Real-estate-secured business loansSpeak with our team: (775) 997-8199

St. George, UT · Washington County

Business loans secured by real estate in St. George, Utah

BuildUp Capital provides bridge loans of $250K–$5M 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.

Get a term sheet See loan programs

$250K–$5MLoan size

< 5 daysTo a term sheet

< 10 daysTo close

9 statesWhere we lend

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

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 St. George

What we lend on

The parameters in St. George

Loan size$250K–$5M

Term6–18 months

Rates10%+Risk-based pricing. Rates depend on term, collateral, lien position, and borrower profile, and are subject to change. Not every borrower qualifies for the lowest rate.

Fees1–4%Origination fee stated in your term sheet before you proceed · 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.

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 get a term sheet →.

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 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 every fee we charge stated in your term sheet. Rates depend on term, collateral, lien position, and borrower profile, and are subject to change.
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.
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.

Common questions

St. George financing questions

Do you lend in St. George, Utah?

Yes. BuildUp Capital lends across Utah, including St. George and the rest of Washington County, against commercial or residential real estate — business-purpose loans from $250,000 to $5,000,000.

How fast can you fund a loan in St. George?

Fast: a term sheet typically within 5 business days and funding typically in around 10 days once diligence items are received. Speed in St. George comes from preparation, not skipped steps.

Do you have a physical office in St. George?

We're online and statewide, not a storefront in St. George. That's how we move faster than a local bank while still underwriting every deal by hand.

Can I use St. George commercial or residential property as collateral?

Commercial or residential — both work. St. George-area real estate can secure the loan, including cross-collateralized structures across several properties.

What if my St. George business was declined by a bank or SBA?

Often, yes. A bank "no" in St. George 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 St. George?

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.

Do you lend on hospitality or construction-related property in St. George?

Yes, when secured by real estate with proven demand. St. George's growth-driven assets are a natural fit for bridge capital.

Get started

Need capital in St. George?

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

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