Asset-based lending — borrow against what you own

Asset-based lending — also called an asset-backed loan — lets a business borrow against its assets rather than its credit score. BuildUp Capital lends $100,000 to $10,000,000 secured by commercial or residential real estate, and — through our receivables-backed lines of credit — against invoices owed by large, creditworthy companies and government agencies. We underwrite the asset and the operator, issue a term sheet typically within 5 business days, and fund complex deals a standard credit box can’t accommodate.

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Banks lead with your credit score and your last two tax returns. Asset-based lenders lead with your collateral — the real estate you own or the receivables you’ve billed. If the asset is sound, the deal can get done, even when the bank’s checklist says no.

We put our own capital in every loan, so we only fund against assets we’d be comfortable owning or collecting. Real estate is secured here in Texas, Colorado, Utah, Nevada, Arizona, Oklahoma, Idaho, Montana, and Wyoming; our receivables-backed lines are available nationwide.

How it works

Common situations we structure

Borrow against real estate

The situation: equity tied up in owned property and a need for capital now. Our structure: a first or second lien against the real estate, sized to the deal. The exit: refinance or the event the capital funds.

Borrow against receivables

The situation: cash trapped in unpaid invoices to creditworthy customers. Our structure: a receivables-backed line of credit that grows as you bill. The exit: the line revolves as your customers pay.

Combine assets banks won’t

The situation: a deal that needs more than one asset to pencil. Our structure: cross-collateralized real estate, or real estate plus receivables, underwritten together. The exit: a planned refinance or payoff.

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 asset-based lending

What is asset-based lending?

Asset-based lending is business financing secured by your assets — typically real estate, accounts receivable, inventory, or equipment — rather than by your personal credit score alone. The loan size is driven by the value of the collateral.

Is an asset-backed loan the same as an asset-based loan?

In business lending, yes — “asset-based” and “asset-backed” are used interchangeably to describe a loan secured by collateral such as real estate or receivables. Whichever term you search, the structure is the same: the value of the asset, not your credit score alone, drives the loan.

What assets can I borrow against?

We lend against commercial or residential real estate, and — through our receivables-backed lines of credit — against invoices owed by large, creditworthy companies and government agencies. Every asset has to be collateral we’re comfortable owning or collecting.

Is asset-based lending the same as a bank line of credit?

Not quite. A bank line is driven largely by your balance sheet and credit history; an asset-based facility is driven by the value of your eligible assets, so it can scale with your collateral and fund situations a bank’s credit box won’t.

Where do you offer asset-based lending?

Real-estate-secured lending is offered in Texas, Colorado, Utah, Nevada, Arizona, Oklahoma, Idaho, Montana, and Wyoming. Our receivables-backed lines of credit are available nationwide.

By location

Asset-based lending by metro

More on asset-based lending

How to use real estate as collateral for a business loanIf your business owns property, you’re holding the strongest borrowing asset there is.Read →What is DSCR (debt-service-coverage ratio)?DSCR measures whether a property’s income covers its debt payments. Here’s how it’s calculated, what a “good” ratio looks like, and why lenders care.Read →Invoice factoring vs. a receivables line of credit: which is right?Both turn unpaid invoices into working capital — but one sells your invoices and one lets you borrow against them. Here’s the real difference.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 →