Plano, TX · Collin County

Business loans secured by real estate in Plano, Texas

BuildUp Capital lends $100K–$10M against real estate in Plano and Collin County, with a term sheet typically within 5 business days. Home to major corporate campuses and one of Texas’s strongest commercial submarkets, Plano deals reward a lender who can close on schedule.

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

The Plano market

Plano’s corporate-headquarters base and affluent Collin County market keep office, retail, and mixed-use real estate in steady demand. Operators here are sophisticated and deadline-driven.

We fund acquisitions, partner buyouts, and refinances against Plano-area real estate, including complex-entity and cross-collateralized structures.

Key Plano industries we lend to: Corporate HQs · Professional services · Retail · Healthcare · Technology.

Loan programs

Loan programs for Plano 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 →

By program

Loan programs in Plano

What we lend on

The parameters in Plano

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 Plano 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 Plano 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

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

02

We respond

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

03

Term sheet

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

04

Funded

Closing typically around 10 days once diligence items are received. We plan your exit from day one.

Why BuildUp

What sets us apart in Collin 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 Plano 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 Collin County-area real estate we’d be comfortable owning.

Common questions

Plano financing questions

Do you lend in Plano, Texas?
Yes. BuildUp Capital lends across Texas, including Plano and the rest of Collin County, against commercial or residential real estate — business-purpose loans from $100,000 to $10,000,000.
How fast can you fund a loan in Plano?
Fast: a term sheet typically within 5 business days and funding typically in around 10 days once diligence items are received. Speed in Plano comes from preparation, not skipped steps.
Do you have a physical office in Plano?
We’re online and statewide, not a storefront in Plano. That’s how we move faster than a local bank while still underwriting every deal by hand.
Can I use Plano commercial or residential property as collateral?
Commercial or residential — both work. Plano-area real estate can secure the loan, including cross-collateralized structures across several properties.
What if my Plano business was declined by a bank or SBA?
Often, yes. A bank "no" in Plano 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 Plano?
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.
Do you work with multi-entity ownership common around Plano?
Yes. Multi-entity structures, partnerships, and trusts are exactly the complexity we underwrite — in Plano and across Collin County.

Get started

Need capital in Plano?

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.

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