Bridge loans in Phoenix, AZ

Bridge loans from BuildUp Capital in Phoenix are short-term, real-estate-secured business financing structured around a clear exit, 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.

Get a term sheet Call (775) 997-8199

$250K–$5MLoan size

< 5 daysTo a term sheet

< 10 daysTo close

9 statesWhere we lend

When a bank committee can't keep up with a local closing timeline, a bridge against real estate is how good deals still get done here. Because we invest our own capital in every loan, a term sheet from us in Phoenix means the deal is getting done — and we'd rather tell you straight if the numbers don't work.

Phoenix's semiconductors & advanced manufacturing, logistics & distribution, and healthcare 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, bridge loans secured by that property is how owners and investors move faster than a conventional process allows.

Key Phoenix industries we lend to: Semiconductors & advanced manufacturing · Logistics & distribution · Healthcare · Construction & development · Real estate investment.

See how bridge loans work, end to end →

What we lend on

The parameters in Phoenix

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 Phoenix 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

Bridge loans in Phoenix — common questions

Do you offer bridge loans in Phoenix, AZ?

Yes. We provide bridge loans of $250,000–$5,000,000 secured by commercial or residential real estate in Phoenix and across Arizona, with a term sheet in under 5 business days and closing in under 10.

What are bridge loan rates and terms?

6–18 month terms with rates of 10–18% priced to the risk in each deal. Rates reflect short-term bridge capital; most borrowers refinance into long-term debt within 18 months.

How fast can a bridge loan close?

Term sheet in under 5 business days and closing in under 10 days from submission. Speed comes from preparation, not skipped steps.

Is Phoenix a good market for fix-and-flip or bridge financing?

Yes — the Valley's deal velocity and active investor base make it one of our strongest Southwest markets. When the collateral is Arizona real estate and the deal has a clear exit, we'll give you a straight answer within 24 hours.

Bridge loans in other metros

Other loan programs in Phoenix

Fix & flip loansShort-term fix-and-flip and rehab loans of $250K–$5M for real estate investors in the Mountain West and Southwest. Underwritten on the project, closed in days, structured around your resale or refinance exit.Learn more →Acquisition financingFinance a business acquisition with real-estate-secured bridge capital of $250K–$5M in the Mountain West and Southwest. Close on the seller’s timeline, then refinance.Learn more →Cross-collateralized loansUse multiple properties or assets to secure a single business loan of $250K–$5M in the Mountain West and Southwest — a structure most banks decline for complexity, not credit.Learn more →Second-lien loansSecond-lien (2nd position) business loans of $250K–$5M secured by commercial or residential real estate in the Mountain West and Southwest, subject to combined exposure we’re comfortable with.Learn more →Refinance & partner buyoutReal-estate-secured loans of $250K–$5M to buy out a partner or refinance existing debt in the Mountain West and Southwest. Term sheet in under 5 days.Learn more →Asset-based lendingAsset-based lending of $250K–$5M secured by what your business owns — commercial or residential real estate, or, through our receivables lines, your invoices. Fast term sheets; receivables financing nationwide.Learn more →

See all lending in Phoenix →

Get started

Need bridge loans in Phoenix?

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

Get a term sheet Call (775) 997-8199