Austin, TX · Hays County
Business loans secured by real estate in Austin, Texas
BuildUp Capital lends $100K–$10M against real estate in Austin and the surrounding Hill Country, with a term sheet typically within 5 business days. In one of the fastest-growing metros in the country, capital that closes on time is often the difference between winning a deal and losing it.
The Austin market
Austin’s tech-led growth, in-migration, and constrained supply keep commercial and mixed-use real estate values resilient and competitive. Operators acquiring, expanding, or repositioning here frequently can’t wait out a conventional process.
We fund real-estate-secured acquisitions, partner buyouts, and refinances across the Austin metro, including the complex structures banks decline.
Key Austin industries we lend to: Technology · Mixed-use & retail · Hospitality · Professional services · Construction.
Loan programs
What we fund in Austin, TX
What we lend on
The parameters in Austin
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 Austin? 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 Austin 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 Austin 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 Austin operators choose us
- We know Texas. We lend only in markets we know firsthand, and Texas is one of them.
- Skin in the game. We invest at least 10% of our own capital in every loan we make.
- 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 Austin deadlines.
- Not a loan-to-own shop. We structure every loan around your exit and only fund deals we believe will succeed.
- Real collateral, always. Every loan is secured by Hays County-area real estate we’d be comfortable owning.
- Complex situations, underwritten. Complex entities, cross-collateral, and financials that need interpretation — a standard credit box can’t hold them; we can.
Common questions
Austin financing questions
Do you lend in Austin, Texas?
How fast can you fund a loan in Austin?
Do you have a physical office in Austin?
Can I use Austin commercial or residential property as collateral?
What if my Austin business was declined by a bank or SBA?
Are you a hard money lender in Austin?
Is Austin’s competitive market a problem for financing speed?
Get started
Need capital in Austin?
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.