Phoenix, AZ · Maricopa County

Working capital loans in Phoenix, AZ

Working capital loans from BuildUp Capital in Phoenix are working capital secured by the real estate the business owns, in first position, repaid monthly interest-only, sized from $100,000 to $10,000,000 and secured by commercial or residential real estate in Arizona. 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

When a gap opens — a big order, a pulled line, a slow season — the real estate a local business already owns is the collateral that closes it. Because we invest our own capital in every loan, we’re selective about what we fund in Phoenix — and we’d rather tell you straight if the numbers don’t work than leave you waiting.

Phoenix’s semiconductors & advanced manufacturing, logistics & distribution, and healthcare economy keeps commercial and investment real estate in demand across the area. When the collateral is Arizona real estate and the deal has a clear exit, working capital loans secured by that property is how owners and investors move faster than a conventional process allows.

Key Phoenix industries we lend to: Semiconductors & advanced manufacturing · Logistics & distribution · Healthcare · Construction & development · Real estate investment.

See how working capital loans work, end to end →

What we lend on

The parameters in Phoenix

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 positionExisting loans refinanced into ours · Seconds case by case
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 Phoenix 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

Working capital loans in Phoenix — common questions

Do you offer working capital loans in Phoenix, AZ?
Yes. We provide working capital loans of $100,000–$10,000,000 secured by commercial or residential real estate in Phoenix and across Arizona, with a term sheet typically within 5 business days and closing typically around 10 days once diligence items are received.
Do I need real estate to get a working-capital loan?
For a loan from us against property, yes — commercial or residential real estate your business owns, in first position. If you do not own real estate but large companies or government agencies owe you on invoices, our receivables-backed lines of credit are secured by those invoices and available nationwide.
How much working capital can I borrow?
From $100,000 to $10,000,000, sized to the equity in the property and the plan for the money. The fit check on this site gives you a read in about a minute, with no contact details required.
Is Phoenix a good market for fix-and-flip or bridge financing?
Yes — the Valley’s deal velocity and active investor base make it one of our strongest Southwest markets. When the collateral is Arizona real estate and the deal has a clear exit, we’ll give you a straight answer typically within 24 hours.

Working capital loans in other metros

Other loan programs in Phoenix

Cash-out refinanceOne first-position loan of $100K–$10M that pays off your mortgage and releases the equity above it as cash. Term sheets typically within 5 business days.Learn more →Bridge loansShort-term commercial bridge loans of $100K–$10M secured by real estate, from a private lender in business since 1993.Learn more →Fix & flip loansShort-term fix-and-flip and rehab loans of $100K–$10M for real estate investors in the Mountain West and Southwest.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 loansBuildUp lends in first position. A loan behind an existing mortgage is the exception, decided case by case — the usual path is a cash-out refinance.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 working capital loans in Phoenix?

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

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