Houston, TX · Fort Bend County
BuildUp Capital provides bridge loans of $250K–$5M secured by commercial or residential real estate across Houston and the Gulf Coast, funded in under 10 days. In an economy built on energy services, ports, and medical, operators here own real estate — and often need capital faster than a bank will move.
Houston's sprawl and its energy-services, logistics, and Texas Medical Center ecosystems produce a steady flow of real-estate-owning businesses: contractors, distributors, clinics, and operators expanding or repositioning on tight timelines. Bridge capital secured by that real estate keeps a deal alive when the bank says 'not yet.'
We structure acquisitions, expansions, and refinances against Houston-area property, including second-lien and cross-collateralized loans most banks won't hold.
Key Houston industries we lend to: Energy services · Ports & logistics · Medical (TMC) · Manufacturing · Construction.
Loan programs
What we lend on
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.
If you've been looking for a hard money lender in Houston, Texas, here's the difference: we're a private bridge lender. Similar speed, but we underwrite your deal and invest our own capital alongside you.
Own real estate in Houston 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
Send your Houston deal summary — the property, the amount, and your timeline. Ten minutes, no paperwork marathon.
A real person calls within 24 hours. Straight questions, straight answers.
A term sheet in under 5 business days — transparent pricing, no bait-and-switch.
Close in under 10 days. We plan your exit from day one.
Why BuildUp
Common questions
Get started
Tell us about your deal and you’ll hear from a real person within 24 hours — with a straight answer, not an automated maybe.