A cross-collateralized loan lets you secure a single business loan with two or more properties or assets. BuildUp Capital structures these from $250,000 to $5,000,000 in Texas, Colorado, Utah, Nevada, Arizona, Oklahoma, Idaho, Montana, and Wyoming — a structure most banks decline for complexity rather than credit, and exactly the kind of deal we underwrite.
When no single property fully covers the loan you need, combining several can. Cross-collateralization spreads the security across your real estate, letting us size the loan to the business instead of to one building.
This is a hallmark of the deals banks won’t touch. Their checklist stops at complexity; ours doesn’t — provided every property is real collateral we’d be comfortable owning.
Banks decline complexity, not just credit. Our team has spent decades inside operating businesses, so the situations that stop a bank’s checklist are the ones we know how to underwrite.
Complex isn’t the same as weak. We decline weak deals. We underwrite complex ones.
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