Houston, TX · Fort Bend County
Bridge loans in Houston, Texas
BuildUp Capital provides bridge loans of $100K–$10M secured by commercial or residential real estate across Houston and the Gulf Coast, funded typically around 10 days once diligence items are received. 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.
The Houston market
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 fund in Houston, TX
What we lend on
The parameters in Houston
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.
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 send us the whole deal →.
How it works
Our process, step by step
Submit
Send your Houston 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 Houston operators choose us
- Real collateral, always. Every loan is secured by Fort Bend County-area real estate we’d be comfortable owning.
- A person, typically within 24 hours. No call center, no automated maybe — a real answer, fast.
- 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 Houston deadlines.
- Complex situations, underwritten. Complex entities, cross-collateral, and financials that need interpretation — a standard credit box can’t hold them; we can.
- Operators, not bankers. We’ve built, bought, and run businesses, so we read your deal as a business plan — not just a collateral file.
Common questions
Houston financing questions
Do you lend in Houston, Texas?
How fast can you fund a loan in Houston?
Do you have a physical office in Houston?
Can I use Houston commercial or residential property as collateral?
What if my Houston business was declined by a bank or SBA?
Are you a hard money lender in Houston?
Can you fund energy- or contractor-related businesses in Houston?
Get started
Need capital in Houston?
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.