Private money lender for Texas business owners

BuildUp Capital makes business bridge loans of $100,000 to $10,000,000 secured by commercial or residential real estate across Texas, with a term sheet typically within 5 business days and closing typically around 10 days once diligence items are received. We lend in the markets we know firsthand, from the DFW metroplex to the Gulf Coast.

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

The Texas market

Texas runs on small business, and its commercial real estate spans everything from DFW industrial and Houston’s energy-services corridor to fast-growing retail and medical-office along the I-35 spine. That breadth is exactly where bank credit boxes leave good, real-estate-owning operators waiting.

We fund acquisitions, expansions, partner buyouts, and refinances against Texas real estate — including the complex, cross-collateralized, and time-critical deals a bank declines for complexity rather than credit.

Collateral we lend against in Texas

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 Texas

Bridge loans in DallasA 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 DallasA 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 DallasBuildUp 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 DallasA cross-collateralized loan lets you secure a single business loan with two or more properties or assets.Learn more →Second-lien loans in DallasBuildUp 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 DallasBuildUp 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 DallasAsset-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 Texas

Metros we know firsthand

DallasBuildUp Capital provides bridge loans of $100,000 to $10,000,000 secured by commercial or residential real estate in Dallas and the wider DFW metroplex, with a term sheet typically within 5 business days and closing typically around 10 days once diligence items are received.See Dallas lending →HoustonBuildUp Capital provides bridge loans of $100,000 to $10,000,000 secured by commercial or residential real estate in Houston and the surrounding Gulf Coast, funded typically around 10 days once diligence items are received.See Houston lending →
Every city we serve in Texas (140)

Common questions

Borrowing in Texas — what people ask

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