Use multiple properties as collateral for one loan

A cross-collateralized loan lets you secure a single business loan with two or more properties or assets. BuildUp Capital structures these from $100,000 to $10,000,000 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.

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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 the kind of creative structure we like. A standard credit box stops at complexity; our underwriting doesn’t — provided every property is real collateral we’d be comfortable owning.

We like creative deals — and we have the expertise to make them work.

Complex isn’t a problem to us; it’s the work. A bank’s underwriting has to fit a standard box, so a deal with moving parts often can’t be underwritten there at all. Our team has spent decades inside operating businesses, so the situations that stop a checklist are the ones we know how to structure.

Cross-collateralized structuresMultiple properties or assets securing one loan — we structure what the bank’s box can’t hold.
Complex entities & ownershipMulti-entity structures, partnerships, trusts, buyouts mid-transition — we’ve untangled harder.
Financials that need interpretationAdd-backs, transition years, seller statements — we read the business behind the numbers, not just the numbers.
First time taking on debtWe’ll help you understand the structure, the obligations, and the exit — before you sign, not after.
Bank-declined, time-critical deals“Not yet” from the bank doesn’t mean “no” from the market. It usually just means the clock is running.
Real collateral, alwaysEvery structure above is still secured by real estate we’d be comfortable owning. That part never flexes.

Complex isn’t the same as weak. We decline weak deals. We underwrite complex ones.

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 cross-collateralized loans

What is a cross-collateralized loan?
A cross-collateralized loan secures a single business loan with two or more properties or assets instead of one. When no single property fully covers the capital you need, combining several lets a lender size the loan to your business. BuildUp structures these from $100,000 to $10,000,000 — a deal most banks decline for complexity, not credit.
Can I use two or more properties as collateral for one loan?
Yes. We routinely structure cross-collateralized loans where multiple properties or assets secure a single loan, letting us size the loan to the business rather than to one asset.
Why do banks decline cross-collateralized deals?
Usually for complexity, not credit. Multiple liens, multiple titles, and mixed asset types fall outside a standard credit box — which is precisely the complexity we’re built to underwrite.
What kinds of properties can be combined?
Commercial or residential real estate with proven market demand, in Texas, Colorado, Utah, Nevada, Arizona, Oklahoma, Idaho, Montana, or Wyoming. Every property has to be collateral we’d be comfortable owning.

By location

Cross-collateralized loans by metro

Further reading

More on cross-collateralized loans

Cross-collateralized loans, explainedWhen one property doesn’t cover the capital you need, you can secure a single loan with several.Read →Cross-collateralized business loans: using multiple properties as collateralWhen no single property covers the loan you need, combining several can. Here’s how it works.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 →