Financing to buy a business

BuildUp Capital finances business acquisitions from $100,000 to $10,000,000 when real estate is part of the deal. We close on the seller’s deadline — a term sheet typically within 5 business days, funded typically around 10 days once diligence items are received — and we read the target the way an operator does, not just as a collateral file.

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Acquisition entrepreneurs, search funds, and operators buying a competitor all hit the same wall: the deal has a deadline and the bank or SBA process doesn’t. If the business comes with real estate, we can bridge the purchase and let you refinance into permanent debt afterward.

Our team has bought and sold businesses ourselves. We understand add-backs, transition years, and seller financials, and we’ll help a first-time buyer understand the structure before signing.

How it works

Common situations we structure

Buying a business with property

The situation: a target whose value includes owned real estate. Our structure: a bridge secured by that real estate, sized to close. The exit: refinance into SBA or conventional debt once you’ve operated it.

Seller financing plus a bridge

The situation: a seller carrying part of the note and a gap to fill. Our structure: a bridge that completes the capital stack. The exit: refinance or pay down from operating cash flow.

Partner or competitor roll-up

The situation: acquiring a partner’s stake or a nearby competitor on a deadline. Our structure: real-estate-secured capital across one or more properties. The exit: a planned refinance after integration.

What we lend on

The parameters

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.

Common questions

Questions about acquisition financing

What is business acquisition financing?

Business acquisition financing funds the purchase of a business. When real estate is part of the deal, BuildUp Capital secures the loan against that property — $100,000 to $10,000,000, closed on the seller’s timeline with a term sheet typically within 5 business days. It bridges the purchase so you can refinance into SBA or conventional debt once you’ve operated the business.

Can I finance a business purchase with the real estate that comes with it?

Yes — that’s a core use case. We secure the loan against the commercial or residential real estate involved and structure the bridge around your post-close refinance.

Do you work with first-time business buyers?

Yes. We’ll walk you through the structure, the obligations, and the exit before you sign. We fund creditworthy buyers with a clear plan and real estate to secure the loan.

Can you close on the seller’s timeline?

Term sheets typically within 5 business days and closing typically around 10 days once diligence items are received — fast enough for most acquisition deadlines.

By location

Acquisition financing by metro

More on acquisition financing

Bridge loans for business acquisition: how they workWhen the acquisition is right but the financing timeline isn’t, a bridge loan closes the gap — funding the purchase now with a planned refinance behind it.Read →How to finance a business acquisition when the bank says noBuying a business that owns real estate but stuck on financing? Here’s how acquisition loans work when a bank or SBA deal stalls — and what makes a deal fundable.Read →What SBA fallout is — and where those borrowers can goCreditworthy borrowers fall out of SBA processes every day, often late. Here’s what comes next.Read →

Where we lend & what to read next

TexasLocal market commentary and metro pages for our largest footprint.See Texas →Declined by the bank?What a bank or SBA “no” really means, and what to do next.Read the guide →Get fundingTell us about your deal. A person typically responds within 24 hours.Start here →