Loans for businesses that own real estate

BuildUp Capital makes business-purpose loans of $100K–$10M 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 typically around 10 days once diligence items are received, with a term sheet typically within 5 business days.

Bridge loansA bridge loan from BuildUp Capital is short-term, real-estate-secured business financing from $100,000 to $10,000,000, with 6–18 month terms and rates from 10%, priced to the risk.Learn more →Fix & flip loansA fix-and-flip loan from BuildUp Capital is short-term, real-estate-secured financing from $100,000 to $10,000,000 for investors buying, renovating, and reselling property.Learn more →Acquisition financingBuildUp Capital finances business acquisitions from $100,000 to $10,000,000 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 $100,000 to $10,000,000, subject to the combined exposure we’re comfortable with on the asset.Learn more →Refinance & partner buyoutBuildUp Capital provides $100,000–$10,000,000 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 — also called an asset-backed loan — 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.
Residential1–4 unit, SFR portfolios, and personal real estate an owner chooses to pledge — business-purpose loans only.

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$100K–$10MBusiness-purpose loans, sized to the deal
Term6–18 monthsShort by design — structured around your exit
Rates10%+Priced to term, collateral, lien position, and borrower profile
Fees1–4%Origination fee stated in your term sheet before you proceed · Underwriting deposit credited at closing · 1% referral fee where applicable
PaymentsMonthly, interest-onlyNo daily or weekly drafts. Principal at your exit — prepayment allowed.
Speed~10 daysClosing typically around 10 days once diligence items are received; term sheet typically within 5 business days
CollateralCommercial / ResidentialReal estate with proven market demand
Lien positionFirst or SecondCross-collateralization available
Geography9 statesTX · CO · UT · NV · AZ · OK · ID · MT · WY · receivables nationwide

Our rates reflect short-term bridge capital. These loans are structured to be refinanced into long-term debt — often back at your bank — within the loan term. We plan that exit with you from day one. Rates depend on term, collateral, lien position, and borrower profile, and are subject to change. Not every borrower qualifies for the lowest rate.

Before you apply

Run the numbers first

Both calculators are free, need no contact details, and show their working.

How much can I borrow?Estimate a loan amount against the property you own, and see how lien position changes it.Open the calculator →What will a bridge loan cost?Model the interest, the fees, and the payoff over a realistic holding period.Open the calculator →Learn how this worksPlain explanations of secured lending, written so you can tell a fair structure from an expensive one.Start learning →