We are the Premier Hard Money Lender for Rehab and New Construction

Growing your real estate business requires competitive interest rates, attractive loan-to-value ratios and first-class service. We deliver all three to help you succeed.

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Types of Hard Money Loans We Provide

Looking to scale your real estate investing business? Partnering with Upright ensures you have the financing and support your need to take your business to the next level.
Rehab
Loan Information
  • Loan Amount $100K+
  • Max Term Up to 15 Months
  • Loan to Cost (LTC) Up to 90%
  • Loan to ARV Up to 75%
  • Rates Start at 9.375%
  • 0% Upfront Origination Fee Option
  • Deferred Interest Payment Option
Differentiated Servicing
  • Desktop Valuation
  • Borrower Provided Photos for Draws
  • 24/7 Access Borrower Portal
Types of Projects
  • Single-Family Home
  • 2-4 Family Properties
  • Townhouses
  • Condos
Learn More
New Construction
Loan Information
  • Loan Amount $100K+
  • Max Term Up to 15 Months
  • Loan to Cost (LTC) Up to 85%
  • Loan to ARV Up to 70%
  • Rates Start at 9.875%
  • 0% Upfront Origination Fee Option
  • Deferred Interest Payment Option
Differentiated Servicing
  • Desktop Valuation
  • Borrower Provided Photos for Draws
  • 24/7 Access Borrower Portal
Types of Projects
  • Single-Family Home
  • 2-4 Family Properties
  • Townhouses
  • Condos
Learn More
Stabilized Bridge
Loan Information
  • Loan Amount $100K+
  • Max Term Up to 15 Months
  • Loan to Cost (LTC) Up to 90%
  • Loan to As-Is Up to 75%
  • Rates Start at 9.375%
  • 0% Upfront Origination Fee Option
  • Deferred Interest Payment Option
Differentiated Servicing
  • Desktop Valuation
  • 24/7 Access Borrower Portal
  • Cash Out Options
Types of Projects
  • Single-Family Home
  • 2-4 Family Properties
  • Townhouses
  • Condos
Learn More
Get Funded
Upright works with experienced, professional developers and rehabbers with the best deals in the best markets. You've got a business to grow, we've got the tools to help you scale.
Hard Money Lending in the Following States
a proven track record

Funding Projects Like These

Miami, FL
This fix-and-flip project with 5 bedrooms in Miami, FL, was funded with a short-term residential rehab loan by private money lender Upright.
Offering
$624,000
ARV
64%
Term
12m
Chesterton, IN
2 Single-family homes each with 2 bedrooms and 2 full baths in Chesterton, IN. ARV per Upright internal valuation is $700,000. The developer has a 700+ credit score, and a track record of residential new construction in this market.
Offering
$455,000
ARV
65%
Term
9m
Fort Worth, TX
This fix-and-flip project with 4 bedrooms in Fort Worth, TX, was funded with a short-term residential rehab loan by private money lender Upright.
Offering
$585,000
ARV
63.20%
Term
9m
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Why get a hard money loan with Upright?

As you’ve probably already experienced, maintaining and growing a network of private lenders is time-consuming and inefficient — and that network has limited finances. Give your business the advantage by working with Upright.

people shaking hands with folder of collateral and termsheets

Reliable Financing

We’re a direct hard money lender with a diverse capital stack — which means we can fund your project, we can fund it fast, and we can continue funding it as each project progresses.

happy client talking with Upright territory manager

Local Team

When was the last time your lender visited your jobsite? We have Territory Managers and Regional Sales Directors throughout the U.S. — many who invest in real estate themselves.

Upright employee and client overlooking downtown Pittsburgh discussing expansion plans

Scalability

With private lenders, you can take on only as many projects as your network can finance. With us, bring us the good deals, and we’ll fund them. Many of our borrower partners double their completed projects when they start working with us.

man answering a support call available 24/7

24/7 Support

Beyond our local teams, we have an entire in-house team dedicated to you and your business. We guide you through every step of the loan process, close faster than anyone in the industry, and make sure your draws are fast and accurate.

