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

Provo, UT · Utah County

Business loans secured by real estate in Provo, Utah

BuildUp Capital provides real-estate-secured loans of $250K–$5M in Provo and Utah County, funded in under 10 days. The heart of Silicon Slopes south, Provo's company formation and growth keep real estate tightly held.

Get a term sheet See loan programs

$250K–$5MLoan size

< 5 daysTo a term sheet

< 10 daysTo close

9 statesWhere we lend

The Provo market

Provo and Utah County — anchored by BYU and a dense startup and tech ecosystem — see constant company formation and expansion, keeping commercial and mixed-use real estate in demand.

We lend against Provo-area real estate for acquisitions, expansions, and refinances, including the complex structures banks pass on.

Key Provo industries we lend to: Technology · University & education · Professional services · Retail · Construction.

Loan programs

What we fund in Provo, UT

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 Provo

What we lend on

The parameters in Provo

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 Provo? 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 Provo 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

Our process, step by step

Submit

Tell us about your Provo 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 Provo

Not a loan-to-own shop. We structure every loan around your exit and only fund deals we believe will succeed.
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 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.

Common questions

Lending in Provo

Do you lend in Provo, Utah?

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

How fast can you fund a loan in Provo?

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

Do you have a physical office in Provo?

No — we don't operate a branch in Provo. We lend across Utah and a real person responds within 24 hours, so you get bank-grade underwriting without the bank's timeline.

Can I use Provo commercial or residential property as collateral?

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

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

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

Are you a hard money lender in Provo?

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

Do you serve Utah County beyond Provo?

Yes — Provo, Orem, Lehi, and the wider Utah County market. Real estate anywhere in Utah can secure the loan.

Get started

Need capital in Provo?

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 Utah

See all cities in Utah →