Fort Collins, CO · Larimer County
Business loans secured by real estate in Fort Collins, Colorado
BuildUp Capital provides real-estate-secured loans of $100K–$10M in Fort Collins and Northern Colorado, funded typically around 10 days once diligence items are received. Anchored by Colorado State University and a strong tech and brewing economy, the region’s growth keeps real estate in demand.
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
What we lend on
The parameters in Fort Collins
Our rates reflect short-term bridge capital. These loans are structured to be refinanced into long-term debt — often back at your bank — within the loan term. We plan that exit with you from day one. Rates depend on term, collateral, lien position, and borrower profile, and are subject to change. Not every borrower qualifies for the lowest rate.
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 send us the whole deal →.
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 typically calls within 24 hours. Straight questions, straight answers.
Term sheet
A term sheet typically within 5 business days — transparent pricing, no bait-and-switch.
Funded
Closing typically around 10 days once diligence items are received. 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 sheets typically within 5 business days, with closing typically around 10 days once diligence items are received — 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?
How fast can you fund a loan in Fort Collins?
Do you have a physical office in Fort Collins?
Can I use Fort Collins commercial or residential property as collateral?
What if my Fort Collins business was declined by a bank or SBA?
Are you a hard money lender in Fort Collins?
Do you serve Northern Colorado beyond Fort Collins?
Get started
Need capital in Fort Collins?
Tell us about your deal and you’ll hear from a real person, typically within 24 hours — with a straight answer, not an automated maybe.