A fix-and-flip loan from BuildUp Capital is short-term, real-estate-secured financing from $250,000 to $5,000,000 for investors buying, renovating, and reselling property. We underwrite the project — the purchase, the rehab budget, and the after-repair value — and close fast enough to win the deal, with a term structured around your resale or refinance exit. Often called hard money, but read like a business plan.
Flips live and die on speed and certainty. The deal you want is the deal three other investors want, and the seller takes the offer that closes — not the one waiting on a slow lender. We move on the project: the acquisition, the renovation plan, and the after-repair value, secured by the property itself.
We invest our own capital in every loan, so we only fund flips we believe will sell or refinance. That discipline is the point — a term sheet from us means the deal is getting done, and we’d rather tell you straight if the numbers don’t work than watch a project stall.
How it works
The situation: a property to buy and rehab on a tight closing window. Our structure: short-term capital secured by the asset, sized to the purchase and the rehab plan. The exit: resale, or a refinance into a rental loan once it’s stabilized.
The situation: a project already owned that needs rehab funds to finish and sell. Our structure: a loan against the real estate to fund the work. The exit: the sale, or a refinance once value is created.
The situation: a buy-rehab-rent-refinance plan that needs short-term capital up front. Our structure: a bridge against the property through the rehab. The exit: refinance into long-term rental debt once it’s leased and seasoned.
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
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