Refinance debt or buy out a partner

BuildUp Capital provides $100,000–$10,000,000 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.

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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$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 refinance & partner buyout

What is a partner-buyout loan?

A partner-buyout loan provides the capital to buy out a departing business partner’s stake; a refinance loan retires existing or maturing debt. When real estate backs the business, BuildUp funds either from $100,000 to $10,000,000 and structures the loan around a clear refinance exit — closing fast enough to keep a transition on schedule.

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 sheets typically within 5 business days and closing typically around 10 days once diligence items are received.

By location

Refinance & partner buyout by metro

More on refinance & partner buyout

What a federal trustee learned about why deals failHard-won lessons from unwinding complex situations — and how they shape disciplined underwriting.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 →