St. George, UT · Washington County

Cross-collateralized loans in St. George, UT

Cross-collateralized loans from BuildUp Capital in St. George are a single loan secured by two or more properties — the structure banks decline for complexity, not credit, sized from $100,000 to $10,000,000 and secured by commercial or residential real estate in Utah. Term sheets typically issue within 5 business days, with closing typically around 10 days once diligence items are received.

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$100K–$10MLoan size
~5 business daysTo a term sheet, typically
~10 daysTo close, typically
9 statesWhere we lend

When no single local property fully covers the loan you need, combining several can — and that complexity is exactly what we underwrite. Because we invest our own capital in every loan, we’re selective about what we fund in St. George — and we’d rather tell you straight if the numbers don’t work than leave you waiting.

St. George’s construction & development, hospitality & recreation, and healthcare economy keeps commercial and investment real estate in demand across the area. When the collateral is Utah real estate and the deal has a clear exit, cross-collateralized loans secured by that property is how owners and investors move faster than a conventional process allows.

Key St. George industries we lend to: Construction & development · Hospitality & recreation · Healthcare · Retail · Professional services.

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What we lend on

The parameters in St. George

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.

Own real estate in St. George and need capital? Get an instant read on fit — see if your deal qualifies → (60 seconds, no contact info needed), or send us the whole deal →.

Common questions

Cross-collateralized loans in St. George — common questions

Do you offer cross-collateralized loans in St. George, UT?
Yes. We provide cross-collateralized loans of $100,000–$10,000,000 secured by commercial or residential real estate in St. George and across Utah, with a term sheet typically within 5 business days and closing typically around 10 days once diligence items are received.
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.
Do you lend on hospitality or construction-related property in St. George?
Yes, when secured by real estate with proven demand. St. George’s growth-driven assets are a natural fit for bridge capital.

Cross-collateralized loans in other metros

Other loan programs in St. George

Bridge loansShort-term commercial bridge loans of $100K–$10M secured by real estate, from a private lender in business since 1993.Learn more →Fix & flip loansShort-term fix-and-flip and rehab loans of $100K–$10M for real estate investors in the Mountain West and Southwest.Learn more →Acquisition financingFinance a business acquisition with real-estate-secured bridge capital of $100K–$10M in the Mountain West and Southwest.Learn more →Second-lien loansSecond-lien (2nd position) business loans of $100K–$10M secured by commercial or residential real estate in the Mountain West and Southwest.Learn more →Refinance & partner buyoutReal-estate-secured loans of $100K–$10M to buy out a partner or refinance existing debt in the Mountain West and Southwest.Learn more →Asset-based lendingAsset-based lending — also called asset-backed loans — of $100K–$10M secured by real estate your business already owns, not by its credit score.Learn more →

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