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

Scottsdale, AZ · Maricopa County

Business loans secured by real estate in Scottsdale, Arizona

BuildUp Capital provides real-estate-secured loans of $250K–$5M in Scottsdale, funded in under 10 days. Home to an affluent, hospitality- and healthcare-driven economy, Scottsdale's commercial real estate stays tightly held and competitive.

Get a term sheet See loan programs

$250K–$5MLoan size

< 5 daysTo a term sheet

< 10 daysTo close

9 statesWhere we lend

The Scottsdale market

Scottsdale's resort and hospitality core, medical and bioscience cluster, and high-end professional-services base keep office, retail, and mixed-use real estate in strong demand. Sophisticated owners here expect a lender who can match a fast, deadline-driven deal.

We fund acquisitions, partner buyouts, and refinances against Scottsdale-area real estate, including complex-entity and cross-collateralized structures.

Key Scottsdale industries we lend to: Hospitality & resorts · Healthcare & bioscience · Professional services · Retail · Real estate investment.

Loan programs

Loan programs for Scottsdale 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 Scottsdale

What we lend on

The parameters in Scottsdale

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.

Many Scottsdale borrowers start by searching "hard money lender." We're a private bridge lender — comparable terms, more partnership-oriented underwriting, and a close in under 10 days.

Own real estate in Scottsdale 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

Submit

Tell us about your Scottsdale deal — collateral, use of funds, timeline. About 10 minutes.

We respond

Within 24 hours a member of our team calls you — no call center, no automated maybe.

Term sheet

Clear terms in under 5 business days. What we quote is what we close.

Funded

Funded in under 10 days, with an exit we mapped before the first dollar moved.

Why BuildUp

Why Scottsdale operators choose us

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.
A person within 24 hours. No call center, no automated maybe — a real answer, fast.
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.
Real collateral, always. Every loan is secured by Maricopa County-area real estate we'd be comfortable owning.

Common questions

Lending in Scottsdale

Do you lend in Scottsdale, Arizona?

Yes — Scottsdale is squarely in our footprint. We make real-estate-secured loans of $250K–$5M throughout Arizona, including Maricopa County.

How fast can you fund a loan in Scottsdale?

Term sheet in under 5 business days and closing in under 10 days from submission — fast enough for most Scottsdale deadlines. A member of our team responds within 24 hours.

Do you have a physical office in Scottsdale?

No — we don't operate a branch in Scottsdale. We lend across Arizona and a real person responds within 24 hours, so you get bank-grade underwriting without the bank's timeline.

Can I use Scottsdale commercial or residential property as collateral?

Yes. We lend in first or second lien position against commercial or residential real estate in and around Scottsdale, and we structure cross-collateralized loans across multiple properties.

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

A decline usually reflects complexity or timing, not the quality of your business. We regularly fund Scottsdale deals that banks and SBA lenders pass on, provided they're secured by real estate in Arizona.

Are you a hard money lender in Scottsdale?

We're a private bridge lender, not a hard money shop. The terms are comparable in Scottsdale, but our underwriting is built around your success, not your keys.

Do you finance hospitality or medical-office property in Scottsdale?

Yes, when secured by real estate with proven demand. Scottsdale's hospitality and medical-office assets are a natural fit for bridge capital.

Get started

Need capital in Scottsdale?

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

Other cities we serve in Arizona

See all cities in Arizona →