Private money lender for Utah business owners

BuildUp Capital is a private money lender making business loans of $100,000 to $10,000,000 secured by Utah real estate. Searching for a hard money lender in Utah? Experienced operators usually choose a private lender instead — comparable speed, with underwriting that weighs the business and the exit. We lend statewide, including Salt Lake City, Provo–Orem, and Ogden along the Wasatch Front, and St. George in the southwest. Lending since 1993, and we invest our own capital in every loan we make.

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Since 1993 · We invest our own capital in every loan we make

The Utah market

Utah’s Wasatch Front is one of the fastest-growing economies in the country, with a dense base of founders and operators along the Silicon Slopes corridor. Growth that fast routinely outpaces conventional credit timelines.

We fund acquisitions, expansions, and refinances against Utah real estate, including the complex and time-critical structures banks decline.

Why private capital works in Utah

There’s a structural reason private capital moves fast in Utah: the state’s trust-deed framework (Utah Code Title 57) gives secured lenders a clear, well-settled security instrument, so private capital can commit quickly and price with confidence instead of pricing in courtroom uncertainty. For a borrower, that shows up as clean title work, predictable closings, and real speed.

Collateral we lend against in Utah

Retail and mixed-use, industrial and flex, medical and professional office, hospitality, multi-tenant, land with a plan, and residential — including personal real estate an owner chooses to pledge on a business-purpose loan — plus vacant or partially leased buildings that a bank’s checklist won’t hold. If your business owns it and there’s a credible exit, it’s worth a conversation.

No real estate? Our receivables-backed lines of credit and factoring are secured by invoices instead, and they’re available nationwide — not only in the nine states where we lend against property. See receivables financing

Loan programs available across Utah

Bridge loans in Salt Lake CityA bridge loan from BuildUp Capital is short-term, real-estate-secured business financing from $100,000 to $10,000,000, with 6–18 month terms and rates from 10%, priced to the risk.Learn more →Fix & flip loans in Salt Lake CityA fix-and-flip loan from BuildUp Capital is short-term, real-estate-secured financing from $100,000 to $10,000,000 for investors buying, renovating, and reselling property.Learn more →Acquisition financing in Salt Lake CityBuildUp Capital finances business acquisitions from $100,000 to $10,000,000 when real estate is part of the deal.Learn more →Cross-collateralized loans in Salt Lake CityA cross-collateralized loan lets you secure a single business loan with two or more properties or assets.Learn more →Second-lien loans in Salt Lake CityBuildUp Capital lends in second lien position against commercial or residential real estate, from $100,000 to $10,000,000, subject to the combined exposure we’re comfortable with on the asset.Learn more →Refinance & partner buyout in Salt Lake CityBuildUp Capital provides $100,000–$10,000,000 in real-estate-secured capital to buy out a business partner or refinance existing debt in Texas, Colorado, Utah, Nevada, Arizona, Oklahoma, Idaho, Montana, and Wyoming.Learn more →Asset-based lending in Salt Lake CityAsset-based lending — also called an asset-backed loan — lets a business borrow against its assets rather than its credit score.Learn more →

Where we lend in Utah

Metros we know firsthand

Salt Lake CityBuildUp Capital provides bridge loans of $100,000 to $10,000,000 secured by commercial or residential real estate in Salt Lake City and the surrounding Wasatch Front, funded typically around 10 days once diligence items are received.See Salt Lake City lending →Provo–OremBuildUp Capital provides bridge loans of $100,000 to $10,000,000 secured by commercial or residential real estate in Provo, Orem, and Utah County, funded typically around 10 days once diligence items are received.See Provo–Orem lending →
Every city we serve in Utah (32)

Common questions

Borrowing in Utah — what people ask

Is BuildUp Capital a hard money lender in Utah?
If you’re searching for a hard money lender in Utah, you’ll likely find our terms comparable — but we’re a private lender building custom structures, not a traditional hard-money shop. Hard money underwrites the collateral alone; we underwrite the business, the exit plan, and the collateral, and we invest our own capital in every Utah loan we make.
How fast can you close on a Utah property?
Term sheets typically issue within 5 business days, with closing typically around 10 days once diligence items are received. We’re a direct lender — the decision and the capital are ours — so there’s no committee between your Utah deal and an answer.
What do you lend on in Utah?
Business-purpose loans of $100,000 to $10,000,000 secured by commercial or residential real estate in Salt Lake City and Provo–Orem — and statewide. Bridge, acquisition, cross-collateralized, second-lien, refinance, and partner-buyout structures, in first or second lien position.
What does a BuildUp loan cost in Utah?
Rates from 10%, priced to the risk in each deal, with a 1–4% origination fee stated in your term sheet before you proceed. Payments are monthly, interest-only across a 6–18 month term. Once you accept the term sheet, we collect an underwriting deposit before diligence begins, and it is credited toward your closing costs at closing. It exists so both sides are committing real resources to a deal we intend to close — the amount is stated in your term sheet before you sign anything. Rates depend on term, collateral, lien position, and borrower profile, and are subject to change. Not every borrower qualifies for the lowest rate.
What are the qualifications for a private money loan in Utah?
Real estate in Utah that your business owns (or is acquiring), a business purpose for the capital, a credible exit inside 6–18 months, and generally a 650+ credit score. Complexity in the financials is fine — add-backs, transition years, and multi-entity structures are normal in real businesses. What doesn’t work is a missing plan.
Can I pledge property I occupy, or my home, as collateral?
Yes — including property your own business occupies, which most private lenders won’t touch because their model is investor-only. We underwrite the operating business and its exit alongside the building. Owners also pledge personal real estate, a home included, when they choose to: these are business-purpose loans, not consumer mortgages, and the collateral decision is yours to make with your advisers. If you qualify, you’ll know quickly. If you don’t, we’ll help you understand where to go next.
Do you check credit?
No credit pull to see your result — the fit check on this site pulls nothing and doesn’t affect your credit. Credit is reviewed later in underwriting, as it is with any lender; we just don’t make you surrender a credit pull to find out whether we’re a fit at all.
Declined by the bank or SBA?What a “no” really means in Utah, and what to do next.Read the guide →Refer a clientBrokers, bankers, CPAs, and attorneys — fees protected in writing.Partner with us →See if you qualifyTell us about your Utah deal. A person typically responds within 24 hours.Start here →