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

Phoenix, AZ · Maricopa County

Secured business loans in Phoenix, Arizona

BuildUp Capital makes real-estate-secured business loans of $250K–$5M across metro Phoenix, with a term sheet in under 5 business days. One of the country's fastest-growing metros, the Valley pairs heavy in-migration with constant construction and repositioning — a market where deal velocity rewards a lender who can actually close on a deadline.

Get a term sheetSee loan programs
$250K–$5MLoan size
< 5 daysTo a term sheet
< 10 daysTo close
9 statesWhere we lend

The Phoenix market

Phoenix has diversified far beyond housing into semiconductors, advanced manufacturing, logistics, and healthcare, all of which keep commercial, industrial, and residential investment real estate in heavy demand across Maricopa County. Well-located assets move quickly, so an owner or investor who can't wait out a conventional process often turns to real-estate-secured bridge capital.

We fund acquisitions, fix-and-flips, expansions, and refinances against Phoenix-area real estate — including the cross-collateralized and complex-entity structures banks decline for complexity rather than credit.

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

Loan programs

How we lend in Phoenix

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 Phoenix

What we lend on

The parameters in Phoenix

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.

If you've been looking for a hard money lender in Phoenix, Arizona, here's the difference: we're a private bridge lender. Similar speed, but we underwrite your deal and invest our own capital alongside you.

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 get a term sheet →.

How it works

From inquiry to funded

01

Submit

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

02

We respond

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

03

Term sheet

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

04

Funded

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

Why BuildUp

What sets us apart in Maricopa County

Common questions

Phoenix financing questions

Do you lend in Phoenix, Arizona?
Yes. BuildUp Capital lends across Arizona, including Phoenix 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 Phoenix?
Fast: a term sheet in under 5 business days and funding in under 10. Speed in Phoenix comes from preparation, not skipped steps.
Do you have a physical office in Phoenix?
We're online and statewide, not a storefront in Phoenix. That's how we move faster than a local bank while still underwriting every deal by hand.
Can I use Phoenix commercial or residential property as collateral?
Commercial or residential — both work. Phoenix-area real estate can secure the loan, including cross-collateralized structures across several properties.
What if my Phoenix business was declined by a bank or SBA?
Often, yes. A bank "no" in Phoenix 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 Phoenix?
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 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 within 24 hours.

Get started

Need capital in Phoenix?

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 sheetCall (775) 997-8199

More Arizona cities we lend in

See all cities in Arizona →