Tempe, AZ · Maricopa County

Bridge loans in Tempe, Arizona

BuildUp Capital provides bridge loans of $250,000 to $5,000,000 secured by commercial or residential real estate in Tempe, Arizona (Maricopa County) — term sheet in under 5 business days, closed in under 10. We underwrite the business and the exit, not just the collateral, and we invest our own money in every loan.

Get a term sheet See loan programs

$250K–$5MLoan size

< 5 daysTo a term sheet

< 10 daysTo close

9 statesWhere we lend

Loan programs

What we fund in Tempe, AZ

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 →

What we lend on

The parameters in Tempe

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 Tempe, 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 Tempe 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 Tempe 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 Tempe operators choose us

A person within 24 hours. No call center, no automated maybe — a real answer, fast.
Skin in the game. We invest at least 10% of our own capital in every loan we make.
Speed that wins deals. Term sheet in under 5 business days, closed in under 10 — fast enough for most Tempe deadlines.
Deals banks won't touch. Complex entities, cross-collateral, and financials that need interpretation — complexity isn't weakness.
Operators, not bankers. We've built, bought, and run businesses, so we read your deal as a business plan — not just a collateral file.
Transparent pricing. 10–18% priced to the risk, with the fees on the table — no surprises at closing.

Common questions

Tempe financing questions

Do you lend in Tempe, Arizona?

Yes. BuildUp Capital lends across Arizona, including Tempe 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 Tempe?

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

Do you have a physical office in Tempe?

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

Can I use Tempe commercial or residential property as collateral?

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

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

Often, yes. A bank "no" in Tempe 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 Tempe?

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.

Get started

Need capital in Tempe?

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