A bridge loan from BuildUp Capital is short-term, real-estate-secured business financing from $250,000 to $5,000,000, with 6–18 month terms and rates of 10–18% priced to the risk. We issue a term sheet in under 5 business days and close in under 10, then plan your exit — usually a refinance into long-term debt — from day one.
Bridge capital exists for the gap between now and your permanent financing. You have a deadline, an opportunity, or a problem the bank can’t move on fast enough, and you own real estate that can secure the loan. We underwrite the business and the exit, not just the collateral.
Because we invest our own money in every loan, we only fund deals we believe will close on their exit. That discipline is why a term sheet from us means the deal is getting done.
How it works
The situation: a time-critical purchase the bank can’t fund in time. Our structure: a bridge against the real estate, sized to the deal. The exit: refinance into a bank or SBA loan once the dust settles.
The situation: capital tied up in owned property, needed for growth now. Our structure: a first or second lien releasing usable proceeds. The exit: the growth pays down or refinances the bridge.
The situation: a bank process that stalled mid-stream. Our structure: a clean bridge with clear terms and no bait-and-switch. The exit: back to the bank on your timeline, not theirs.
What we lend on
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.
Common questions
By location
Further reading