Commercial bridge loans, secured by real estate

A bridge loan from BuildUp Capital is short-term, real-estate-secured business financing from $100,000 to $10,000,000, with 6–18 month terms and rates from 10%, priced to the risk. We issue a term sheet typically within 5 business days and closing typically around 10 days once diligence items are received, then plan your exit — usually a refinance into long-term debt — from day one.

Get funding Give us a call

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 cuts both ways: if you qualify, you’ll know quickly, and if the numbers don’t work, we’ll tell you that early rather than late.

How it works

Common situations we structure

Beat a closing deadline

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.

Unlock trapped equity

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.

Fix a broken process

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

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 bridge loans

What is a bridge loan?

A bridge loan is short-term, real-estate-secured business financing that covers the gap until permanent financing is in place. BuildUp Capital’s bridge loans run $100,000 to $10,000,000 with 6–18 month terms and rates from 10%, priced to the risk, secured by commercial or residential real estate across nine Western states. We underwrite the business and the exit — usually a refinance into long-term debt — not just the collateral.

What are bridge loan rates and terms?

6–18 month terms with rates from 10%, priced to the risk in each deal. Rates reflect short-term bridge capital; these loans are structured to be refinanced into long-term debt within the loan term. Rates depend on term, collateral, lien position, and borrower profile, and are subject to change. Not every borrower qualifies for the lowest rate.

Can I pay off a bridge loan early?

Yes — prepayment is allowed. Bridge loans are built around your exit, and exits don’t always wait for the maturity date: if the sale or refinance closes early, you can repay early. Payoff terms are stated in your term sheet before you sign.

How fast can a bridge loan close?

Term sheets typically within 5 business days and closing typically around 10 days once diligence items are received. Speed comes from preparation, not skipped steps.

What can a bridge loan be used for?

Acquisition, expansion, partner buyout, refinance, or working capital — secured by commercial or residential real estate in Texas, Colorado, Utah, Nevada, Arizona, Oklahoma, Idaho, Montana, or Wyoming.

By location

Bridge loans by metro

More on bridge loans

Can you pay off a bridge loan early?Usually yes — but what it costs you to prepay depends entirely on clauses many borrowers never read: prepayment penalties, minimum-interest guarantees.Read →How to read a financing offer before you signFactor rates, daily drafts, confessions of judgment, stacked advances — the structures that cost businesses the most are the ones designed to be hard to read.Read →Hard money vs. a bank loan: when each makes senseHard money and bank loans solve different problems. Here’s an honest look at the tradeoffs — cost, speed, and fit.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 →