Cedar City, UT · Iron County

Secured business loans in Cedar City, Utah

Roughly 50 miles from St. George, Cedar City operators who own real estate don’t have to wait on a bank. BuildUp Capital funds $100K–$10M secured by that real estate, with a term sheet typically within 5 business days and closing typically around 10 days once diligence items are received.

See if you qualify in 60 secondsSee loan programs
$100K–$10MLoan size
~5 business daysTo a term sheet, typically
~10 daysTo close, typically
9 statesWhere we lend

Loan programs

How we lend in Cedar City

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 Cedar City

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.

Many Cedar City borrowers start by searching "hard money lender." We’re a private bridge lender — comparable terms, more partnership-oriented underwriting, and a close typically around 10 days once diligence items are received.

Own real estate in Cedar City 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 Cedar City

01

Submit

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

02

We respond

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

03

Term sheet

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

04

Funded

Closing typically around 10 days once diligence items are received. We plan your exit from day one.

Why BuildUp

Why Cedar City operators choose us

  • Skin in the game. We invest at least 10% of our own capital in every loan we make.
  • 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.
  • Complex situations, underwritten. Complex entities, cross-collateral, and financials that need interpretation — a standard credit box can’t hold them; we can.
  • We know Utah. We lend only in markets we know firsthand, and Utah 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.
  • Real collateral, always. Every loan is secured by Iron County-area real estate we’d be comfortable owning.

Common questions

Cedar City financing questions

Do you lend in Cedar City, Utah?
Yes. BuildUp Capital lends across Utah, including Cedar City and the rest of Iron County, against commercial or residential real estate — business-purpose loans from $100,000 to $10,000,000.
How fast can you fund a loan in Cedar City?
Fast: a term sheet typically within 5 business days and funding typically in around 10 days once diligence items are received. Speed in Cedar City comes from preparation, not skipped steps.
Do you have a physical office in Cedar City?
We’re online and statewide, not a storefront in Cedar City. That’s how we move faster than a local bank while still underwriting every deal by hand.
Can I use Cedar City commercial or residential property as collateral?
Commercial or residential — both work. Cedar City-area real estate can secure the loan, including cross-collateralized structures across several properties.
What if my Cedar City business was declined by a bank or SBA?
Often, yes. A bank "no" in Cedar City 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 Cedar City?
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 Cedar City?

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 secondsGive us a call

More Utah cities we lend in

See all cities in Utah →