Rates & terms

What a loan from us actually costs.

Most lenders in this category make you call to find out. Here are the parameters in writing, on a page you can read before you talk to anyone. Rates depend on term, collateral, lien position, and borrower profile, and are subject to change. Not every borrower qualifies for the lowest rate.

The parameters

Simple terms. No fine print.

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.

How the price gets set

Four things move the rate, and it is worth knowing which, because three of them are partly in your control.

  • Lien position.A first lien prices better than a second. A second behind a low-rate first is often still the right answer — you keep the cheap money underneath — but it costs more because our recovery sits behind someone else’s.
  • The collateral. A stabilised, income-producing building in a market we know prices better than raw land or a single-tenant property with a vacancy risk.
  • The exit.A signed sale contract or an approved refinance is a different risk from “we’ll list it in the spring”. We underwrite how the loan gets repaid, so a credible exit is the cheapest thing you can bring us.
  • The borrower. Operating history, the business behind the property, and how the file holds together.

Rates depend on term, collateral, lien position, and borrower profile, and are subject to change. Not every borrower qualifies for the lowest rate.

What you pay, and when

The order of costs

Nothing is collected to look at a deal or to get an answer.

1

To get an answer

Nothing. The qualifier costs nothing and pulls no credit, and a straight answer, typically within 24 hours costs nothing either.

2

To get a term sheet

Nothing. You see our rate, our fees, and your terms in writing before you have spent a dollar or signed anything.

3

After you accept it

Once you accept the term sheet, we collect an underwriting deposit before diligence begins, and it is credited toward your closing costs at closing. It exists so both sides are committing real resources to a deal we intend to close — the amount is stated in your term sheet before you sign anything.

4

At closing

The origination fee, plus third-party closing costs we neither set nor collect — title, escrow, appraisal, recording, legal, insurance.

Common questions

About cost and terms

What does a BuildUp Capital loan cost?
Rates start at 10% and are priced to the risk in each deal, with a 1–4% origination fee stated in your term sheet before you proceed. Payments are monthly, interest-only across a 6–18 month term. Once you accept the term sheet, we collect an underwriting deposit before diligence begins, and it is credited toward your closing costs at closing. It exists so both sides are committing real resources to a deal we intend to close — the amount is stated in your term sheet before you sign anything. Rates depend on term, collateral, lien position, and borrower profile, and are subject to change. Not every borrower qualifies for the lowest rate.
Why won’t you quote a single rate?
Because a single number would be a fiction. The rate on a first-lien loan against a stabilised building with a signed sale contract is not the rate on a second lien behind a low-rate first with a refinance exit. Term, collateral, lien position, and borrower profile all move it. What we will do is put the actual number in a term sheet before you spend anything on diligence.
How do your rates compare to a bank?
They don’t, and the comparison isn’t the useful one. A bank that can do your deal at a bank rate should do your deal. We exist for the situations a standard credit box can’t underwrite — a deadline it can’t meet, a structure it can’t hold, a business it can’t read. The honest comparison is against your real alternatives and against the cost of the deal not happening at all.
Are there fees beyond the origination fee?
Origination fee stated in your term sheet before you proceed · Underwriting deposit credited at closing · 1% referral fee where applicable. Beyond our own fees there are third-party closing costs — title, escrow, appraisal, recording, legal, insurance — which we neither set nor collect. We state our rate, our fees, and your terms in the term sheet before you sign — and we tell you which third-party closing costs to expect.
Can I pay the loan off early?
Prepayment is allowed — if your exit comes early, you can repay early. Payoff terms are stated in your term sheet before you sign.
Are payments monthly or daily?
Monthly, interest-only. No daily or weekly drafts. Principal comes due at your exit. A daily or weekly debit against your receipts is the structure that breaks operating businesses, and it is not how our loans work.
How fast can you actually close?
Term sheets typically issue within 5 business days, with closing typically around 10 days once diligence items are received. Speed comes from preparation rather than skipped steps — we verify title, valuation, and lien position, and those are verifiable in days rather than months.

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