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 focus on all three to help you succeed.

Why Invest with Upright?
Types of Hard Money Loans We Provide
Looking to scale your real estate investing business? Partnering with Upright ensures you have the financing and local support your need to take your business to the next level.
Loan Type
Rehab Loan
Types of Projects
  • Single-Family Home
  • 2-4 Family Properties
  • 5+ Multi-Family
  •  Townhouses
  • Condos
Loan Information
  • Loan Amount $50K+
  • Max Term Up to 15 Months
  • Loan to Cost (LTC) Up to 90%
Exit Strategy
  • Sell
  • Rent + Sell
  • Rent + Refi Out
Loan Type
New Construction
Types of Projects
  • Single-Family Home
  • 2-4 Family Properties
  • 5+ Multi-Family
  •  Townhouses
  • Condos
Loan Information
  • Loan Amount $100K+
  • Max Term Up to 15 Months
  • Loan to Cost (LTC) Up to 85%
Exit Strategy
  • Sell
  • Rent + Sell
  • Rent + Refi Out
Loan Type
Portfolio Loan
Types of Projects
  • Single-Family Home
  • 2-4 Family Properties
  • 5+ Multi-Family
  •  Townhouses
  • Condos
Loan Information
  • Loan Amount $100K+
  • Max Term Up to 15 Months
  • Loan to Cost (LTC) Up to 85%
Exit Strategy
  • Sell
  • Rent + Sell
  • Rent + Refi Out
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.
Where we currently lend
a proven track record

Funding Projects Like These

Palm Coast, FL
This fix-and-flip project with 5 bedrooms in Palm Coast, FL, was funded with a short-term residential rehab loan by private money lender Upright.
Offering
$2,040,000
ARV
70.30%
Term
12m
Windham, NH
This fix-and-flip project with 3 bedrooms in Windham, NH, was funded with a short-term residential rehab loan by private money lender Upright.
Offering
$420,000
ARV
66.80%
Term
7m
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

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.

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.