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El Paso, TX · El Paso County

Business loans secured by real estate in El Paso, Texas

BuildUp Capital provides real-estate-secured loans of $250K–$5M in El Paso, funded in under 10 days. A major border-trade, logistics, and manufacturing hub, El Paso's cross-border economy creates deal flow that often moves faster than conventional financing.

$250K–$5MLoan size
< 5 daysTo a term sheet
< 10 daysTo close
9 statesWhere we lend

The El Paso market

El Paso's role in U.S.–Mexico trade, its manufacturing and warehousing base, and Fort Bliss anchor a real-estate-owning business community. Bridge capital secured by that property keeps time-critical deals on track.

We fund acquisitions, expansions, and refinances against El Paso-area real estate, including cross-collateralized structures.

Key El Paso industries we lend to: Border trade & logistics · Manufacturing · Warehousing · Defense · Retail.

Loan programs

Loan programs for El Paso operators

By program

Loan programs in El Paso

What we lend on

The parameters in El Paso

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 El Paso? 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 El Paso 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

How funding works in El Paso

01

Submit

Tell us about your El Paso deal — collateral, use of funds, timeline. About 10 minutes.

02

We respond

Within 24 hours a member of our team calls you — no call center, no automated maybe.

03

Term sheet

Clear terms in under 5 business days. What we quote is what we close.

04

Funded

Funded in under 10 days, with an exit we mapped before the first dollar moved.

Why BuildUp

What sets us apart in El Paso County

Common questions

Lending in El Paso

Do you lend in El Paso, Texas?
Yes — El Paso is squarely in our footprint. We make real-estate-secured loans of $250K–$5M throughout Texas, including El Paso County.
How fast can you fund a loan in El Paso?
Term sheet in under 5 business days and closing in under 10 days from submission — fast enough for most El Paso deadlines. A member of our team responds within 24 hours.
Do you have a physical office in El Paso?
No — we don't operate a branch in El Paso. We lend across Texas and a real person responds within 24 hours, so you get bank-grade underwriting without the bank's timeline.
Can I use El Paso commercial or residential property as collateral?
Yes. We lend in first or second lien position against commercial or residential real estate in and around El Paso, and we structure cross-collateralized loans across multiple properties.
What if my El Paso business was declined by a bank or SBA?
A decline usually reflects complexity or timing, not the quality of your business. We regularly fund El Paso deals that banks and SBA lenders pass on, provided they're secured by real estate in Texas.
Are you a hard money lender in El Paso?
We're a private bridge lender, not a hard money shop. The terms are comparable in El Paso, but our underwriting is built around your success, not your keys.
Can you move quickly on time-sensitive El Paso trade or logistics deals?
Yes — term sheet in under 5 business days, closed in under 10. Speed is exactly why El Paso operators use a bridge lender.

Get started

Need capital in El Paso?

Tell us about your deal and you’ll hear from a real person within 24 hours — with a straight answer, not an automated maybe.

Other cities we serve in Texas

See all cities in Texas