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

Fort Collins, CO · Larimer County

Business loans secured by real estate in Fort Collins, Colorado

BuildUp Capital provides real-estate-secured loans of $250K–$5M in Fort Collins and Northern Colorado, funded in under 10 days. Anchored by Colorado State University and a strong tech and brewing economy, the region's growth keeps real estate in demand.

Get a term sheet See loan programs

$250K–$5MLoan size

< 5 daysTo a term sheet

< 10 daysTo close

9 statesWhere we lend

The Fort Collins market

Fort Collins blends a university-driven economy with technology, manufacturing, and a renowned craft-brewing cluster, supporting steady commercial and mixed-use real estate demand across Northern Colorado.

We lend against Fort Collins-area real estate for acquisitions, expansions, and refinances, including the structures banks decline.

Key Fort Collins industries we lend to: University & research · Technology · Manufacturing · Brewing & food · Retail.

Loan programs

What we fund in Fort Collins, 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 Fort Collins

What we lend on

The parameters in Fort Collins

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 Fort Collins? 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 Fort Collins 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

Send your Fort Collins 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 Fort Collins operators choose us

Real collateral, always. Every loan is secured by Larimer County-area real estate we'd be comfortable owning.
Not a loan-to-own shop. We structure every loan around your exit and only fund deals we believe will succeed.
Speed that wins deals. Term sheet in under 5 business days, closed in under 10 — fast enough for most Fort Collins deadlines.
Skin in the game. We invest at least 10% of our own capital in every loan we make.
We know Colorado. We lend only in markets we know firsthand, and Colorado 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.

Common questions

Fort Collins financing questions

Do you lend in Fort Collins, Colorado?

Yes. BuildUp Capital lends across Colorado, including Fort Collins and the rest of Larimer 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 Fort Collins?

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

Do you have a physical office in Fort Collins?

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

Can I use Fort Collins commercial or residential property as collateral?

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

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

Often, yes. A bank "no" in Fort Collins 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 Fort Collins?

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 Northern Colorado beyond Fort Collins?

Yes — Fort Collins, Loveland, Greeley, and the wider Northern Colorado market. Real estate anywhere in Colorado can secure the loan.

Get started

Need capital in Fort Collins?

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

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