How It Works
Our streamlined process gets you from application to funding in 7-10 days. No bureaucracy, no delays—just smart, fast capital.
The BuildUp Capital Process
Submit Application
Day 1Complete our simple online application in 5-10 minutes. Tell us about your project and financing needs.
- Choose your loan type
- Provide basic property/business info
- Upload supporting documents
- No obligation or hard credit pull
Initial Review
Day 1Our team reviews your application and reaches out within hours to discuss your needs.
- Quick review of submitted materials
- Call or email to discuss details
- Answer any questions you have
- Preliminary approval indication
Underwriting & Approval
Day 1-2We conduct due diligence on the property/business and provide formal approval with terms.
- Property appraisal or asset valuation
- Background and credit review
- Deal structure finalization
- Formal approval with term sheet
Documentation & Closing
Day 3-7Sign loan documents and schedule closing. We handle all the paperwork and logistics.
- Loan documents prepared
- Title work and insurance
- Closing scheduled
- Final walkthrough and wire
Funding
Day 7-10Funds are wired to your account. Start your project or seize your opportunity.
- Funds wired same day as closing
- Loan servicing setup
- Ongoing support and communication
- Ready for your next deal
What You'll Need
For Real Estate Loans
- •Property address and details
- •Purchase contract or ownership docs
- •Rehab budget and scope (if applicable)
- •Personal financial statement
- •Previous project examples (helpful)
For Business Loans
- •Business overview and financials
- •Asset list (equipment, inventory, AR)
- •Bank statements (3-6 months)
- •Use of funds explanation
- •SBA loan details (for bridge loans)
Common Questions
How fast can I get approved?
Most applications receive initial approval within 24-48 hours. Full underwriting and formal approval typically takes 2-3 days.
What credit score do I need?
While we prefer 650+, we evaluate each deal holistically. Strong deals with experienced operators can work with lower scores.
Do you charge application or origination fees?
We charge competitive origination fees at closing—no upfront fees. All costs are disclosed clearly in the term sheet.
Can I pay off the loan early?
Most of our loans have no prepayment penalty. You can exit early without extra fees.
Ready to Experience the BuildUp Difference?
Start your application today and see why borrowers choose BuildUp Capital.
Apply Now