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

Gilbert, AZ · Maricopa County

Bridge loans in Gilbert, Arizona

BuildUp Capital lends $250K–$5M against real estate in Gilbert, with a term sheet in under 5 business days. One of the fastest-growing communities in the country, Gilbert pairs a young, affluent population with expanding healthcare and commercial demand.

Get a term sheet See loan programs

$250K–$5MLoan size

< 5 daysTo a term sheet

< 10 daysTo close

9 statesWhere we lend

The Gilbert market

Gilbert's rapid, master-planned growth, healthcare anchors, and growing professional-services base drive demand for medical-office, retail, and mixed-use real estate across the southeast Valley.

We fund acquisitions, fix-and-flips, expansions, and refinances against Gilbert-area real estate, including the structures banks pass on for complexity.

Key Gilbert industries we lend to: Healthcare · Master-planned development · Professional services · Retail · Technology.

Loan programs

Loan programs for Gilbert operators

Bridge loansShort-term capital secured by real estate, structured around a clear exit.Learn more →Fix & flip loansBuy, renovate, and resell — underwritten on the project and the after-repair value.Learn more →Acquisition financingBuy a business — close on the seller’s deadline, then refinance.Learn more →Cross-collateralized loansUse multiple properties to secure one loan — what banks decline for complexity.Learn more →Second-lien loansRaise capital behind a low-rate first mortgage without refinancing it.Learn more →Refinance & partner buyoutRetire maturing debt or buy out a partner, secured by real estate.Learn more →Asset-based lendingBorrow against what you own — real estate or business assets, not your credit score.Learn more →Declined by the bank?A bank or SBA “no” is usually about complexity or timing — not your business.Learn more →

By program

Loan programs in Gilbert

What we lend on

The parameters in Gilbert

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.

Searching for a hard money lender in Gilbert? Experienced operators usually choose a private bridge lender instead — comparable speed and flexibility, but underwriting that weighs the business and the exit, not just the collateral.

Own real estate in Gilbert 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 →.

How it works

Our process, step by step

Submit

Send your Gilbert deal summary — the property, the amount, and your timeline. Ten minutes, no paperwork marathon.

We respond

A real person calls within 24 hours. Straight questions, straight answers.

Term sheet

A term sheet in under 5 business days — transparent pricing, no bait-and-switch.

Funded

Close in under 10 days. We plan your exit from day one.

Why BuildUp

Why work with BuildUp in Gilbert

Speed that wins deals. Term sheet in under 5 business days, closed in under 10 — fast enough for most Gilbert deadlines.
Skin in the game. We invest at least 10% of our own capital in every loan we make.
Transparent pricing. 10–18% priced to the risk, with the fees on the table — no surprises at closing.
Deals banks won't touch. Complex entities, cross-collateral, and financials that need interpretation — complexity isn't weakness.
We know Arizona. We lend only in markets we know firsthand, and Arizona is one of them.
Operators, not bankers. We've built, bought, and run businesses, so we read your deal as a business plan — not just a collateral file.

Common questions

Gilbert financing questions

Do you lend in Gilbert, Arizona?

Yes. BuildUp Capital lends across Arizona, including Gilbert and the rest of Maricopa County, against commercial or residential real estate — business-purpose loans from $250,000 to $5,000,000.

How fast can you fund a loan in Gilbert?

Fast: a term sheet in under 5 business days and funding in under 10. Speed in Gilbert comes from preparation, not skipped steps.

Do you have a physical office in Gilbert?

We're online and statewide, not a storefront in Gilbert. That's how we move faster than a local bank while still underwriting every deal by hand.

Can I use Gilbert commercial or residential property as collateral?

Commercial or residential — both work. Gilbert-area real estate can secure the loan, including cross-collateralized structures across several properties.

What if my Gilbert business was declined by a bank or SBA?

Often, yes. A bank "no" in Gilbert is usually about a checklist, not your business — and complex, time-critical deals are exactly what we underwrite.

Are you a hard money lender in Gilbert?

No — we're a private bridge lender. Hard money lenders underwrite collateral alone; we weigh the business and the exit too, and we invest our own capital in every loan.

Is Gilbert's rapid growth a fit for bridge capital?

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

Get started

Need capital in Gilbert?

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

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