Private money lender for Colorado business owners

BuildUp Capital is a private money lender making business loans of $100,000 to $10,000,000 secured by Colorado real estate. Searching for a hard money lender in Colorado? Experienced operators usually choose a private lender instead — comparable speed, with underwriting that weighs the business and the exit. We lend statewide, including Denver, Colorado Springs, Aurora, and Fort Collins. Lending since 1993, and we invest our own capital in every loan we make.

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Since 1993 · We invest our own capital in every loan we make

The Colorado market

Colorado’s Front Range pairs a fast-growing population with constrained commercial supply, keeping real estate values resilient and deal timelines tight. Owners who need to move quickly often can’t wait out a bank.

We lend against Colorado real estate for acquisitions, expansions, and refinances — including the cross-collateralized and complex-entity deals banks pass on.

Why private capital works in Colorado

There’s a structural reason private capital works well in Colorado: the state’s Public Trustee system — a neutral county officer, unique in the country, administers deeds of trust rather than leaving everything to the courts. Security instruments here are standardized and predictable, which is why private lenders can underwrite Colorado collateral quickly and commit with confidence. For a borrower, that certainty shows up as speed.

Collateral we lend against in Colorado

Retail and mixed-use, industrial and flex, medical and professional office, hospitality, multi-tenant, land with a plan, and residential — including personal real estate an owner chooses to pledge on a business-purpose loan — plus vacant or partially leased buildings that a bank’s checklist won’t hold. If your business owns it and there’s a credible exit, it’s worth a conversation.

No real estate? Our receivables-backed lines of credit and factoring are secured by invoices instead, and they’re available nationwide — not only in the nine states where we lend against property. See receivables financing

Loan programs available across Colorado

Bridge loans in DenverA bridge loan from BuildUp Capital is short-term, real-estate-secured business financing from $100,000 to $10,000,000, with 6–18 month terms and rates from 10%, priced to the risk.Learn more →Fix & flip loans in DenverA fix-and-flip loan from BuildUp Capital is short-term, real-estate-secured financing from $100,000 to $10,000,000 for investors buying, renovating, and reselling property.Learn more →Acquisition financing in DenverBuildUp Capital finances business acquisitions from $100,000 to $10,000,000 when real estate is part of the deal.Learn more →Cross-collateralized loans in DenverA cross-collateralized loan lets you secure a single business loan with two or more properties or assets.Learn more →Second-lien loans in DenverBuildUp Capital lends in second lien position against commercial or residential real estate, from $100,000 to $10,000,000, subject to the combined exposure we’re comfortable with on the asset.Learn more →Refinance & partner buyout in DenverBuildUp Capital provides $100,000–$10,000,000 in real-estate-secured capital to buy out a business partner or refinance existing debt in Texas, Colorado, Utah, Nevada, Arizona, Oklahoma, Idaho, Montana, and Wyoming.Learn more →Asset-based lending in DenverAsset-based lending — also called an asset-backed loan — lets a business borrow against its assets rather than its credit score.Learn more →

Where we lend in Colorado

Metros we know firsthand

DenverBuildUp Capital provides bridge loans of $100,000 to $10,000,000 secured by commercial or residential real estate in metro Denver, with a term sheet typically within 5 business days and closing typically around 10 days once diligence items are received.See Denver lending →Colorado SpringsBuildUp Capital provides bridge loans of $100,000 to $10,000,000 secured by commercial or residential real estate in Colorado Springs and El Paso County, funded typically around 10 days once diligence items are received.See Colorado Springs lending →
Every city we serve in Colorado (28)

Common questions

Borrowing in Colorado — what people ask

Is BuildUp Capital a hard money lender in Colorado?
If you’re searching for a hard money lender in Colorado, you’ll likely find our terms comparable — but we’re a private lender building custom structures, not a traditional hard-money shop. Hard money underwrites the collateral alone; we underwrite the business, the exit plan, and the collateral, and we invest our own capital in every Colorado loan we make.
How fast can you close on a Colorado property?
Term sheets typically issue within 5 business days, with closing typically around 10 days once diligence items are received. We’re a direct lender — the decision and the capital are ours — so there’s no committee between your Colorado deal and an answer.
What do you lend on in Colorado?
Business-purpose loans of $100,000 to $10,000,000 secured by commercial or residential real estate in Denver and Colorado Springs — and statewide. Bridge, acquisition, cross-collateralized, second-lien, refinance, and partner-buyout structures, in first or second lien position.
What does a BuildUp loan cost in Colorado?
Rates from 10%, priced to the risk in each deal, with a 1–4% origination fee stated in your term sheet before you proceed. Payments are monthly, interest-only across a 6–18 month term. Once you accept the term sheet, we collect an underwriting deposit before diligence begins, and it is credited toward your closing costs at closing. It exists so both sides are committing real resources to a deal we intend to close — the amount is stated in your term sheet before you sign anything. Rates depend on term, collateral, lien position, and borrower profile, and are subject to change. Not every borrower qualifies for the lowest rate.
What are the qualifications for a private money loan in Colorado?
Real estate in Colorado that your business owns (or is acquiring), a business purpose for the capital, a credible exit inside 6–18 months, and generally a 650+ credit score. Complexity in the financials is fine — add-backs, transition years, and multi-entity structures are normal in real businesses. What doesn’t work is a missing plan.
Can I pledge property I occupy, or my home, as collateral?
Yes — including property your own business occupies, which most private lenders won’t touch because their model is investor-only. We underwrite the operating business and its exit alongside the building. Owners also pledge personal real estate, a home included, when they choose to: these are business-purpose loans, not consumer mortgages, and the collateral decision is yours to make with your advisers. If you qualify, you’ll know quickly. If you don’t, we’ll help you understand where to go next.
Do you check credit?
No credit pull to see your result — the fit check on this site pulls nothing and doesn’t affect your credit. Credit is reviewed later in underwriting, as it is with any lender; we just don’t make you surrender a credit pull to find out whether we’re a fit at all.
Declined by the bank or SBA?What a “no” really means in Colorado, and what to do next.Read the guide →Refer a clientBrokers, bankers, CPAs, and attorneys — fees protected in writing.Partner with us →See if you qualifyTell us about your Colorado deal. A person typically responds within 24 hours.Start here →