Private money lender for Montana business owners

BuildUp Capital makes business bridge loans of $100,000 to $10,000,000 secured by commercial or residential real estate across Montana, with a term sheet typically within 5 business days and closing typically around 10 days once diligence items are received.

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

The Montana market

Montana’s economy spans energy, agriculture, and healthcare, with a fast-growing tourism and technology presence around Bozeman and Billings serving as the state’s commercial hub. Owner-operators here frequently own the real estate their businesses run on.

We fund acquisitions, expansions, and refinances against Montana real estate, including the complex and cross-collateralized deals banks pass on.

Collateral we lend against in Montana

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 Montana

Bridge loansA 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 loansA 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 financingBuildUp Capital finances business acquisitions from $100,000 to $10,000,000 when real estate is part of the deal.Learn more →Cross-collateralized loansA cross-collateralized loan lets you secure a single business loan with two or more properties or assets.Learn more →Second-lien loansBuildUp 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 buyoutBuildUp 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 lendingAsset-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 Montana

Metros we know firsthand

Every city we serve in Montana (6)

Common questions

Borrowing in Montana — what people ask

Is BuildUp Capital a hard money lender in Montana?
If you’re searching for a hard money lender in Montana, 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 Montana loan we make.
How fast can you close on a Montana 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 Montana deal and an answer.
What do you lend on in Montana?
Business-purpose loans of $100,000 to $10,000,000 secured by commercial or residential real estate in 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 Montana?
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 Montana?
Real estate in Montana 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 Montana, 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 Montana deal. A person typically responds within 24 hours.Start here →