Where we lend
BuildUp Capital makes business-purpose loans of $100,000 to $10,000,000 secured by commercial or residential real estate across Texas, Colorado, Utah, Nevada, Arizona, Oklahoma, Idaho, Montana, and Wyoming — 289 cities and counting. Choose your state to find your city.
Why we lend in nine states and not fifty
A real-estate-secured loan is only as good as the lender’s read on the collateral, and that read is local. What a building is worth, how quickly it sells, who the credible buyers are, and what a foreclosure actually takes are all questions with different answers in Dallas than in Boise. We lend where we have seen enough cycles to answer them without guessing.
That is also why the list is nine states rather than a map with gaps. Each one is a market where we underwrite the business, the property, and the exit ourselves. Term sheets typically issue within 5 business days, with closing typically around 10 days once diligence items are received.
If your property sits outside these nine, we are not the right lender for a real-estate loan, and we will tell you that quickly rather than after weeks of process. Our receivables-backed lines of credit and invoice factoring are secured by invoices owed to you rather than by property, and those are available nationwide.
By program
What we lend on, in every state
The same programs are available across all nine states. The collateral and the exit change by market; the structures don’t.
Get started
Own property in one of these nine states?
Seven questions and you get a straight read on fit — no contact details needed to see your result, and then a straight answer, typically within 24 hours.