Richardson, TX · Dallas County

Bridge loans in Richardson, Texas

For Richardson-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 Dallas County and all of Texas.

See if you qualify in 60 seconds See loan programs

$100K–$10MLoan size

~5 business daysTo a term sheet, typically

~10 daysTo close, typically

9 statesWhere we lend

Loan programs

What we fund in Richardson, TX

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 Richardson

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.

Searching for a hard money lender in Richardson? 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 Richardson 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

How funding works in Richardson

Submit

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

We respond

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

Term sheet

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

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 Dallas County

Not a loan-to-own shop. We structure every loan around your exit and only fund deals we believe will succeed.
Skin in the game. We invest at least 10% of our own capital in every loan we make.
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. From 10%, priced to the risk, with our fees stated in your term sheet. Rates depend on term, collateral, lien position, and borrower profile, and are subject to change. Not every borrower qualifies for the lowest rate.
Real collateral, always. Every loan is secured by Dallas County-area real estate we’d be comfortable owning.
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 Richardson deadlines.

Common questions

Lending in Richardson

Do you lend in Richardson, Texas?

Yes — Richardson is squarely in our footprint. We make real-estate-secured loans of $100K–$10M throughout Texas, including Dallas County.

How fast can you fund a loan in Richardson?

Term sheets typically within 5 business days and closing typically around 10 days once diligence items are received — fast enough for most Richardson deadlines. A member of our team typically responds within 24 hours.

Do you have a physical office in Richardson?

No — we don’t operate a branch in Richardson. 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 Richardson commercial or residential property as collateral?

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

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

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

Are you a hard money lender in Richardson?

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

Get started

Need capital in Richardson?

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 seconds Give us a call

Other cities we serve in Texas

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