Pharr, TX · Hidalgo County

Business loans secured by real estate in Pharr, Texas

For Pharr-area businesses that own real estate, BuildUp Capital lends $100,000 to $10,000,000 — bridge, acquisition, cross-collateralized, and second-lien — and gives a straight answer typically within 24 hours. We serve Hidalgo County and all of Texas.

See if you qualify in 60 secondsSee loan programs
$100K–$10MLoan size
~5 business daysTo a term sheet, typically
~10 daysTo close, typically
9 statesWhere we lend

Loan programs

Loan programs for Pharr 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 — a structure a standard credit box can’t hold.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 Pharr

Loan size$100K–$10MBusiness-purpose loans, sized to the deal
Term6–18 monthsShort by design — structured around your exit
Rates10%+Priced to term, collateral, lien position, and borrower profile
Fees1–4%Origination fee stated in your term sheet before you proceed · Underwriting deposit credited at closing · 1% referral fee where applicable
PaymentsMonthly, interest-onlyNo daily or weekly drafts. Principal at your exit — prepayment allowed.
Speed~10 daysClosing typically around 10 days once diligence items are received; term sheet typically within 5 business days
CollateralCommercial / ResidentialReal estate with proven market demand
Lien positionFirst or SecondCross-collateralization available
Geography9 statesTX · CO · UT · NV · AZ · OK · ID · MT · WY · receivables nationwide

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.

Many Pharr borrowers start by searching "hard money lender." We’re a private bridge lender — comparable terms, more partnership-oriented underwriting, and a close typically around 10 days once diligence items are received.

Own real estate in Pharr 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

01

Submit

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

02

We respond

A member of our team typically calls you within 24 hours — no call center, no automated maybe.

03

Term sheet

Clear terms typically within 5 business days — our rate, our fees, and your terms stated before you sign.

04

Funded

Funded typically around 10 days once diligence items are received, with an exit we mapped before the first dollar moved.

Why BuildUp

What sets us apart in Hidalgo County

  • We know Texas. We lend only in markets we know firsthand, and Texas is one of them.
  • Not a loan-to-own shop. We structure every loan around your exit and only fund deals we believe will succeed.
  • 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 Pharr 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.
  • Real collateral, always. Every loan is secured by Hidalgo County-area real estate we’d be comfortable owning.

Common questions

Lending in Pharr

Do you lend in Pharr, Texas?
Yes — Pharr is squarely in our footprint. We make real-estate-secured loans of $100K–$10M throughout Texas, including Hidalgo County.
How fast can you fund a loan in Pharr?
Term sheets typically within 5 business days and closing typically around 10 days once diligence items are received — fast enough for most Pharr deadlines. A member of our team typically responds within 24 hours.
Do you have a physical office in Pharr?
No — we don’t operate a branch in Pharr. We lend across Texas and a real person typically responds within 24 hours, so you get bank-grade underwriting without the bank’s timeline.
Can I use Pharr commercial or residential property as collateral?
Yes. We lend in first or second lien position against commercial or residential real estate in and around Pharr, and we structure cross-collateralized loans across multiple properties.
What if my Pharr business was declined by a bank or SBA?
A decline usually reflects complexity or timing, not the quality of your business. We regularly fund Pharr deals that banks and SBA lenders pass on, provided they’re secured by real estate in Texas.
Are you a hard money lender in Pharr?
We’re a private bridge lender, not a hard money shop. The terms are comparable in Pharr, but our underwriting is built around your success, not your keys.

Get started

Need capital in Pharr?

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.

See if you qualify in 60 secondsGive us a call

Other cities we serve in Texas

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