Resources

Stay up-to-date on company news, real estate trends, customer stories, and industry insights. Check out our blog, and download and subscribe to our podcast, Real Estate Investing Unscripted.

"Hard Money" & Why is it Called That?

When it comes to funding their next deal, real estate investors and entrepreneurs are privy to several lending options virtually made for real estate. One of these lending types is hard money lending. So, first, what is hard money?

The Pros & Cons of Hard Money Loans

One of the major setbacks that real estate investors encounter presents in the form of financing. The process of applying for a traditional loan involves a lot of hoops and this could result in losing out on a potential opportunity, especially since the market waits for no one.

How to Choose a Hard Money Lender for Your Investment Property Loan

Today, we are proud to release a new report into the important role that private real estate developers play in creating economic and social improvements in the communities where they operate.

Why Upright? Meet our Borrower Servicing Team

One of Upright's core values is making our customers as successful as possible on each and every rehab or new construction project.

Fix-and-Flip Loans: Everything You Need to Know

To flip a property is to buy a run-down property, remodel it, and sell it for profit. But how does a fix-and-flip loan work? Fix-and-flip loans are short-term credit from private investors or hard money lenders to real estate investors, enabling them to flip a property.

Real Estate Insurance - The Cost is Worth the Coverage

Choosing real estate insurance to protect your investment projects can be tricky – after all, you don’t plan to own this for long, so why opt for additional coverage?

Hard Money Loan or Equity...Which is Best?

This post covers factors to consider when deciding between equity or debt structure for your business model.

A First-Time Flipper's Guide to Getting your First Deal Funded

Let’s break down how to get funding to flip a house, so as a first-timer you can get past the hardest hurdle in this business — completing deal #1.

Assembling Your House Flipping Team

Successful real estate investors rarely do it alone. Putting together a team of experts will lead you to investing success.

Starting a Real Estate Investment LLC for your Business

If you’re in the residential real estate investment business, and have worked with a hard money lender or used other private investor money, the lender is likely to require you to set up an LLC.

What Does Pre-funding a Loan Mean for Your Real Estate Investment

Upright pre-funds each rehab loan that is available for investment on our Platform. This means that our loans for flipping houses have already been fully funded by us with a first-position mortgage by the time you see it online.

How to Use Single-Purpose Entities to Limit Investment Risk

For many investors, having a single-purpose entity is the starting point for securing lending on their real estate transactions. This type of entity is set in place to protect the real estate investor, capital partner, and the asset.
Upright Loans
Frequently Asked Questions
What is a rehab loan?

A rehab loan is a type of short-term hard money or bridge loan used to purchase and repair or improve a real estate property. Rehab loans are often used in fix-and-flip and fix-to-rent projects.

How do fix and flip loans work?

In a fix-and-flip project, the rehab loan is used to purchase a distressed property, as well as pay for the supplies and labor related to repairing and improving it. The loan term is typically short, as the profits from one rehab will generally be used to purchase the next deal.Rehab loans can be exited by selling the property, renting the property and refinancing out of the short-term Upright loan into a longer-term rental loan, and other options to meet your portfolio and investment goals.

What do fix and flip loans cover?

Rehab loans cover a portion of the purchase price, as well as the supplies, labor, etc. to repair and improve the property.They do not cover owner-occupied investment properties, nor do we offer loans for long-term rentals at this time.

Can I finance the construction costs?

Yes. We have the capability to fund up to 100% of construction costs. Similar to other funding mechanisms, after closing we'll hold a portion of the construction funds in escrow and release them as project milestones are met, subject to inspection.

Can I finance out of a hard money loan?

Yes. Many borrowers refinance out of the Upright loan, or rent the property and refinance out into a long-term loan.