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

Salt Lake City, UT · Salt Lake County

Bridge loans in Salt Lake City, Utah

BuildUp Capital makes bridge loans of $250K–$5M secured by real estate across Salt Lake City and the Wasatch Front, with a term sheet in under 5 business days. In one of the country's fastest-growing economies, speed and certainty win deals.

$250K–$5MLoan size
< 5 daysTo a term sheet
< 10 daysTo close
9 statesWhere we lend

The Salt Lake City market

Salt Lake City anchors a diversified, fast-growing economy spanning tech, finance, and logistics, with commercial real estate demand to match. Operators expanding along the Wasatch Front often outpace conventional credit timelines.

We fund acquisitions, expansions, and refinances against Salt Lake City real estate, including cross-collateralized and second-lien structures.

Key Salt Lake City industries we lend to: Technology (Silicon Slopes) · Finance · Logistics · Healthcare · Mining & energy.

Loan programs

How we lend in Salt Lake City

By program

Loan programs in Salt Lake City

What we lend on

The parameters in Salt Lake City

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 Salt Lake City? 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 Salt Lake City 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

01

Submit

Tell us about your Salt Lake City deal — collateral, use of funds, timeline. About 10 minutes.

02

We respond

Within 24 hours a member of our team calls you — no call center, no automated maybe.

03

Term sheet

Clear terms in under 5 business days. What we quote is what we close.

04

Funded

Funded in under 10 days, with an exit we mapped before the first dollar moved.

Why BuildUp

Why Salt Lake City operators choose us

Common questions

Lending in Salt Lake City

Do you lend in Salt Lake City, Utah?
Yes — Salt Lake City is squarely in our footprint. We make real-estate-secured loans of $250K–$5M throughout Utah, including Salt Lake County.
How fast can you fund a loan in Salt Lake City?
Term sheet in under 5 business days and closing in under 10 days from submission — fast enough for most Salt Lake City deadlines. A member of our team responds within 24 hours.
Do you have a physical office in Salt Lake City?
No — we don't operate a branch in Salt Lake City. 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 Salt Lake City commercial or residential property as collateral?
Yes. We lend in first or second lien position against commercial or residential real estate in and around Salt Lake City, and we structure cross-collateralized loans across multiple properties.
What if my Salt Lake City business was declined by a bank or SBA?
A decline usually reflects complexity or timing, not the quality of your business. We regularly fund Salt Lake City deals that banks and SBA lenders pass on, provided they're secured by real estate in Utah.
Are you a hard money lender in Salt Lake City?
We're a private bridge lender, not a hard money shop. The terms are comparable in Salt Lake City, but our underwriting is built around your success, not your keys.
Do you lend across the Wasatch Front?
Yes — Salt Lake City and the surrounding Wasatch Front. Commercial or residential real estate anywhere in Utah can secure the loan.

Get started

Need capital in Salt Lake City?

Tell us about your deal and you’ll hear from a real person within 24 hours — with a straight answer, not an automated maybe.

Other cities we serve in Utah

See all cities in Utah