Locally focused, simplified financing for real estate investors.
From fix-and-flip to new construction — we fund what banks won't.
$55.6M+
Deployed Capital
Fast Close
In Days, Not Months
Founded in 2021 and based in Sugar Land, Texas, Stepup Capital is a private money lender built on relationships. We specialize in fast, flexible real estate financing that empowers investors to move quickly on opportunities.
We keep things local and simplified — no red tape, no long waits. Whether you're flipping your first home or scaling a construction portfolio, we're the capital partner you've been looking for.
Three focused loan programs designed for serious real estate investors.
Long-term rental property financing. Build your portfolio with speed and confidence.
Short-term financing for investors who buy, renovate, and resell for profit.
Ground-up construction financing with draw schedules aligned to your build timeline.
We finance a wide range of property types across Texas and beyond.
Residential homes for flipping or long-term rental strategies.
Duplexes, triplexes, and small apartment buildings.
Office, retail, warehouse, and mixed-use commercial properties.
Ground-up builds from custom homes to spec construction projects.
We've designed every part of our process to help investors win.
We close in days, not months. Speed is the edge that separates deals won from deals lost.
We know your name, not just your loan number. Long-term partnerships are our foundation.
No hidden fees. Clear rates, clear terms, and an application fee structure you can plan around.
Based in Sugar Land, TX — we understand the Texas real estate market deeply and intimately.
Whether you hold, flip, or build — we have a loan program structured for your exit strategy.
370+ funded loans and $55.6M deployed since 2021. We deliver on our commitments.
"Stepup Capital closed my fix & flip loan in under a week. No other lender came close to that speed. I've funded three deals with them this year."
"The team at Stepup is incredible. They know the Texas market inside-out and actually pick up the phone. They feel like a true partner, not just a lender."
"Used their new construction loan for a custom build. Draw schedule was smooth, communication was excellent, and the rate was competitive. Will use again."
Exclusive partnerships that add value beyond just the loan.
Access exclusive discounts on building materials, appliances, and renovation supplies through our preferred contractor accounts at Home Depot and Lowe's. Save 10–20% on every job.
Work with our vetted interior design partners to maximize your ARV. From layout planning to finish selections, our design network helps you make the right choices before you start.
Skip the guesswork of finding reliable contractors. We've built a network of vetted, experienced tradespeople across the Greater Houston area who work on investor timelines.
Fill out our quick application and a member of our team will reach out within 24 hours. No commitment required.
Phone
+1 713-376-1437
info@stepup-capital.com
Location
Sugar Land, Texas