Waco, TX · Mclennan County

Bridge loans in Waco, Texas

Roughly 85 miles from Fort Worth, Waco operators who own real estate don't have to wait on a bank. BuildUp Capital funds $250K–$5M secured by that real estate, with a term sheet in under 5 business days and closing in under 10.

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 Waco 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 Waco

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.

Many Waco borrowers start by searching "hard money lender." We're a private bridge lender — comparable terms, more partnership-oriented underwriting, and a close in under 10 days.

Own real estate in Waco 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 Waco

Submit

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

We respond

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

Term sheet

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

Funded

Close in under 10 days. We plan your exit from day one.

Why BuildUp

Why Waco operators choose us

Transparent pricing. 10–18% priced to the risk, with the fees on the table — no surprises at closing.
Deals banks won't touch. Complex entities, cross-collateral, and financials that need interpretation — complexity isn't weakness.
A person within 24 hours. No call center, no automated maybe — a real answer, fast.
We know Texas. We lend only in markets we know firsthand, and Texas is one of them.
Operators, not bankers. We've built, bought, and run businesses, so we read your deal as a business plan — not just a collateral file.
Speed that wins deals. Term sheet in under 5 business days, closed in under 10 — fast enough for most Waco deadlines.

Common questions

Waco financing questions

Do you lend in Waco, Texas?

Yes. BuildUp Capital lends across Texas, including Waco and the rest of Mclennan County, against commercial or residential real estate — business-purpose loans from $250,000 to $5,000,000.

How fast can you fund a loan in Waco?

Fast: a term sheet in under 5 business days and funding in under 10. Speed in Waco comes from preparation, not skipped steps.

Do you have a physical office in Waco?

We're online and statewide, not a storefront in Waco. That's how we move faster than a local bank while still underwriting every deal by hand.

Can I use Waco commercial or residential property as collateral?

Commercial or residential — both work. Waco-area real estate can secure the loan, including cross-collateralized structures across several properties.

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

Often, yes. A bank "no" in Waco 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 Waco?

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.

Get started

Need capital in Waco?

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