Provo, UT · Utah County

Acquisition financing in Provo, UT

Acquisition financing from BuildUp Capital in Provo is real-estate-secured capital to buy a business and close on the seller’s deadline, sized from $100,000 to $10,000,000 and secured by commercial or residential real estate in Utah. Term sheets typically issue within 5 business days, with closing typically around 10 days once diligence items are received.

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$100K–$10MLoan size
~5 business daysTo a term sheet, typically
~10 daysTo close, typically
9 statesWhere we lend

When a business for sale comes with real estate, we can bridge the purchase and let you refinance into permanent debt afterward. Because we invest our own capital in every loan, we’re selective about what we fund in Provo — and we’d rather tell you straight if the numbers don’t work than leave you waiting.

Provo’s technology, university & education, and professional services economy keeps commercial and investment real estate in demand across the area. When the collateral is Utah real estate and the deal has a clear exit, acquisition financing secured by that property is how owners and investors move faster than a conventional process allows.

Key Provo industries we lend to: Technology · University & education · Professional services · Retail · Construction.

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What we lend on

The parameters in Provo

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.

Own real estate in Provo and need capital? Get an instant read on fit — see if your deal qualifies → (60 seconds, no contact info needed), or send us the whole deal →.

Common questions

Acquisition financing in Provo — common questions

Do you offer acquisition financing in Provo, UT?
Yes. We provide acquisition financing of $100,000–$10,000,000 secured by commercial or residential real estate in Provo and across Utah, with a term sheet typically within 5 business days and closing typically around 10 days once diligence items are received.
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 serve Utah County beyond Provo?
Yes — Provo, Orem, Lehi, and the wider Utah County market. Real estate anywhere in Utah can secure the loan.

Acquisition financing in other metros

Other loan programs in Provo

Bridge loansShort-term commercial bridge loans of $100K–$10M secured by real estate, from a private lender in business since 1993.Learn more →Fix & flip loansShort-term fix-and-flip and rehab loans of $100K–$10M for real estate investors in the Mountain West and Southwest.Learn more →Cross-collateralized loansUse multiple properties or assets to secure a single business loan of $100K–$10M in the Mountain West and Southwest.Learn more →Second-lien loansSecond-lien (2nd position) business loans of $100K–$10M secured by commercial or residential real estate in the Mountain West and Southwest.Learn more →Refinance & partner buyoutReal-estate-secured loans of $100K–$10M to buy out a partner or refinance existing debt in the Mountain West and Southwest.Learn more →Asset-based lendingAsset-based lending — also called asset-backed loans — of $100K–$10M secured by real estate your business already owns, not by its credit score.Learn more →

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Need acquisition financing in Provo?

Tell us about your deal and you’ll hear from a real person, typically within 24 hours — with a straight answer, not an automated maybe.

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