Second-lien loans in Meridian, ID

Second-lien loans from BuildUp Capital in Meridian are second-position capital that raises money behind a first mortgage worth keeping, sized from $250,000 to $5,000,000 and secured by commercial or residential real estate in Idaho. We issue a term sheet in under 5 business days and close in under 10.

Get a term sheet Call (775) 997-8199

$250K–$5MLoan size

< 5 daysTo a term sheet

< 10 daysTo close

9 statesWhere we lend

When a low-rate first mortgage is worth keeping, a second lien raises capital here without disturbing it. Because we invest our own capital in every loan, a term sheet from us in Meridian means the deal is getting done — and we'd rather tell you straight if the numbers don't work.

Meridian's healthcare, retail & commercial, and construction & development 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, second-lien loans secured by that property is how owners and investors move faster than a conventional process allows.

Key Meridian industries we lend to: Healthcare · Retail & commercial · Construction & development · Professional services · Technology.

See how second-lien loans work, end to end →

What we lend on

The parameters in Meridian

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.

Own real estate in Meridian and need capital? Get an instant read on fit — see if your deal qualifies → (60 seconds, no contact info needed), or get a term sheet →.

Common questions

Second-lien loans in Meridian — common questions

Do you offer second-lien loans in Meridian, ID?

Yes. We provide second-lien loans of $250,000–$5,000,000 secured by commercial or residential real estate in Meridian and across Idaho, with a term sheet in under 5 business days and closing in under 10.

Do you take second lien positions?

Yes. We lend in first or second lien position against commercial or residential real estate, subject to the combined exposure we’re comfortable with on the asset.

Why use a second lien instead of refinancing?

If your first mortgage carries a rate worth keeping, a second lien raises capital without refinancing the whole balance — often the cheaper path for a short-term need.

Is Meridian's rapid growth a fit for bridge or fix-and-flip capital?

Very much so. In a fast-growing market like Meridian, a term sheet in under 5 days and a close in under 10 keeps deals moving.

Second-lien loans in other metros

Other loan programs in Meridian

Bridge loansShort-term commercial bridge loans of $250K–$5M secured by real estate in the Mountain West and Southwest. Term sheet in under 5 days, closed in under 10.Learn more →Fix & flip loansShort-term fix-and-flip and rehab loans of $250K–$5M for real estate investors in the Mountain West and Southwest. Underwritten on the project, closed in days, structured around your resale or refinance exit.Learn more →Acquisition financingFinance a business acquisition with real-estate-secured bridge capital of $250K–$5M in the Mountain West and Southwest. Close on the seller’s timeline, then refinance.Learn more →Cross-collateralized loansUse multiple properties or assets to secure a single business loan of $250K–$5M in the Mountain West and Southwest — a structure most banks decline for complexity, not credit.Learn more →Refinance & partner buyoutReal-estate-secured loans of $250K–$5M to buy out a partner or refinance existing debt in the Mountain West and Southwest. Term sheet in under 5 days.Learn more →Asset-based lendingAsset-based lending of $250K–$5M secured by what your business owns — commercial or residential real estate, or, through our receivables lines, your invoices. Fast term sheets; receivables financing nationwide.Learn more →

See all lending in Meridian →

Get started

Need second-lien loans in Meridian?

Tell us about your deal and you’ll hear from a real person within 24 hours — with a straight answer, not an automated maybe.

Get a term sheet Call (775) 997-8199