Private Lending for residential rehab, new construction, and rentals.
Partnering with Upright Lending means reliable financing that’s there when you need it, the fastest closing in the industry, and a dedicated team to help take your business up and to the right.
Our loan offerings
Upright’s loan programs are engineered for investors who value transparent terms, predictable draws, and financing that grows with their strategy — not against it.
- 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 finance through a private lender ?
Speed & Flexibility
Private lenders give you the speed and flexibility to scale your business faster than conventional banks, which often come with strict requirements and slow approvals.
Secure Loan Assessment
Our loans are secured by real estate and evaluated using a balanced approach — considering not just the property, but also your experience, available capital, financial history, and credit profile.
Projects always on track
From closing to draws to payoff, our process is designed to move quickly and keep your projects on track. That’s why real estate investors choose Upright as their preferred solution.
Funding projects like these
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 fix-and-flip projects in the area.
This fix-and-flip project features 5 spacious bedrooms in sunny Miami, FL, funded by a short-term residential rehab loan from private money lender Upright.
FAQ
Frequently asked questions
What is a hard money loan?
Hard money is a type of loan commonly used in real estate investing. They are also known as RTL loans, bridge loans, or STABBL loans (short-term, asset-backed bridge loans). Hard money loans are typically short term, with a max term length of 18 to 24 months, and are backed by real estate.
What are the risks of a hard money loan?
Hard money loans are not the solution for every real estate investing need. A hard money loan may not be the solution if:
You need a lower interest rate
You don't have the funds or private backing for the down payment
You are unsure if you can repay the loan in a short time period
The property is owner-occupied
What are the benefits of a hard money loan?
Hard money is a type of loan commonly used in real estate investing. They are also known as RTL loans, bridge loans, or STABBL loans (short-term, asset-backed bridge loans). Hard money loans are typically short term, with a max term length of 18 to 24 months, and are backed by real estate.
How long does it take to process a hard money loan?
Hard money is a type of loan commonly used in real estate investing. They are also known as RTL loans, bridge loans, or STABBL loans (short-term, asset-backed bridge loans). Hard money loans are typically short term, with a max term length of 18 to 24 months, and are backed by real estate.
Can I finance the construction costs?
Hard money is a type of loan commonly used in real estate investing. They are also known as RTL loans, bridge loans, or STABBL loans (short-term, asset-backed bridge loans). Hard money loans are typically short term, with a max term length of 18 to 24 months, and are backed by real estate.
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.