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Mesa, AZ · Maricopa County

Asset-based lending in Mesa, AZ

Asset-based lending from BuildUp Capital in Mesa 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 Arizona. 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 Mesa means the deal is getting done — and we'd rather tell you straight if the numbers don't work.

Mesa's aerospace, healthcare, and advanced manufacturing economy keeps commercial and investment real estate in demand across the area. When the collateral is Arizona 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 Mesa industries we lend to: Aerospace · Healthcare · Advanced manufacturing · Education · Retail & mixed-use.

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

What we lend on

The parameters in Mesa

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 Mesa 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 Mesa — common questions

Do you offer asset-based lending in Mesa, AZ?
Yes. We provide asset-based lending of $250,000–$5,000,000 secured by commercial or residential real estate in Mesa and across Arizona, 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.
Do you serve the wider East Valley from Mesa?
Yes — Mesa, Gilbert, Chandler, and the broader East Valley. Real estate anywhere in Arizona can secure the loan.

Asset-based lending in other metros

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Need asset-based lending in Mesa?

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