Utah Rock Capital

Commercial lending · Alpine, Utah

Capital that moves at the speed of your deal.

Utah Rock Capital funds small business loans, bridge loans, and equipment financing from $50,000 to $10 million. One application, one underwriter, a decision in days.

Start an applicationSee loan programs
$50K–$10M
loan sizes
5–7 days
to a term sheet
Up to 100%
of equipment cost
2–4 weeks
typical close

Three programs, one process.

Full details →

Small business loans

Term loans and SBA 7(a) loans for working capital, expansion, buying out a partner, or buying the building you operate from. We package the SBA paperwork for you.

Loan size
$100K–$5M
Term
3–25 yr
Rate range
7.50%–11.00%

Bridge loans

Short-term financing when timing matters: an acquisition that can't wait, a balloon coming due, or a property you'll stabilize and refinance. Interest-only, no prepayment penalty after 6 months.

Loan size
$250K–$10M
Term
6–24 mo
Rate range
9.75%–12.50%

Equipment financing

Trucks, construction, medical, dental, and manufacturing equipment. New or used. Up to 100% of cost with strong credit.

Loan size
$50K–$3M
Term
2–7 yr
Rate range
7.75%–11.00%

How it works

  1. 01

    Apply online

    About fifteen minutes. Tell us about the business, the loan, the collateral, and the financials. Save and come back any time.

  2. 02

    Pre-review

    An underwriter reads the file within one business day and requests tax returns, year-to-date financials, and the purchase contract or equipment quote.

  3. 03

    Term sheet

    A written term sheet within 5–7 business days of a complete file. Rate, term, amortization, and conditions, in plain English.

  4. 04

    Underwriting & close

    Collateral review, title or UCC filing, and entity documents. Most files close in 2–4 weeks.

Built in Utah, for Utah operators.

We lend along the Wasatch Front and in Washington County, to business owners and investors who need a lender that understands local markets, local contractors, and local timelines. Every decision is made in our Alpine office by the underwriter who reads your file.

Talk to an underwriter

(801) 893-3635
loans@utahrockcapital.com
Mon–Fri 8am–6pm MT
395 S Main St. #201, Alpine, UT 84004

Apply online