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Houston, TX · Fort Bend County

Asset-based lending in Houston, TX

Asset-based lending from BuildUp Capital in Houston are financing secured by what your business owns — real estate or receivables — rather than your credit score alone, sized from $250,000 to $5,000,000 and secured by commercial or residential real estate in Texas. We issue a term sheet in under 5 business days and close in under 10.

$250K–$5MLoan size
< 5 daysTo a term sheet
< 10 daysTo close
9 statesWhere we lend

If the asset is sound — real estate or receivables — the deal can get done here, even when the bank's checklist says no. Because we invest our own capital in every loan, a term sheet from us in Houston means the deal is getting done — and we'd rather tell you straight if the numbers don't work.

Houston's energy services, ports & logistics, and medical (tmc) economy keeps commercial and investment real estate in demand across the area. When the collateral is Texas real estate and the deal has a clear exit, asset-based lending secured by that property is how owners and investors move faster than a conventional process allows.

Key Houston industries we lend to: Energy services · Ports & logistics · Medical (TMC) · Manufacturing · Construction.

See how asset-based lending work, end to end →

What we lend on

The parameters in Houston

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.

Own real estate in Houston and need capital? Get an instant read on fit — see if your deal qualifies → (60 seconds, no contact info needed), or get a term sheet →.

Common questions

Asset-based lending in Houston — common questions

Do you offer asset-based lending in Houston, TX?
Yes. We provide asset-based lending of $250,000–$5,000,000 secured by commercial or residential real estate in Houston and across Texas, with a term sheet in under 5 business days and closing in under 10.
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.
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.
Can you fund energy- or contractor-related businesses in Houston?
Yes, when the loan is secured by real estate. We underwrite the business and the exit, not just the sector — and Houston operators who own property are a core fit.

Asset-based lending in other metros

Other loan programs in Houston

See all lending in Houston

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Need asset-based lending in Houston?

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