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

Denver, CO · Denver County

Business loans secured by real estate in Denver, Colorado

BuildUp Capital makes real-estate-secured business loans of $250K–$5M across metro Denver, with a term sheet in under 5 business days. In a diversified, supply-constrained Front Range market, certainty of close is a real competitive edge.

Get a term sheet See loan programs

$250K–$5MLoan size

< 5 daysTo a term sheet

< 10 daysTo close

9 statesWhere we lend

The Denver market

Denver's economy — tech, aerospace, healthcare, energy, and a deep small-business base — pairs with constrained commercial supply to keep real estate values resilient and deals competitive. Owners who need to move quickly often can't wait out a bank.

We fund acquisitions, expansions, and refinances against Denver-area real estate, including cross-collateralized and second-lien structures.

Key Denver industries we lend to: Technology · Aerospace · Healthcare · Energy · Cannabis-adjacent real estate.

Loan programs

What we fund in Denver, CO

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 Denver

What we lend on

The parameters in Denver

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 Denver? 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 Denver 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 Denver 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

What sets us apart in Denver County

Not a loan-to-own shop. We structure every loan around your exit and only fund deals we believe will succeed.
A person within 24 hours. No call center, no automated maybe — a real answer, fast.
Speed that wins deals. Term sheet in under 5 business days, closed in under 10 — fast enough for most Denver 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.

Common questions

Denver financing questions

Do you lend in Denver, Colorado?

Yes. BuildUp Capital lends across Colorado, including Denver and the rest of Denver 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 Denver?

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

Do you have a physical office in Denver?

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

Can I use Denver commercial or residential property as collateral?

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

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

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

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.

Do you serve the wider Denver metro and Front Range?

Yes — Denver and the surrounding Front Range communities. Real estate anywhere in Colorado can secure the loan.

Get started

Need capital in Denver?

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

More Colorado cities we lend in

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