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Refinance debt or buy out a partner

BuildUp Capital provides $250,000–$5,000,000 in real-estate-secured capital to buy out a business partner or refinance existing debt in Texas, Colorado, Utah, Nevada, Arizona, Oklahoma, Idaho, Montana, and Wyoming. We structure the loan around a clear exit and close fast enough to keep a transition on schedule.

Succession, a departing partner, or a maturing note can all force a capital event on a tight timeline. When real estate backs the business, we can fund the buyout or refinance and give you room to execute.

We plan the exit on day one — typically a refinance into long-term debt once the new structure is operating cleanly.

How it works

Common situations we structure

Buy out a departing partner

The situation: a partner exiting and a deadline to fund their stake. Our structure: real-estate-secured capital sized to the buyout. The exit: refinance once you control the business outright.

Refinance a maturing note

The situation: a balloon coming due before permanent financing is ready. Our structure: a bridge that retires the maturing debt. The exit: the long-term refinance, on your timeline.

Succession and transition

The situation: ownership changing hands across a transition year. Our structure: capital secured by the company’s real estate. The exit: conventional debt once the numbers normalize.

What we lend on

The parameters

Loan size$250K – $5M
Term6 – 18 months
Rates10 – 18%Transparent, risk-based pricing — no hidden fees, no surprises at closing
Fees1 – 4%Origination fee, disclosed up front · 1% referral fee
Speed<10 daysTerm sheet in under 5 business days
CollateralCommercial / ResidentialReal estate with proven market demand
Lien positionFirst or secondCross-collateralization available
GeographyTX · CO · UT · NVMarkets we know firsthand

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

Questions about refinance & partner buyout

Can I borrow to buy out a business partner?
Yes, when real estate secures the loan. We size the capital to the buyout and structure it around a clear refinance exit.
Can you refinance existing business debt?
Yes — including maturing notes and balloons. We bridge to your permanent financing rather than leaving you exposed at maturity.
How fast can a buyout or refinance close?
Term sheet in under 5 business days and closing in under 10 days from submission.

By location

Refinance & partner buyout by metro

Further reading

More on refinance & partner buyout

Where we lend & what to read next