Bridge capital for small businessSpeak with our team: (775) 997-8199

San Antonio, TX · Bexar County

Secured business loans in San Antonio, Texas

BuildUp Capital provides real-estate-secured business loans of $250K–$5M in San Antonio and Bexar County, funded in under 10 days. Anchored by military, healthcare, and a deep small-business base, San Antonio's steady growth makes it a natural market for disciplined bridge capital.

Get a term sheet See loan programs

$250K–$5MLoan size

< 5 daysTo a term sheet

< 10 daysTo close

9 statesWhere we lend

The San Antonio market

San Antonio pairs stable, military- and healthcare-driven employment with strong population growth, supporting demand for commercial, medical-office, and mixed-use real estate. Owners here value a lender who moves quickly without cutting corners.

We lend against San Antonio-area real estate for acquisitions, expansions, and refinances, including cross-collateralized and second-lien structures.

Key San Antonio industries we lend to: Military & defense · Healthcare & bioscience · Tourism · Manufacturing · Distribution.

Loan programs

Loan programs for San Antonio 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 →

By program

Loan programs in San Antonio

What we lend on

The parameters in San Antonio

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 San Antonio? 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 San Antonio 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

From inquiry to funded

Submit

Tell us about your San Antonio 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 San Antonio

Not a loan-to-own shop. We structure every loan around your exit and only fund deals we believe will succeed.
We know Texas. We lend only in markets we know firsthand, and Texas is one of them.
Transparent pricing. 10–18% priced to the risk, with the fees on the table — no surprises at closing.
Skin in the game. We invest at least 10% of our own capital in every loan we make.
A person within 24 hours. No call center, no automated maybe — a real answer, fast.
Real collateral, always. Every loan is secured by Bexar County-area real estate we'd be comfortable owning.

Common questions

Lending in San Antonio

Do you lend in San Antonio, Texas?

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

How fast can you fund a loan in San Antonio?

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

Do you have a physical office in San Antonio?

No — we don't operate a branch in San Antonio. 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 San Antonio commercial or residential property as collateral?

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

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

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

Are you a hard money lender in San Antonio?

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

Do you lend on medical-office or mixed-use property in San Antonio?

Yes. Commercial or residential real estate in San Antonio can secure a loan, including medical-office and mixed-use assets with proven demand.

Get started

Need capital in San Antonio?

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

Other cities we serve in Texas

See all cities in Texas →