Prosper, TX · Collin County

Business loans secured by real estate in Prosper, Texas

BuildUp Capital is a private bridge lender serving Prosper and Collin County, Texas. We fund $250K–$5M against commercial or residential real estate, close in under 10 days, and plan your exit from day one — never around your failure.

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 Prosper 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 Prosper

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.

Searching for a hard money lender in Prosper? Experienced operators usually choose a private bridge lender instead — comparable speed and flexibility, but underwriting that weighs the business and the exit, not just the collateral.

Own real estate in Prosper 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 Prosper

Submit

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

We respond

Within 24 hours a member of our team calls you — no call center, no automated maybe.

Term sheet

Clear terms in under 5 business days. What we quote is what we close.

Funded

Funded in under 10 days, with an exit we mapped before the first dollar moved.

Why BuildUp

Why work with BuildUp in Prosper

Deals banks won't touch. Complex entities, cross-collateral, and financials that need interpretation — complexity isn't weakness.
Operators, not bankers. We've built, bought, and run businesses, so we read your deal as a business plan — not just a collateral file.
Transparent pricing. 10–18% priced to the risk, with the fees on the table — no surprises at closing.
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.
Real collateral, always. Every loan is secured by Collin County-area real estate we'd be comfortable owning.

Common questions

Lending in Prosper

Do you lend in Prosper, Texas?

Yes — Prosper is squarely in our footprint. We make real-estate-secured loans of $250K–$5M throughout Texas, including Collin County.

How fast can you fund a loan in Prosper?

Term sheet in under 5 business days and closing in under 10 days from submission — fast enough for most Prosper deadlines. A member of our team responds within 24 hours.

Do you have a physical office in Prosper?

No — we don't operate a branch in Prosper. We lend across Texas and a real person responds within 24 hours, so you get bank-grade underwriting without the bank's timeline.

Can I use Prosper commercial or residential property as collateral?

Yes. We lend in first or second lien position against commercial or residential real estate in and around Prosper, and we structure cross-collateralized loans across multiple properties.

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

A decline usually reflects complexity or timing, not the quality of your business. We regularly fund Prosper deals that banks and SBA lenders pass on, provided they're secured by real estate in Texas.

Are you a hard money lender in Prosper?

We're a private bridge lender, not a hard money shop. The terms are comparable in Prosper, but our underwriting is built around your success, not your keys.

Get started

Need capital in Prosper?

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