Hard money loans in Oklahoma

BuildUp Capital makes asset-secured hard money loans in Oklahoma: first-position, business-purpose loans of $100K–$10M for 6–18 months, up to 80% LTV on commercial or investment property in Oklahoma City, Tulsa and other Oklahoma markets.

See if you qualify in 60 secondsEvery Oklahoma city we serve

Hard money loan terms in Oklahoma

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 Oklahoma market for hard money

Oklahoma had about 4.10 million residents in July 2024 by Census Bureau estimate. Oklahoma City and Tulsa account for most of our Oklahoma inquiries, typically owner-user commercial property and investment residential held by a business.

Oklahoma population: 3.96 million (April 2020 base) to 4.10 million (July 2024), +3.4%. (U.S. Census Bureau, Vintage 2024 estimates)

Collateral we lend against in Oklahoma

  • Owner-user commercial, industrial and energy-services property.
  • Investment residential and small multifamily held by an LLC.

How Oklahoma deals typically use hard money

Tulsa equipment and expansion

A Tulsa fabricator releases equity in its shop to fund equipment for a new contract, repaid from contract proceeds.

OKC building purchase

An Oklahoma City services firm buys its building when the landlord sells; we close first and the bank refinances after.

Illustrative structures, not specific client transactions.

Oklahoma trust deeds, foreclosure and title — the basics

  • Oklahoma permits power-of-sale (non-judicial) foreclosure of a mortgage that provides for it, but a homestead owner can elect judicial foreclosure instead. (46 O.S. §§41, 43)
  • Oklahoma closings run through a title company and an abstract-based title review. We order title at the term sheet.

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

Cities

Largest Oklahoma cities we lend in

Population: Census Bureau July 2024 estimates.

Common questions

Hard money in Oklahoma — what people ask

Do you make hard money loans in Oklahoma City and Tulsa?
Yes — first position, $100K–$10M, up to 80% LTV, for business purposes across Oklahoma.
Is Oklahoma a judicial or non-judicial foreclosure state?
Both. A mortgage can provide for power of sale (46 O.S. §41), but a homestead owner may elect judicial foreclosure (§43). We lend against business and investment property.

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