial buildings along the I-25 corridor.
  • Investment residential and small multifamily in Denver-metro and Colorado Springs neighborhoods.
  • Mixed-use and retail strip property in Front Range suburbs.
  • Cross-collateralized packages that combine a business property with other real estate the owner holds.

How Colorado deals typically use hard money

Matured construction or bank loan

A Denver-area owner’s construction loan matures before the building leases up. A 12-month bridge pays it off and buys time to stabilize and refinance.

Owner-user purchase on a short fuse

A Colorado Springs services company buys its building when the landlord sells. We close on the contract date; the bank refinance follows once two years of occupancy are on the books.

Working capital against a Front Range property

A Weld County distributor uses its warehouse equity for inventory ahead of a large contract, repaid from the contract proceeds.

Illustrative structures, not specific client transactions.

Colorado trust deeds, foreclosure and title — the basics

  • Colorado is unusual: deeds of trust run to a county Public Trustee, a public office that exists in every county (the county treasurer in most), rather than to a private trustee. (C.R.S. §38-37-101)
  • A Public Trustee foreclosure also needs a court order authorizing the sale under C.R.C.P. Rule 120 — a limited court proceeding. (C.R.C.P. Rule 120)
  • The sale is generally set roughly 110–125 days after the notice of election and demand is recorded, under the timelines in C.R.S. article 38-38. (C.R.S. art. 38-38 (foreclosure sales))
  • Colorado closings are usually run by a title company; the deed of trust names the Public Trustee of the county where the property sits. Releases at payoff also go through the Public Trustee, so we build that step into the exit timeline.
  • We order title, an appraisal or broker opinion, and entity documents at the term sheet, so the closing date is set by diligence rather than by a credit committee.

General information, current as of October 2026 — not legal advice. Statutes change; confirm with Colorado counsel or your title company.

Regions

Colorado hard money by metro region

Front Range11 counties, 4.99 million people (2024): Larimer, Weld, Boulder, Broomfield, Adams, Denver, Arapahoe, Jefferson, Douglas, El Paso, Pueblo.Front Range hard money

Cities

Largest Colorado cities we lend in

Population: Census Bureau July 2024 estimates.

Common questions

Hard money in Colorado — what people ask

Do you make hard money loans in Colorado?
Yes. We are an asset-secured hard money and bridge lender making first-position, business-purpose loans of $100K–$10M across Colorado, up to 80% LTV, for 6–18 months.
Why does my Colorado deed of trust name the Public Trustee?
Colorado law creates a Public Trustee office in every county (C.R.S. §38-37-101). Deeds of trust run to that office, and foreclosure sales and releases go through it.
Do you lend on the Western Slope?
Yes — Grand Junction, Montrose and other Colorado markets, on the same terms, if the collateral is real estate we can value and would be comfortable owning.
How fast can a Colorado hard money loan close?
A term sheet typically within 5 business days, and closing typically around 10 days once diligence items are received. Title and the appraisal usually set the pace.

All hard money states · Where we lend in Colorado · Rates & terms