Reliable Capital, Powered by Tech & Experience
With a dedicated, experienced team and deep, competitive capital, Upright blends seasoned expertise with modern technology to close your construction, rehab, and rental deals fast! Partner with Upright Lending to take your business Up and to the Right!
Our Loan Programs.
Upright’s loan programs are engineered for real estate investors who value transparent, industry-leading terms, predictable draws, dedicated support, and financing that grows along with their strategy.
- Finance purchase and renovation in one loan
- Light or heavy rehab projects supported
- Draws released as work is completed
- Ideal for flips or value-add portfolios
- Fund land + ground-up or rebuild projects
- Fast, flexible draw process
- Up to 10-unit developments supported
- For experienced builders and developers
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- Short-term funding for rent-ready assets
- Acquire, refinance, or pull equity fast
- Ideal while preparing for DSCR take-out
- Speed-focused execution for investors
- Based on property cash flow, not income
- Long-term 30-year fixed or ARM options
- Great for BRRRR and portfolio growth
- Up to 10 units under one loan
Why Upright Lending?
Always-On Tech
Your business doesn’t slow down, and neither do we. Our platform gives borrowers modern, intuitive tools to manage every step of a loan. Everything is streamlined, mobile-friendly, and available 24/7, so you can move at the speed of your projects.
Team-First Approach
Behind every loan is a real team that knows your deal, your timeline, and your goals.
We stay hands-on from application through payoff. No call centers, no black boxes, no dead ends. Help is always one call, text, or email away from people you know who understand your needs.
The Bare Necessities, Done Better
Speed, process, pricing, terms; these are the basics. Every lender should get them right. We obsess over them. We track industry shifts daily to stay competitive, eliminate friction, shorten timelines, and make sure your loan structure matches your strategy. Because delivering the essentials, consistently and predictably, is what lets you scale.
Funded Projects
Single-family home with 3 bedrooms and 2 full baths in Pensacola, FL. ARV per Upright internal valuation is $280,000. The developers have a track record of cosmetic, residential rehabs in this market.
4-bedroom, 2-bath single-family home in Columbus, OH, valued at $315,000. The developers boast 700+ credit scores and a solid history of successful rehab projects in this comeptitive market.
This fix-and-flip project features 5 spacious bedrooms in sunny Miami, FL, funded by a short-term residential rehab loan at 92.5% of cost.
FAQs
Frequently Asked Questions
What is a hard money loan?
A hard money loan, often called an RTL (Residential Transition Loan), bridge loan, or short-term rehab/new-construction loan, is a business-purpose loan secured by real estate. These loans are typically 6–24 months, used for rehab, new construction, or short-term stabilization, and designed to help investors acquire and improve 1–20 unit residential properties before selling or refinancing into long-term DSCR financing.
What are the risks of a hard money loan?
Hard money loans work best when the project has a clear plan and the investor has the capital and experience to execute. A hard money loan may not be the right solution if:
- You need the lowest possible interest rate
- You don’t have the required cash for down payment or construction overruns
- You’re unsure whether you can complete the project within 6–24 months
- The property is owner-occupied (we only lend for business purpose)
What are the benefits of financing through Upright Lending?
- Fast closings (often 7–10 days)
- Higher leverage, helping you scale faster
- Flexible structure for rehab, construction, or bridge needs
- Less burdensome documentation compared to banks
- Reliable capital designed for real estate investors
How long does it take to process a hard money loan?
Most loans close in 7–10 days, depending on the property and how quickly you can provide required documents. We move fast, and we guide you through every step so nothing stalls your timeline.
Can I finance the construction costs?
Yes. We can fund up to 100% of construction costs. Funds are held in escrow and released through draws as milestones are completed and inspected. This helps protect both your project and your budget.
Can I finance out of an Upright Lending loan?
Yes, this is extremely common. Many investors use an Upright Lending bridge or rehab loan to complete a project, then refinance into a long-term DSCR loan once the property is rented and stabilized. We offer both products, making the transition smooth and predictable.
How do I talk to a rep?
Simple. Book a consultation via the link below, give us a call at 216-206-6079, email us at originations@uprightlending.com, or click Apply Now and a member of your assigned team of Upright Lending professionals will be in touch promptly. We are team-oriented, and look forward to introducing you to your experts.
How to know if I qualify
You’ll get an answer within no longer than 24 hours. We evaluate you based on your experience, your project, and the business purpose, not your tax returns or personal debt-to-income.
What's the status of my application
Your assigned team will keep you updated throughout the process. You can reach out at any time for real-time updates on underwriting, appraisal, title, or closing milestones, or log into your Upright Lending account to upload documentation & follow along.
What are Upright's underwriting requirements for rehabs & new construction?
For rehab and new construction financing, we start by looking at your qualifications. We partner with new investors looking to take down their first residential rehab project as well as professional developers with a track record of success. For our best pricing & leverage, developers need to have 4+ successful like-kind projects under their belt in the past 3 years, as well as excellent personal credit.
Once you are prequalified, we look at each project on its own merit, but this is generally what we are looking for:
- How much of your own equity is in the project. We require at least 10% of your own money into each project.
- The loan amount must be less than 75% of the After Repair Value (ARV) of the property.
- After Repair Value (ARV) should be supported by a thorough analysis of sales data from comparable properties (comps). This should be further supported by an appraisal and/or Broker Price Opinion (BPO). We will likely order our own Valuation, a BPO or an appraisal to verify your analysis.
- A detailed statement of work with line item costs of all the repairs and improvements you plan to make. This should be supplemented with a home inspection report. We may also perform our own inspection.
- An exit strategy. Do you plan to sell this to an owner-occupier or an investor who will rent it out? Maybe you plan on refinancing the property with a traditional mortgage and holding it as a rental. Let us know, as this can impact the market risk of the project.
- Photos! Send us photos of the property showing its current state and key areas of the home you plan on improving.
More is better, and all of this information can be easily uploaded to your loan application via your account.
Is Upright a hard money lender or private lender?
We are the best of both worlds. We provide the speed, industry-leading terms and flexibility of our private capital, combined with the discipline and reliability of an established lender. All of our products are business-purpose loans, designed specifically for investors building, rehabbing, or holding 1–20 unit properties.
Insights that move real estate forward
Finance your next project with clarity and speed.
Partner with Upright for transparent lending, predictable draws, and a team that moves as fast as you build.