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San Antonio, TX · Bexar County

Asset-based lending in San Antonio, TX

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

San Antonio's military & defense, healthcare & bioscience, and tourism 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 San Antonio industries we lend to: Military & defense · Healthcare & bioscience · Tourism · Manufacturing · Distribution.

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

What we lend on

The parameters in San Antonio

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 San Antonio 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 San Antonio — common questions

Do you offer asset-based lending in San Antonio, TX?
Yes. We provide asset-based lending of $250,000–$5,000,000 secured by commercial or residential real estate in San Antonio 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.
Do you lend on medical-office or mixed-use property in San Antonio?
Yes. Commercial or residential real estate in San Antonio can secure a loan, including medical-office and mixed-use assets with proven demand.

Asset-based lending in other metros

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