Boise, ID

Fix & flip loans in Boise, ID

Fix & flip loans from BuildUp Capital in Boise are short-term capital to buy, renovate, and resell investment property, underwritten on the project and its after-repair value, sized from $100,000 to $10,000,000 and secured by commercial or residential real estate in Idaho. 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

In a competitive local market, the investor who can close wins the deal — so we move on the project, not just the borrower. Because we invest our own capital in every loan, we’re selective about what we fund in Boise — and we’d rather tell you straight if the numbers don’t work than leave you waiting.

Boise’s technology, manufacturing, and healthcare economy keeps commercial and investment real estate in demand across the area. When the collateral is Idaho real estate and the deal has a clear exit, fix & flip loans secured by that property is how owners and investors move faster than a conventional process allows.

Key Boise industries we lend to: Technology · Manufacturing · Healthcare · Outdoor recreation · Construction.

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What we lend on

The parameters in Boise

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 Boise 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

Fix & flip loans in Boise — common questions

Do you offer fix & flip loans in Boise, ID?
Yes. We provide fix & flip loans of $100,000–$10,000,000 secured by commercial or residential real estate in Boise and across Idaho, with a term sheet typically within 5 business days and closing typically around 10 days once diligence items are received.
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 serve the wider Treasure Valley from Boise?
Yes — Boise, Meridian, Nampa, and the surrounding Treasure Valley. Real estate anywhere in Idaho can secure the loan.

Fix & flip loans in other metros

Other loan programs in Boise

Bridge loansShort-term commercial bridge loans of $100K–$10M secured by real estate, from a private lender in business since 1993.Learn more →Acquisition financingFinance a business acquisition with real-estate-secured bridge capital of $100K–$10M in the Mountain West and Southwest.Learn more →Cross-collateralized loansUse multiple properties or assets to secure a single business loan 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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Need fix & flip loans in Boise?

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