St. George, UT · Washington County
Business loans secured by real estate in St. George, Utah
BuildUp Capital provides bridge loans of $100K–$10M secured by real estate in St. George and Southern Utah, funded typically around 10 days once diligence items are received. One of the fastest-growing areas in the state, St. George’s growth keeps construction and commercial real estate active.
The St. George market
St. George’s rapid population growth — driven by retirees, recreation, and remote workers — fuels demand for residential, commercial, and hospitality real estate across Washington County.
We lend against St. George-area real estate for acquisitions, expansions, and refinances, including the structures banks decline.
Key St. George industries we lend to: Construction & development · Hospitality & recreation · Healthcare · Retail · Professional services.
Loan programs
What we fund in St. George, UT
What we lend on
The parameters in St. George
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 St. George 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 St. George 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
From inquiry to funded
Submit
Send your St. George deal summary — the property, the amount, and your timeline. Ten minutes, no paperwork marathon.
We respond
A real person typically calls within 24 hours. Straight questions, straight answers.
Term sheet
A term sheet typically within 5 business days — transparent pricing, no bait-and-switch.
Funded
Closing typically around 10 days once diligence items are received. We plan your exit from day one.
Why BuildUp
What sets us apart in Washington County
- 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.
- Operators, not bankers. We’ve built, bought, and run businesses, so we read your deal as a business plan — not just a collateral file.
- Skin in the game. We invest at least 10% of our own capital in every loan we make.
- Not a loan-to-own shop. We structure every loan around your exit and only fund deals we believe will succeed.
- Complex situations, underwritten. Complex entities, cross-collateral, and financials that need interpretation — a standard credit box can’t hold them; we can.
- A person, typically within 24 hours. No call center, no automated maybe — a real answer, fast.
Common questions
St. George financing questions
Do you lend in St. George, Utah?
How fast can you fund a loan in St. George?
Do you have a physical office in St. George?
Can I use St. George commercial or residential property as collateral?
What if my St. George business was declined by a bank or SBA?
Are you a hard money lender in St. George?
Do you lend on hospitality or construction-related property in St. George?
Get started
Need capital in St. George?
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.