Fix-and-flip loans for real estate investors

A fix-and-flip loan from BuildUp Capital is short-term, real-estate-secured financing from $100,000 to $10,000,000 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.

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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 — we’d rather tell you straight if the numbers don’t work than watch a project stall.

How it works

Common situations we structure

Acquire and renovate

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.

Renovation capital on a property you own

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.

Bridge to a rental refinance (BRRRR)

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

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 fix & flip loans

What is a fix-and-flip loan?

Short-term, real-estate-secured financing for buying, renovating, and reselling a property. The loan is underwritten on the project — purchase price, rehab budget, and after-repair value — rather than on personal income alone, and it’s structured around your resale or refinance exit.

How fast can a fix-and-flip loan close?

Term sheets typically within 5 business days and closing typically around 10 days once diligence items are received — fast enough to win competitive deals. Speed comes from preparation, not skipped steps.

Do you finance the renovation, not just the purchase?

Yes. We size the loan to the project, including the rehab budget, and secure it against the property. We underwrite the after-repair value and your plan to sell or refinance.

Do you work with first-time flippers?

We fund investors with a sound deal and real estate to secure the loan. We’ll walk a newer investor through the structure and the exit before signing; experience helps, but the project and the numbers lead.

What areas do you lend in?

Commercial and residential real estate in Texas, Colorado, Utah, Nevada, Arizona, Oklahoma, Idaho, Montana, and Wyoming.

By location

Fix & flip loans by metro

More on fix & flip loans

How fix-and-flip loans workFix-and-flip financing funds the purchase and often the rehab of a property you plan to renovate and sell.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 →