Do you make hard money loans in Boise?

Yes — Boise, Meridian, Nampa and across Idaho, first position, $100K–$10M, up to 80% LTV, for business purposes.

How long does an Idaho trust-deed foreclosure take?

Notice of sale must be mailed at least 120 days before the sale (Idaho Code §45-1506), so Idaho is slower than its neighbors. We structure loans around the exit, not a sale.

Hard Money Loans in Idaho | BuildUp Capital

Hard money loan terms in Idaho

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 Idaho market for hard money

Idaho grew from about 1.84 million residents in April 2020 to about 2.00 million in July 2024, by Census Bureau estimate — among the fastest rates in the country. Most of our Idaho activity is in Ada and Canyon counties (Boise, Meridian, Nampa, Caldwell) and Kootenai County (Coeur d’Alene, Post Falls).

Idaho population: 1.84 million (April 2020 base) to 2.00 million (July 2024), +8.8%. (U.S. Census Bureau, Vintage 2024 estimates)

Collateral we lend against in Idaho

Owner-user commercial and light-industrial property in the Treasure Valley.
Investment residential and small multifamily held by a business.
Parcels inside an incorporated city, or within Idaho’s acreage limits, can be secured by a trust deed; larger rural tracts generally use a mortgage instead. (Idaho Code §45-1502)

How Idaho deals typically use hard money

Treasure Valley expansion

A Nampa manufacturer buys an adjacent parcel and building, bridging to a bank loan once the expansion is complete.

North Idaho cash-out

A Coeur d’Alene hospitality operator releases equity in its property for renovations ahead of the season.

Illustrative structures, not specific client transactions.

Idaho trust deeds, foreclosure and title — the basics

An Idaho trust deed is limited to property within an incorporated city or village, or to parcels within statutory acreage limits. (Idaho Code §45-1502)
Notice of a trustee’s sale must be mailed at least 120 days before the sale. (Idaho Code §45-1506)
Idaho closings run through a title company. We order title and valuation at the term sheet.

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

Hard money loans in Idaho