Harlingen, TX · Cameron County

Secured business loans in Harlingen, Texas

For Harlingen-area businesses that own real estate, BuildUp Capital lends $250,000 to $5,000,000 — bridge, acquisition, cross-collateralized, and second-lien — and gives a straight answer within 24 hours. We serve Cameron County and all of Texas.

Get a term sheet See loan programs

$250K–$5MLoan size

< 5 daysTo a term sheet

< 10 daysTo close

9 statesWhere we lend

Loan programs

Loan programs for Harlingen operators

Bridge loansShort-term capital secured by real estate, structured around a clear exit.Learn more →Fix & flip loansBuy, renovate, and resell — underwritten on the project and the after-repair value.Learn more →Acquisition financingBuy a business — close on the seller’s deadline, then refinance.Learn more →Cross-collateralized loansUse multiple properties to secure one loan — what banks decline for complexity.Learn more →Second-lien loansRaise capital behind a low-rate first mortgage without refinancing it.Learn more →Refinance & partner buyoutRetire maturing debt or buy out a partner, secured by real estate.Learn more →Asset-based lendingBorrow against what you own — real estate or business assets, not your credit score.Learn more →Declined by the bank?A bank or SBA “no” is usually about complexity or timing — not your business.Learn more →

What we lend on

The parameters in Harlingen

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.

Many Harlingen borrowers start by searching "hard money lender." We're a private bridge lender — comparable terms, more partnership-oriented underwriting, and a close in under 10 days.

Own real estate in Harlingen 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 Harlingen

Submit

Send your Harlingen deal summary — the property, the amount, and your timeline. Ten minutes, no paperwork marathon.

We respond

A real person calls within 24 hours. Straight questions, straight answers.

Term sheet

A term sheet in under 5 business days — transparent pricing, no bait-and-switch.

Funded

Close in under 10 days. We plan your exit from day one.

Why BuildUp

Why Harlingen operators choose us

Deals banks won't touch. Complex entities, cross-collateral, and financials that need interpretation — complexity isn't weakness.
We know Texas. We lend only in markets we know firsthand, and Texas 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.
Real collateral, always. Every loan is secured by Cameron 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.
A person within 24 hours. No call center, no automated maybe — a real answer, fast.

Common questions

Harlingen financing questions

Do you lend in Harlingen, Texas?

Yes. BuildUp Capital lends across Texas, including Harlingen and the rest of Cameron County, against commercial or residential real estate — business-purpose loans from $250,000 to $5,000,000.

How fast can you fund a loan in Harlingen?

Fast: a term sheet in under 5 business days and funding in under 10. Speed in Harlingen comes from preparation, not skipped steps.

Do you have a physical office in Harlingen?

We're online and statewide, not a storefront in Harlingen. That's how we move faster than a local bank while still underwriting every deal by hand.

Can I use Harlingen commercial or residential property as collateral?

Commercial or residential — both work. Harlingen-area real estate can secure the loan, including cross-collateralized structures across several properties.

What if my Harlingen business was declined by a bank or SBA?

Often, yes. A bank "no" in Harlingen is usually about a checklist, not your business — and complex, time-critical deals are exactly what we underwrite.

Are you a hard money lender in Harlingen?

No — we're a private bridge lender. Hard money lenders underwrite collateral alone; we weigh the business and the exit too, and we invest our own capital in every loan.

Get started

Need capital in Harlingen?

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

Get a term sheet Call (775) 997-8199