Bridge capital for small businessSpeak with our team: (775) 997-8199

San Antonio, TX · Bexar County

Second-lien loans in San Antonio, TX

Second-lien loans from BuildUp Capital in San Antonio 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 Texas. We issue a term sheet in under 5 business days and close in under 10.

$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 San Antonio means the deal is getting done — and we'd rather tell you straight if the numbers don't work.

San Antonio's military & defense, healthcare & bioscience, and tourism economy keeps commercial and investment real estate in demand across the area. When the collateral is Texas 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 San Antonio industries we lend to: Military & defense · Healthcare & bioscience · Tourism · Manufacturing · Distribution.

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

What we lend on

The parameters in San Antonio

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 San Antonio 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 San Antonio — common questions

Do you offer second-lien loans in San Antonio, TX?
Yes. We provide second-lien loans of $250,000–$5,000,000 secured by commercial or residential real estate in San Antonio and across Texas, 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.
Do you lend on medical-office or mixed-use property in San Antonio?
Yes. Commercial or residential real estate in San Antonio can secure a loan, including medical-office and mixed-use assets with proven demand.

Second-lien loans in other metros

Other loan programs in San Antonio

See all lending in San Antonio

Get started

Need second-lien loans in San Antonio?

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