Bridge capital for small businessSpeak with our team: (775) 997-8199

Loan programs

BuildUp Capital makes business-purpose loans of $250K–$5M secured by commercial or residential real estate in Texas, Colorado, Utah, Nevada, Arizona, Oklahoma, Idaho, Montana, and Wyoming. Choose the structure that fits your situation — each closes in under 10 days, with a term sheet in under 5.

Bridge loansA bridge loan from BuildUp Capital is short-term, real-estate-secured business financing from $250,000 to $5,000,000, with 6–18 month terms and rates of 10–18% priced to the risk.Learn more →Fix & flip loansA fix-and-flip loan from BuildUp Capital is short-term, real-estate-secured financing from $250,000 to $5,000,000 for investors buying, renovating, and reselling property.Learn more →Acquisition financingBuildUp Capital finances business acquisitions from $250,000 to $5,000,000 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 $250,000 to $5,000,000, subject to the combined exposure we’re comfortable with on the asset.Learn more →Refinance & partner buyoutBuildUp Capital provides $250,000–$5,000,000 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 lets a business borrow against its assets rather than its credit score.Learn more →

Property & project types

What we finance

We lend against most income-producing and investment real estate — and the business behind it — for operating businesses and active real estate investors alike. If it’s secured by real estate, it’s worth a conversation.

Fix & flip / rehabBuy, renovate, and resell — funded on the deal and a clear resale exit, built for active flippers.
Rental & BRRRR portfoliosAcquire and reposition rental property, then bridge to long-term financing.
Land & lot loansEntitled or raw land held for development or investment.
Construction & developmentGround-up and value-add, structured around the draw schedule and exit.
Multifamily & apartmentsSmall and mid-size multifamily — acquisition or reposition.
Hospitality & hotelsFlagged and independent properties, including repositioning.
Office & mixed-useOwner-occupied and investment office, plus mixed-use buildings.
RetailNeighborhood centers, single-tenant, and owner-occupied retail.
Industrial, warehouse & flexDistribution, light-industrial, and flex space.
Self-storageStabilized and lease-up storage facilities.
Special-purpose & owner-occupiedThe real estate your business runs on — deals banks decline for complexity.
Investment-purpose residentialNon-owner-occupied 1–4 unit and SFR portfolios, for business purposes.

Beyond real estate: we also provide business-purpose working-capital loans and receivables-backed lines of credit — including payroll financing and government-receivables lines — factoring secured by valid receivables owed by large, creditworthy companies or government agencies. See receivables financing →

What we lend on

The parameters, across every program

Loan size$250K – $5M
Term6 – 18 months
Rates10 – 18%Transparent, risk-based pricing — no hidden fees, no surprises at closing
Fees1 – 4%Origination fee, disclosed up front · 1% referral fee
Speed<10 daysTerm sheet in under 5 business days
CollateralCommercial / ResidentialReal estate with proven market demand
Lien positionFirst or secondCross-collateralization available
GeographyTX · CO · UT · NVMarkets we know firsthand

Our rates reflect short-term bridge capital. Most of our borrowers refinance into long-term debt within 18 months — often back at their bank. We plan that exit with you from day one.